{"txn_id":"BB-UW-0035","assessment_id":"ra_28b17a10d77e48c6","occurred_at":"2026-10-14T01:56:30+00:00","state":"TX","line_of_business":"auto","stage":"underwriting","program_area":"Underwriting/Eligibility","ai_system":{"system_id":"uw-triage","model_version":"2.4","vendor":"internal","vendor_name":null,"high_risk_class":"underwriting"},"inputs":{"feature_classes":["application_data","claims_history","consumer_report","credit","geography"],"protected_factors_used":[],"ecdis_present":false,"consumer_report_used":true,"credit_used":true,"data_source_refs":["cra://demo-bureau/report"],"consumer_token":"tok_6a7a957971"},"output":{"decision":"refer","score":0.598,"reason_codes":[],"premium_delta_pct":null},"human_involvement":{"reviewed":true,"reviewer_role":"underwriter","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 2026-10-14, uw-triage v2.4 (an internally developed system) produced 'refer' in a TX auto underwriting transaction. Inputs included application data, claims history, consumer report, credit, geography. A consumer report was used. A human reviewed the output by a underwriter. The outcome was not adverse to the consumer. RegBench applied 11 rule(s) in force on 2026-10-14 and recorded no findings.","findings":[],"point_in_time":{"as_of":"2026-10-14","rules_version":"2026.10+dbe5ddf6","corpus_snapshot":"2026-10-30-5f07c521","engine_version":"regbench-engine/0.4.0","model_version":"deterministic-1"},"evaluated_at":"2026-10-30T11:23:22.610485+00:00","fingerprint":"f21ba2f8baea3b893307bb78"},"review":null,"ledger":{"seq":35,"hash":"b0f71cf264db7639805e08e5a73446a0dbeb75f35bee947461dfc81822717ab2","prev_hash":"0d3c86899cc2fb5224745959e5d7faaf5f1cb19d7430d40a89dd7293fb9c25e2","recorded_at":"2026-10-14T01:58:40+00:00"}}