{"txn_id":"BB-UW-0091","assessment_id":"ra_1a2d3d7079bb480a","occurred_at":"2026-10-23T19:28:22+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_a605611673"},"output":{"decision":"decline","score":0.964,"reason_codes":["R12","R31"],"premium_delta_pct":null},"human_involvement":{"reviewed":true,"reviewer_role":"underwriter","overridden":false},"adverse_action":{"is_adverse":true,"notice_sent_at":"2026-10-28T19:28:22+00:00","reasons_provided":true,"specific_reasons":true,"ecdis_disclosed":false,"appeal_channel":null},"carrier_note":null,"assessment":{"disposition":"FLAG","summary":"FLAG: 1 finding(s) under rules 2026.10+dbe5ddf6, corpus 2026-10-30-5f07c521. Routed to the carrier's compliance reviewer with cited findings.","narrative":"On 2026-10-23, 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. A human reviewed the output by a underwriter. The outcome was adverse to the consumer; a notice was sent on 2026-10-28 with specific reasons. RegBench applied 11 rule(s) in force on 2026-10-23 and recorded 1 finding(s); the most serious is 'Geography and credit used together in an adverse decision (proxy pattern to test at portfolio level)' (medium, L6).","findings":[{"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"],"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":"2026-10-23","rules_version":"2026.10+dbe5ddf6","corpus_snapshot":"2026-10-30-5f07c521","engine_version":"regbench-engine/0.4.0","model_version":"deterministic-1"},"evaluated_at":"2026-10-30T11:23:22.752156+00:00","fingerprint":"2e721a05917cbd7825c2af94"},"review":{"status":"resolved","outcome":"remediated","hours_to_resolve":58.8,"reviewer_role":"underwriter","resolved_at":"2026-10-26T06:19:12.868202+00:00"},"ledger":{"seq":91,"hash":"6bbecd1e12300ff8a89decfa92af2b1d4b823cb62874fed65bbff494003507bc","prev_hash":"2a2d9076d74636ee742243252f24775dbce40cf65d0808a885bf9210d1cc3639","recorded_at":"2026-10-23T19:31:42+00:00"}}