{"txn_id":"BB-SVC-0555","assessment_id":"ra_1c79445299a84824","occurred_at":"2026-10-27T14:32:49+00:00","state":"TX","line_of_business":"auto","stage":"marketing","program_area":"Marketing","ai_system":{"system_id":"agent-assist","model_version":"1.2","vendor":"internal","vendor_name":null,"high_risk_class":"none"},"inputs":{"feature_classes":["application_data"],"protected_factors_used":[],"ecdis_present":false,"consumer_report_used":false,"credit_used":false,"data_source_refs":[],"consumer_token":"tok_e55ee6d6b9"},"output":{"decision":"approve","score":null,"reason_codes":[],"premium_delta_pct":null},"human_involvement":{"reviewed":true,"reviewer_role":"service_agent","overridden":false},"adverse_action":{"is_adverse":false,"notice_sent_at":null,"reasons_provided":false,"specific_reasons":false,"ecdis_disclosed":false,"appeal_channel":null},"carrier_note":null,"assessment":{"disposition":"PASS","summary":"PASS: 0 finding(s) under rules 2026.10+dbe5ddf6, corpus 2026-10-30-5f07c521. No regulatory finding; the case file is recorded.","narrative":"On 2026-10-27, agent-assist v1.2 (an internally developed system) produced 'approve' in a TX auto marketing transaction. Inputs included application data. A human reviewed the output by a service agent. The outcome was not adverse to the consumer. RegBench applied 3 rule(s) in force on 2026-10-27 and recorded no findings.","findings":[],"point_in_time":{"as_of":"2026-10-27","rules_version":"2026.10+dbe5ddf6","corpus_snapshot":"2026-10-30-5f07c521","engine_version":"regbench-engine/0.4.0","model_version":"deterministic-1"},"evaluated_at":"2026-10-30T11:23:23.949725+00:00","fingerprint":"207357bac689a22f5c6c80e9"},"review":null,"ledger":{"seq":555,"hash":"759766692646d0d7a09c72761a6d3ec1a1e4b7bef707d624134560cae040f46f","prev_hash":"6013d80f7a9614a2f697fd4dc33adb84ecad7ec7f89aaaef05b8a0894e6a848b","recorded_at":"2026-10-27T14:33:49+00:00"}}