{"txn_id":"BB-UW-0036","assessment_id":"ra_9c5317776e464eef","occurred_at":"2026-10-08T19:37:52+00:00","state":"CO","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":true,"consumer_report_used":true,"credit_used":true,"data_source_refs":["cra://demo-bureau/report"],"consumer_token":"tok_43d1e29034"},"output":{"decision":"approve","score":0.073,"reason_codes":[],"premium_delta_pct":null},"human_involvement":{"reviewed":false,"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,"input":{"revision":1,"current_revision":1,"input_digest":"0e33dd6d2355d4bce0d7a52813f38bf92963524f0077e844172e161446183a39","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":4,"general_rules_applied":2,"advisory_rules_applied":4,"rules_considered":30,"rules_applied":["co.sb169.ecdis-adverse-untested","co.reg-10-1-1.governance-framework-amended","co.reg-10-1-1.vendor-ecdis-documentation","co.reg-10-1-1.monitoring-undocumented","doctrine.co.vendor-rx-score-is-ecdis","doctrine.unreviewed-adverse-high-risk","doctrine.zip-credit-interaction-proxy","us.fcra.adverse-action-notice","us.fcra.permissible-purpose-undocumented","precedent.ai-flagged-cancellation-without-notice"],"statement":"4 state-specific and 2 general black-letter rule(s) applied to this CO auto underwriting transaction. Only the configured checks were run; a result is not a legal opinion on compliance."},"evidence":{"status":"carrier_asserted","asserted":["ai_system.governance_attested","ai_system.model_doc_ref","ai_system.testing_report_ref","inputs.data_source_refs"],"missing":[],"statement":"Supplied by the carrier and not verified by RegBench: ai_system.governance_attested, ai_system.model_doc_ref, ai_system.testing_report_ref, inputs.data_source_refs."},"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 2026-10-08, uw-triage v2.4 (an internally developed system) produced 'approve' in a CO auto underwriting transaction. Inputs included application data, claims history, consumer report, credit, geography. External consumer data and information sources were present. A consumer report was used. No human reviewed the output before it took effect. The outcome was not adverse to the consumer. RegBench applied 10 rule(s) in force on 2026-10-08 and recorded no findings.","findings":[],"point_in_time":{"as_of":"2026-10-08","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":"2026-10-31T05:42:52.604927+00:00","fingerprint":"7e083210b0ee9f76d958a2cf"},"review":null,"ledger":{"seq":5539,"hash":"2198ae4349384388fcbdf326939adeae9803024e5b798b633e896667d6015167","prev_hash":"bd5acf602605569d472b06f15435c107b77b59828265c0501f5dbfcce14d0967","recorded_at":"2026-10-08T19:40:26+00:00"}}