{"txn_id":"BB-UW-0076","assessment_id":"ra_ed7f15dd1a3142c5","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,"input":{"revision":1,"current_revision":1,"input_digest":"a42ad2ab6701e12ed49d529397a5a630f349c0318f427c418404423355cfab4d","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":"PASS","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":"PASS: 0 finding(s) under rules 2026.10+c4982313, corpus 2026-10-30-9c5dad5a. No configured check fired; the case file is recorded. This is not a compliance conclusion.","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","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":"2026-10-31T05:42:52.731151+00:00","fingerprint":"4afe916b8784408190c13d71"},"review":null,"ledger":{"seq":5579,"hash":"5bfea861d9f0915f7d295e4b5cd4e49f6ed69e6076a2fd5d746002e2ff98c2cc","prev_hash":"e0287a739a6db1d9d0f5e05ea30512f74121a03d896e98164a22d72a82bb72d4","recorded_at":"2026-10-23T14:37:30+00:00"}}