{"txn_id":"BB-UW-0053","assessment_id":"ra_0d34bc9a53cb4ce1","occurred_at":"2026-10-15T02:27:38+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_358445d1a4"},"output":{"decision":"approve","score":0.21,"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 2026-10-15, 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. A human reviewed the output by a underwriter. The outcome was not adverse to the consumer. RegBench applied 11 rule(s) in force on 2026-10-15 and recorded no findings.","findings":[],"point_in_time":{"as_of":"2026-10-15","rules_version":"2026.10+dbe5ddf6","corpus_snapshot":"2026-10-30-5f07c521","engine_version":"regbench-engine/0.4.0","model_version":"deterministic-1"},"evaluated_at":"2026-10-30T11:23:22.649678+00:00","fingerprint":"a3a301c7cabcca241d641f8c"},"review":null,"ledger":{"seq":53,"hash":"27c407513956bb9bd8c14393eb4a6592d191f2df1d5dca580c4eabadeb55e2c6","prev_hash":"b87b3d77cf9a11f79cb9d7b5796ac8db0d7f80d85af01922f8cb3da954f73106","recorded_at":"2026-10-15T02:29:17+00:00"}}