{"txn_id":"BB-UW-0049","assessment_id":"ra_fe232870e60c436e","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,"input":{"revision":1,"current_revision":1,"input_digest":"004f9dc6c311c5acaf4d82d3b1ec1fff4c41812875f4f276e82f6cba8e9ddd6c","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":"HOLD","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":"HOLD: 2 finding(s) under rules 2026.10+c4982313, corpus 2026-10-30-9c5dad5a. Recommended hold 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"],"content_status":"verified","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"],"content_status":"verified","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","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":"2026-10-31T05:42:52.644176+00:00","fingerprint":"c6ed4c488dfbb938f11df7bc"},"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":5552,"hash":"f5da80e2bd24d1b0b840e28d41d3c940d71c9d23e5fcc27815676d7a687f8707","prev_hash":"c244c6ae98bab0222534ce6784c556674197b9d1edae3969991a846fb28c91b4","recorded_at":"2026-10-18T01:10:04+00:00"}}