{"txn_id":"BB-UW-0070","assessment_id":"ra_4cfc7e68223948d2","occurred_at":"2026-10-13T01:17:46+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_defdeac4b1"},"output":{"decision":"decline","score":0.897,"reason_codes":["R12","R31"],"premium_delta_pct":null},"human_involvement":{"reviewed":false,"reviewer_role":"underwriter","overridden":false},"adverse_action":{"is_adverse":true,"notice_sent_at":"2026-10-17T01:17:46+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":"d769301738eeb9f1da2823594efac67be0f5c5ac73c80231556375439d2e1f7c","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: 4 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 2026-10-13, 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. No human reviewed the output before it took effect. The outcome was adverse to the consumer; a notice was sent on 2026-10-17 with reasons stated. RegBench applied 11 rule(s) in force on 2026-10-13 and recorded 4 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":"tx.tdi.consequential-decision-without-human-review","layer":"L4","judgment_basis":"guidance","advisory":false,"severity":"high","title":"Consequential AI-supported decision taken without a person reviewing and agreeing","required_action":"Route to the responsible reviewer before the outcome takes effect; record the reviewer on the transaction.","exhibits":["B","C"],"content_status":"verified","citations":[{"provision_id":"tx-tdi-b-0003-26-human-review","label":"TDI Commissioner's Bulletin B-0003-26 (12 June 2026), Use of Artificial Intelligence — human review of consequential decisions","source_url":"https://www.tdi.texas.gov/bulletins/2026/b-0003-26.html","verified":true},{"provision_id":"tx-tdi-b-0003-26-governance","label":"TDI Commissioner's Bulletin B-0003-26 (12 June 2026) — governance, procedures on request, and monitoring","source_url":"https://www.tdi.texas.gov/bulletins/2026/b-0003-26.html","verified":true}]},{"rule_id":"doctrine.unreviewed-adverse-high-risk","layer":"L6","judgment_basis":"doctrine","advisory":true,"severity":"medium","title":"Adverse outcome from a high-risk AI system with no human review","required_action":"Route to the carrier's reviewer; record the review and any override on the transaction.","exhibits":["B","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}]},{"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":"2026-10-13","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":"2026-10-31T05:42:52.714297+00:00","fingerprint":"eb4284862dbe9755434e2cc3"},"review":{"status":"resolved","outcome":"remediated","hours_to_resolve":3.9,"reviewer_role":"underwriter","resolved_at":"2026-10-13T05:11:22.473680+00:00"},"ledger":{"seq":5573,"hash":"6d1ac5049004c764cf89dc7d892a65423a7be5ab3079235f3bfaf5c05db70238","prev_hash":"a83cf22a069b7eb3c53741b096503ef508d23ed20a61bf3b74f7c386fb003e98","recorded_at":"2026-10-13T01:20:09+00:00"}}