{"txn_id":"BB-UW-0049","assessment_id":"ra_761b234c3939483d","occurred_at":"2026-10-18T01:08:02+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_5254eb1e9f"},"output":{"decision":"decline","score":0.813,"reason_codes":["R12","R31"],"premium_delta_pct":null},"human_involvement":{"reviewed":true,"reviewer_role":"underwriter","overridden":false},"adverse_action":{"is_adverse":true,"notice_sent_at":"2026-10-20T01:08:02+00:00","reasons_provided":true,"specific_reasons":false,"ecdis_disclosed":false,"appeal_channel":null},"carrier_note":null,"assessment":{"disposition":"HOLD","summary":"HOLD: 2 finding(s) under rules 2026.10+dbe5ddf6, corpus 2026-10-30-5f07c521. Held for the carrier's compliance review before the outcome is communicated; the carrier decides.","narrative":"On 2026-10-18, uw-triage v2.4 (an internally developed system) produced 'decline' 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 adverse to the consumer; a notice was sent on 2026-10-20 with reasons stated. RegBench applied 11 rule(s) in force on 2026-10-18 and recorded 2 finding(s); the most serious is 'Credit-based adverse effect without the § 559.054 notice of reasons' (high, L2).","findings":[{"rule_id":"tx.559.credit-adverse-effect-notice","layer":"L2","judgment_basis":"black_letter","advisory":false,"severity":"high","title":"Credit-based adverse effect without the § 559.054 notice of reasons","required_action":"Hold until a notice stating the primary credit factors is generated and recorded within the 30-day window.","exhibits":["C"],"citations":[{"provision_id":"tx-ins-559-054","label":"Tex. Ins. Code § 559.054 — notice of action resulting in adverse effect (credit report)","source_url":"https://statutes.capitol.texas.gov/?tab=1&code=IN&chapter=IN.559","verified":true},{"provision_id":"tx-ins-559-001","label":"Tex. Ins. Code § 559.001(1) — 'adverse effect' (credit information in personal lines)","source_url":"https://statutes.capitol.texas.gov/?tab=1&code=IN&chapter=IN.559","verified":true}]},{"rule_id":"doctrine.zip-credit-interaction-proxy","layer":"L6","judgment_basis":"doctrine","advisory":true,"severity":"medium","title":"Geography and credit used together in an adverse decision (proxy pattern to test at portfolio level)","required_action":"Confirm the system's portfolio outcome testing covers the geography-credit interaction; link the result.","exhibits":["C"],"citations":[{"provision_id":"naic-ai-bulletin-s3-1-ais-program","label":"NAIC Model Bulletin on the Use of AI Systems by Insurers (adopted 4 Dec 2023), Section 3, 1.0 General Guidelines — the written AIS Program","source_url":"https://content.naic.org/sites/default/files/inline-files/2023-12-4%20Model%20Bulletin_Adopted_0.pdf","verified":true}]}],"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":"2026-10-30T11:23:22.643138+00:00","fingerprint":"fd9ff826ef704765a3a3346a"},"review":{"status":"resolved","outcome":"remediated","hours_to_resolve":4.5,"reviewer_role":"underwriter","resolved_at":"2026-10-18T05:40:48.912606+00:00"},"ledger":{"seq":49,"hash":"fd55d10e820431438117056d3ecf300a50d405ca9ec6e11c94f142284305895b","prev_hash":"260aa859521fc49eddcfcb70a85518622bc5d300058c0e85b76980081c667f6e","recorded_at":"2026-10-18T01:10:04+00:00"}}