{"txn_id":"CT-LIFE-0075","assessment_id":"ra_b4ce72897f5b46ff","occurred_at":"2026-09-28T15:00:00+00:00","state":"CT","line_of_business":"life","stage":"underwriting","program_area":"Underwriting/Eligibility","ai_system":{"system_id":"rx-score","model_version":"3","vendor":"third_party","vendor_name":"RxData Labs (fictional)","high_risk_class":"underwriting"},"inputs":{"feature_classes":["rx_history","credit","consumer_report","application_data"],"protected_factors_used":[],"ecdis_present":false,"consumer_report_used":true,"credit_used":true,"data_source_refs":["vendor://rxdata/score","cra://demo-bureau/attributes"],"consumer_token":"tok_showcase_0075"},"output":{"decision":"decline","score":0.88,"reason_codes":["RX4"],"premium_delta_pct":null},"human_involvement":{"reviewed":true,"reviewer_role":"underwriter","overridden":false},"adverse_action":{"is_adverse":true,"notice_sent_at":"2026-09-30T15:00:00+00:00","reasons_provided":true,"specific_reasons":true,"ecdis_disclosed":false,"appeal_channel":null},"carrier_note":"Connecticut adopted the NAIC bulletin (MC-25, 26 February 2024), so the bulletin's third-party and testing expectations apply here and not in Texas.","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 2026-09-28, rx-score v3 (a third-party system from RxData Labs (fictional)) produced 'decline' in a CT life underwriting transaction. Inputs included rx history, credit, consumer report, application data. 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 2026-09-30 with specific reasons. RegBench applied 8 rule(s) in force on 2026-09-28 and recorded 3 finding(s); the most serious is 'Adverse high-risk decision from a system with no adverse-outcome testing on record' (medium, L1).","findings":[{"rule_id":"naic.adverse-outcome-testing","layer":"L1","judgment_basis":"guidance","advisory":false,"severity":"medium","title":"Adverse high-risk decision from a system with no adverse-outcome testing on record","required_action":"Attach the system's latest testing report reference (errors, bias, unfair discrimination, drift).","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},{"provision_id":"naic-ai-bulletin-s4-oversight","label":"NAIC Model Bulletin (2023), Section 4 — Regulatory Oversight and Examination Considerations","source_url":"https://content.naic.org/sites/default/files/inline-files/2023-12-4%20Model%20Bulletin_Adopted_0.pdf","verified":true}]},{"rule_id":"naic.ais-program.third-party-diligence","layer":"L1","judgment_basis":"guidance","advisory":false,"severity":"medium","title":"Third-party AI system without an attested due-diligence and contract record","required_action":"Attach the vendor due-diligence record and contract terms (audit rights, regulatory cooperation) to the system's inventory entry and attest governance coverage.","exhibits":["A","C"],"citations":[{"provision_id":"naic-ai-bulletin-s3-4-third-party","label":"NAIC Model Bulletin (2023), Section 3, 4.0 Third-Party AI Systems and Data","source_url":"https://content.naic.org/sites/default/files/inline-files/2023-12-4%20Model%20Bulletin_Adopted_0.pdf","verified":true},{"provision_id":"naic-ai-bulletin-s4-oversight","label":"NAIC Model Bulletin (2023), Section 4 — Regulatory Oversight and Examination Considerations","source_url":"https://content.naic.org/sites/default/files/inline-files/2023-12-4%20Model%20Bulletin_Adopted_0.pdf","verified":true}]},{"rule_id":"naic.ais-program.documentation","layer":"L1","judgment_basis":"guidance","advisory":false,"severity":"low","title":"High-risk AI system with no model documentation reference","required_action":"Link the system to its model documentation (purpose, inputs, validation, monitoring) in the inventory.","exhibits":["A","C"],"citations":[{"provision_id":"naic-ai-bulletin-s4-oversight","label":"NAIC Model Bulletin (2023), Section 4 — Regulatory Oversight and Examination Considerations","source_url":"https://content.naic.org/sites/default/files/inline-files/2023-12-4%20Model%20Bulletin_Adopted_0.pdf","verified":true},{"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":"2026-09-28","rules_version":"2026.10+dbe5ddf6","corpus_snapshot":"2026-10-30-5f07c521","engine_version":"regbench-engine/0.4.0","model_version":"deterministic-1"},"evaluated_at":"2026-10-30T11:23:25.367180+00:00","fingerprint":"aa837c9a1d9f4486ca3e5d8f"},"review":{"status":"resolved","outcome":"remediated","hours_to_resolve":15.3,"reviewer_role":"underwriter","resolved_at":"2026-09-29T06:21:34.973180+00:00"},"ledger":{"seq":1127,"hash":"d9d552a739aeffc7aeb6425c2e1890e510a5bac7d972f6728eb620f316bea466","prev_hash":"b855ee4cf874259c6fefb618c44edac7304fd83355b3296763aafb6d2db4ece3","recorded_at":"2026-09-28T15:00:40+00:00"}}