{"txn_id":"BB-UW-0046","assessment_id":"ra_85611c9b52bc4e18","occurred_at":"2026-10-25T09:51:20+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":[],"consumer_token":"tok_3f9c2a2dc0"},"output":{"decision":"approve","score":0.4,"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":"5979c64c625255b2d5c1ae8b12b47ecb1cf8c3218edbcb7290a106902399ccdc","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":"FLAG","coverage":{"status":"supported","state_rules_applied":6,"general_rules_applied":2,"advisory_rules_applied":3,"rules_considered":30,"rules_applied":["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","tx.544.prohibited-basis","tx.544.protected-factor-without-actuarial-support","tx.559.credit-adverse-effect-notice","tx.tdi.consequential-decision-without-human-review","tx.tdi.third-party-data-source-unrecorded","tx.traiga.ai-discrimination-context"],"statement":"6 state-specific and 2 general black-letter rule(s) applied to this TX 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"],"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."},"summary":"FLAG: 2 finding(s) under rules 2026.10+c4982313, corpus 2026-10-30-9c5dad5a. Routed to the carrier's compliance reviewer with cited findings.","narrative":"On 2026-10-25, uw-triage v2.4 (an internally developed system) produced 'approve' in a TX auto underwriting transaction. Inputs included application data, claims history, consumer report, credit, geography. A consumer report was used. No human reviewed the output before it took effect. The outcome was not adverse to the consumer. RegBench applied 11 rule(s) in force on 2026-10-25 and recorded 2 finding(s); the most serious is 'Consumer report used with no data source reference recorded' (low, L0).","findings":[{"rule_id":"us.fcra.permissible-purpose-undocumented","layer":"L0","judgment_basis":"black_letter","advisory":false,"severity":"low","title":"Consumer report used with no data source reference recorded","required_action":"Record the consumer reporting agency and report reference on the transaction.","exhibits":["C","D"],"content_status":"verified","citations":[{"provision_id":"us-fcra-1681b-a-3-c","label":"15 U.S.C. § 1681b(a)(3)(C) — permissible purpose: underwriting of insurance","source_url":"https://www.law.cornell.edu/uscode/text/15/1681b","verified":true}]},{"rule_id":"tx.tdi.third-party-data-source-unrecorded","layer":"L4","judgment_basis":"guidance","advisory":false,"severity":"low","title":"Third-party data used with no source recorded","required_action":"Record the data source reference so the data can be traced and corrected.","exhibits":["D"],"content_status":"verified","citations":[{"provision_id":"tx-tdi-b-0036-20","label":"TDI Commissioner's Bulletin B-0036-20 (30 Sept 2020) — insurers' use of third-party data","source_url":"https://www.tdi.texas.gov/bulletins/2020/B-0036-20.html","verified":true}]}],"point_in_time":{"as_of":"2026-10-25","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":"2026-10-31T05:42:52.635306+00:00","fingerprint":"f297d01b72c018dea7c6b568"},"review":{"status":"resolved","outcome":"confirmed-no-change","hours_to_resolve":26.5,"reviewer_role":"underwriter","resolved_at":"2026-10-26T12:26:13.907982+00:00"},"ledger":{"seq":5549,"hash":"26d02792907a51ec7853b04efa67e76765b38d54dc921be3449149a57c346e1f","prev_hash":"bc05d31bc416ba484f6d910df4eef45ac6e67b2f546c2849bd1dd576ba35a67f","recorded_at":"2026-10-25T09:55:03+00:00"}}