{"txn_id":"BB-UW-0050","assessment_id":"ra_b2489f9d3c6642d8","occurred_at":"2026-10-23T12:57:43+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_3661b25908"},"output":{"decision":"approve","score":0.101,"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 2026-10-23, 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. A human reviewed the output by a underwriter. The outcome was not adverse to the consumer. RegBench applied 10 rule(s) in force on 2026-10-23 and recorded no findings.","findings":[],"point_in_time":{"as_of":"2026-10-23","rules_version":"2026.10+dbe5ddf6","corpus_snapshot":"2026-10-30-5f07c521","engine_version":"regbench-engine/0.4.0","model_version":"deterministic-1"},"evaluated_at":"2026-10-30T11:23:22.644887+00:00","fingerprint":"3c692f7db89d3931f261a3d9"},"review":null,"ledger":{"seq":50,"hash":"b37f14ca62223a385d4a8f06d9069e46cb56db1fcb2f1a7339bd5de461b7b244","prev_hash":"fd55d10e820431438117056d3ecf300a50d405ca9ec6e11c94f142284305895b","recorded_at":"2026-10-23T12:58:51+00:00"}}