{"txn_id":"BB-UW-0076","assessment_id":"ra_c412d14d76624ef5","occurred_at":"2026-10-23T14:34:15+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_110ab83474"},"output":{"decision":"approve","score":0.37,"reason_codes":[],"premium_delta_pct":null},"human_involvement":{"reviewed":false,"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 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 not adverse to the consumer. RegBench applied 11 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":"2026-10-30T11:23:22.699268+00:00","fingerprint":"b73d4759d80b89472129001e"},"review":null,"ledger":{"seq":76,"hash":"09018bc6253bd48f3ad088c53c374e760f7825586461fb0414ac7ebdc338feab","prev_hash":"d9e66d632853bfc5c62aa6fede7fe03538999d9fd75eaac686656a86a5238c44","recorded_at":"2026-10-23T14:37:30+00:00"}}