{"txn_id":"BB-SVC-0567","assessment_id":"ra_91e1fd4a8b7a4d4b","occurred_at":"2026-10-18T05:18:16+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_1f23a504ea"},"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 2026-10-18, 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 2026-10-18 and recorded no findings.","findings":[],"point_in_time":{"as_of":"2026-10-18","rules_version":"2026.10+dbe5ddf6","corpus_snapshot":"2026-10-30-5f07c521","engine_version":"regbench-engine/0.4.0","model_version":"deterministic-1"},"evaluated_at":"2026-10-30T11:23:23.978751+00:00","fingerprint":"4067bc2a3f36422fe2885759"},"review":null,"ledger":{"seq":567,"hash":"ec934bc9725202b6c1cb3bc9fceb968b00660f2f33adeca0732a6879ca85bb11","prev_hash":"e31dcabc97847b5f793a9ab3182a07bb0899c9b67ce48cec75522a40fa4959b6","recorded_at":"2026-10-18T05:20:05+00:00"}}