{"txn_id":"BB-UW-0101","assessment_id":"ra_dc1729448f084020","occurred_at":"2026-10-12T20:41:15+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_d4e1bf119c"},"output":{"decision":"decline","score":0.933,"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":"2026-10-15T20:41:15+00:00","reasons_provided":true,"specific_reasons":true,"ecdis_disclosed":false,"appeal_channel":null},"carrier_note":null,"input":{"revision":1,"current_revision":1,"input_digest":"b49ca7c69cd56addf4fc598e50d50972aa1407e29869211f33d77c0948d57db4","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":"FLAG","coverage":{"status":"supported","state_rules_applied":4,"general_rules_applied":2,"advisory_rules_applied":4,"rules_considered":30,"rules_applied":["co.sb169.ecdis-adverse-untested","co.reg-10-1-1.governance-framework-amended","co.reg-10-1-1.vendor-ecdis-documentation","co.reg-10-1-1.monitoring-undocumented","doctrine.co.vendor-rx-score-is-ecdis","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"],"statement":"4 state-specific and 2 general black-letter rule(s) applied to this CO 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","inputs.data_source_refs"],"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, inputs.data_source_refs."},"summary":"FLAG: 1 finding(s) under rules 2026.10+c4982313, corpus 2026-10-30-9c5dad5a. Routed to the carrier's compliance reviewer with cited findings.","narrative":"On 2026-10-12, uw-triage v2.4 (an internally developed system) produced 'decline' 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. A human reviewed the output by a underwriter. The outcome was adverse to the consumer; a notice was sent on 2026-10-15 with specific reasons. RegBench applied 10 rule(s) in force on 2026-10-12 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"],"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":"2026-10-12","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":"2026-10-31T05:42:52.861497+00:00","fingerprint":"1a0976137305167ee6f391ed"},"review":{"status":"resolved","outcome":"remediated","hours_to_resolve":21.5,"reviewer_role":"underwriter","resolved_at":"2026-10-13T18:11:50.188949+00:00"},"ledger":{"seq":5604,"hash":"7bf5d339535e3a0b3bdee059dd0e2afc2011118c9a26f2d9d75a930d430938f0","prev_hash":"b20d13c1dd98a8231cdf6974ce6916f5b37163b076e1b66502e7fe0f1ff45b73","recorded_at":"2026-10-12T20:42:42+00:00"}}