{"txn_id":"BB-UW-0077","assessment_id":"ra_0708422ee1544166","occurred_at":"2026-10-14T00:13:49+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_27059f963d"},"output":{"decision":"approve","score":0.087,"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 2026-10-14, 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. No human reviewed the output before it took effect. The outcome was not adverse to the consumer. RegBench applied 10 rule(s) in force on 2026-10-14 and recorded no findings.","findings":[],"point_in_time":{"as_of":"2026-10-14","rules_version":"2026.10+dbe5ddf6","corpus_snapshot":"2026-10-30-5f07c521","engine_version":"regbench-engine/0.4.0","model_version":"deterministic-1"},"evaluated_at":"2026-10-30T11:23:22.700732+00:00","fingerprint":"dd32396189f45bbc4b2b51b1"},"review":null,"ledger":{"seq":77,"hash":"0f5090f4f191b7cef2a61574f4002d057e71a5ab106cce40c57a48c71846e945","prev_hash":"09018bc6253bd48f3ad088c53c374e760f7825586461fb0414ac7ebdc338feab","recorded_at":"2026-10-14T00:17:27+00:00"}}