{"txn_id":"BB-SVC-0571","assessment_id":"ra_9554f03b593a435d","occurred_at":"2026-09-16T02:10:08+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_2504e2b815"},"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,"input":{"revision":1,"current_revision":1,"input_digest":"52559114a1534dc20f4c808f9a7203ddcc232cdcaf7f3f70878da3dc497b4a9f","digest_ok":true,"note":"input_digest is SHA-256 over the canonical JSON of the transaction revision assessed; it is inside the assessment the ledger hashes."},"assessment":{"disposition":"PASS","coverage":{"status":"supported","state_rules_applied":2,"general_rules_applied":0,"advisory_rules_applied":1,"rules_considered":30,"rules_applied":["doctrine.unreviewed-adverse-high-risk","tx.tdi.consequential-decision-without-human-review","tx.traiga.ai-discrimination-context"],"statement":"2 state-specific and 0 general black-letter rule(s) applied to this TX auto marketing transaction. Only the configured checks were run; a result is not a legal opinion on compliance."},"evidence":{"status":"carrier_asserted","asserted":[],"missing":[],"statement":"No documentary evidence is expected for this fact pattern."},"summary":"PASS: 0 finding(s) under rules 2026.10+c4982313, corpus 2026-10-30-9c5dad5a. No configured check fired; the case file is recorded. This is not a compliance conclusion.","narrative":"On 2026-09-16, 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 2026-09-16 and recorded no findings.","findings":[],"point_in_time":{"as_of":"2026-09-16","basis":"transaction_date","rules_version":"2026.10+c4982313","corpus_snapshot":"2026-10-30-9c5dad5a","engine_version":"regbench-engine/0.5.0","model_version":"deterministic-1"},"evaluated_at":"2026-10-31T05:42:54.257203+00:00","fingerprint":"ff39b3e0e78b960241332935"},"review":null,"ledger":{"seq":6074,"hash":"81100d1817b76e767c141800576bbe07aace1af81849e80bb19ca3fe6ccd20ed","prev_hash":"b6b8a4f0e1d54d35092fb7e30f12b52eb9372bdcb231efc29f1038edcf2f6365","recorded_at":"2026-09-16T02:12:33+00:00"}}