{"txn_id":"CO-AUTO-0144","assessment_id":"ra_43edcf2152f04f8e","occurred_at":"2026-10-09T15:00:00+00:00","state":"CO","line_of_business":"auto","stage":"renewal","program_area":"Ratemaking/Rate Classification/Schedule Rating/Premium Audits","ai_system":{"system_id":"price-opt","model_version":"7.2","vendor":"internal","vendor_name":null,"high_risk_class":"pricing"},"inputs":{"feature_classes":["telematics","credit","geography","vehicle"],"protected_factors_used":[],"ecdis_present":true,"consumer_report_used":false,"credit_used":true,"data_source_refs":["telematics://bluebonnet/program","cra://demo-bureau/score"],"consumer_token":"tok_showcase_0144"},"output":{"decision":"rate","score":0.72,"reason_codes":[],"premium_delta_pct":14.5},"human_involvement":{"reviewed":false,"reviewer_role":null,"overridden":false},"adverse_action":{"is_adverse":true,"notice_sent_at":"2026-10-11T15:00:00+00:00","reasons_provided":true,"specific_reasons":true,"ecdis_disclosed":true,"appeal_channel":null},"carrier_note":"Colorado auto renewal priced with telematics and credit-based score; the same transaction dated before 15 October 2025 falls outside Regulation 10-1-1's amended scope.","assessment":{"disposition":"FLAG","summary":"FLAG: 3 finding(s) under rules 2026.10+dbe5ddf6, corpus 2026-10-30-5f07c521. Routed to the carrier's compliance reviewer with cited findings.","narrative":"On 2026-10-09, price-opt v7.2 (an internally developed system) produced 'rate' in a CO auto renewal transaction. Inputs included telematics, credit, geography, vehicle. External consumer data and information sources were present. No human reviewed the output before it took effect. The outcome was adverse to the consumer; a notice was sent on 2026-10-11 with specific reasons. RegBench applied 10 rule(s) in force on 2026-10-09 and recorded 3 finding(s); the most serious is 'ECDIS used outside an attested governance and risk management framework (amended Regulation 10-1-1)' (medium, L3).","findings":[{"rule_id":"co.reg-10-1-1.governance-framework-amended","layer":"L3","judgment_basis":"black_letter","advisory":false,"severity":"medium","title":"ECDIS used outside an attested governance and risk management framework (amended Regulation 10-1-1)","required_action":"Add the system to the Regulation 10-1-1 inventory, attest framework coverage, and include it in the next annual report filed through SERFF.","exhibits":["A","B"],"citations":[{"provision_id":"co-reg-10-1-1-s5","label":"3 CCR 702-10, Regulation 10-1-1 (amended, effective 15 Oct 2025), § 5.A — governance and risk management framework (life, private passenger auto, health benefit plans)","source_url":"https://www.sos.state.co.us/CCR/GenerateRulePdf.do?ruleVersionId=12182","verified":true},{"provision_id":"co-reg-10-1-1-s6","label":"3 CCR 702-10, Regulation 10-1-1 (amended), § 6 — reporting requirements and officer attestation","source_url":"https://www.sos.state.co.us/CCR/GenerateRulePdf.do?ruleVersionId=12182","verified":true}]},{"rule_id":"doctrine.unreviewed-adverse-high-risk","layer":"L6","judgment_basis":"doctrine","advisory":true,"severity":"medium","title":"Adverse outcome from a high-risk AI system with no human review","required_action":"Route to the carrier's reviewer; record the review and any override on the transaction.","exhibits":["B","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}]},{"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":"2026-10-09","rules_version":"2026.10+dbe5ddf6","corpus_snapshot":"2026-10-30-5f07c521","engine_version":"regbench-engine/0.4.0","model_version":"deterministic-1"},"evaluated_at":"2026-10-30T11:23:25.363251+00:00","fingerprint":"9b1dd85f202155207e64dfc2"},"review":{"status":"resolved","outcome":"confirmed-no-change","hours_to_resolve":6.8,"reviewer_role":"compliance","resolved_at":"2026-10-09T21:52:57.224387+00:00"},"ledger":{"seq":1125,"hash":"852d7d9347da922a27f5afce10ff456ee67fe02425498f4426a8456d1b223d44","prev_hash":"dba2ecd14e3ab92057b32340d5c7a1dcb8a74ac3c1f828915a3a2db979d42971","recorded_at":"2026-10-09T15:02:01+00:00"}}