{"txn_id":"NY-RATE-0231","assessment_id":"ra_1b2151e0a8fc4d73","occurred_at":"2026-10-02T15:00:00+00:00","state":"NY","line_of_business":"life","stage":"rating","program_area":"Ratemaking/Rate Classification/Schedule Rating/Premium Audits","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":true,"consumer_report_used":true,"credit_used":true,"data_source_refs":["vendor://rxdata/score","cra://demo-bureau/attributes"],"consumer_token":"tok_showcase_0231"},"output":{"decision":"rate","score":0.66,"reason_codes":["RX2"],"premium_delta_pct":18.0},"human_involvement":{"reviewed":true,"reviewer_role":"underwriter","overridden":false},"adverse_action":{"is_adverse":true,"notice_sent_at":"2026-10-04T15:00:00+00:00","reasons_provided":true,"specific_reasons":true,"ecdis_disclosed":false,"appeal_channel":"underwriting-review@summitrange.example"},"carrier_note":"Rated up 18% over standard; notice gave specific reasons but did not disclose that external data and an AI system were used.","input":{"revision":1,"current_revision":1,"input_digest":"21312075b9b34ea036fde68ffe9e3c13a0498875073730e8bab0a034c86ef54a","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":"HOLD","coverage":{"status":"supported","state_rules_applied":5,"general_rules_applied":2,"advisory_rules_applied":3,"rules_considered":30,"rules_applied":["doctrine.ny.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","ny.cl7.disparate-impact-assessment","ny.cl7.governance-oversight","ny.cl7.inventory-documentation","ny.cl7.third-party-accountability","ny.cl7.adverse-decision-transparency"],"statement":"5 state-specific and 2 general black-letter rule(s) applied to this NY life rating transaction. Only the configured checks were run; a result is not a legal opinion on compliance."},"evidence":{"status":"missing","asserted":["inputs.data_source_refs"],"missing":["ai_system.governance_attested","ai_system.model_doc_ref","ai_system.testing_report_ref"],"statement":"Missing evidence: ai_system.governance_attested, ai_system.model_doc_ref, ai_system.testing_report_ref. Supplied but unverified: inputs.data_source_refs."},"summary":"HOLD: 5 finding(s) under rules 2026.10+c4982313, corpus 2026-10-30-9c5dad5a. Recommended hold for the carrier's compliance review before the outcome is communicated; the carrier decides.","narrative":"On 2026-10-02, rx-score v3 (a third-party system from RxData Labs (fictional)) produced 'rate' in a NY life rating transaction. Inputs included rx history, credit, consumer report, application data. 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 2026-10-04 with specific reasons. RegBench applied 10 rule(s) in force on 2026-10-02 and recorded 5 finding(s); the most serious is 'Adverse underwriting or pricing decision without specific reasons or disclosure of external data and AI use' (high, L4).","findings":[{"rule_id":"ny.cl7.adverse-decision-transparency","layer":"L4","judgment_basis":"guidance","advisory":false,"severity":"high","title":"Adverse underwriting or pricing decision without specific reasons or disclosure of external data and AI use","required_action":"Hold until the notice states the specific reasons and sources and discloses the use of ECDIS or AIS.","exhibits":["C"],"content_status":"verified","citations":[{"provision_id":"ny-dfs-cl7-2024-IV","label":"NY DFS Insurance Circular Letter No. 7 (2024), § IV — transparency: disclosure and notice of adverse underwriting or pricing decisions","source_url":"https://www.dfs.ny.gov/industry-guidance/circular-letters/cl2024-07","verified":true}]},{"rule_id":"ny.cl7.disparate-impact-assessment","layer":"L4","judgment_basis":"guidance","advisory":false,"severity":"high","title":"Underwriting or pricing AI used without a documented disparate-impact assessment","required_action":"Attach the system's documented assessment reference; route to compliance review.","exhibits":["C"],"content_status":"verified","citations":[{"provision_id":"ny-dfs-cl7-2024-II-B","label":"NY DFS Insurance Circular Letter No. 7 (11 July 2024), § II.B — unfair and unlawful discrimination","source_url":"https://www.dfs.ny.gov/industry-guidance/circular-letters/cl2024-07","verified":true},{"provision_id":"ny-dfs-cl7-2024-II-C","label":"NY DFS Insurance Circular Letter No. 7 (2024), § II.C — analyzing for unfair or unlawful discrimination (testing before production and on a regular cadence)","source_url":"https://www.dfs.ny.gov/industry-guidance/circular-letters/cl2024-07","verified":true},{"provision_id":"ny-ins-2606","label":"N.Y. Insurance Law § 2606 — discrimination because of race, color, creed, national origin or disability","source_url":"https://www.nysenate.gov/legislation/laws/ISC/2606","verified":true},{"provision_id":"ny-ins-2303","label":"N.Y. Insurance Law § 2303 — rates shall not be excessive, inadequate or unfairly discriminatory","source_url":"https://www.nysenate.gov/legislation/laws/ISC/2303","verified":true}]},{"rule_id":"ny.cl7.governance-oversight","layer":"L4","judgment_basis":"guidance","advisory":false,"severity":"medium","title":"Underwriting or pricing AI outside an attested governance framework","required_action":"Attest the system's coverage under the governance framework and link the latest internal audit.","exhibits":["B"],"content_status":"verified","citations":[{"provision_id":"ny-dfs-cl7-2024-III-A","label":"NY DFS Insurance Circular Letter No. 7 (2024), § III.A — board and senior management oversight","source_url":"https://www.dfs.ny.gov/industry-guidance/circular-letters/cl2024-07","verified":true},{"provision_id":"ny-dfs-cl7-2024-III-B","label":"NY DFS Insurance Circular Letter No. 7 (2024), § III.B — policies, procedures and documentation (including the AIS inventory)","source_url":"https://www.dfs.ny.gov/industry-guidance/circular-letters/cl2024-07","verified":true}]},{"rule_id":"ny.cl7.third-party-accountability","layer":"L4","judgment_basis":"guidance","advisory":false,"severity":"medium","title":"Third-party ECDIS or AI vendor without documented standards and audit rights","required_action":"Record the vendor standards, audit rights and evaluation for the system.","exhibits":["A"],"content_status":"verified","citations":[{"provision_id":"ny-dfs-cl7-2024-III-D","label":"NY DFS Insurance Circular Letter No. 7 (2024), § III.D — third-party vendors","source_url":"https://www.dfs.ny.gov/industry-guidance/circular-letters/cl2024-07","verified":true},{"provision_id":"ny-dfs-cl7-2024-II-B","label":"NY DFS Insurance Circular Letter No. 7 (11 July 2024), § II.B — unfair and unlawful discrimination","source_url":"https://www.dfs.ny.gov/industry-guidance/circular-letters/cl2024-07","verified":true}]},{"rule_id":"ny.cl7.inventory-documentation","layer":"L4","judgment_basis":"guidance","advisory":false,"severity":"low","title":"Underwriting or pricing AI with no inventory documentation reference","required_action":"Link the system to its inventory documentation.","exhibits":["A","C"],"content_status":"verified","citations":[{"provision_id":"ny-dfs-cl7-2024-III-B","label":"NY DFS Insurance Circular Letter No. 7 (2024), § III.B — policies, procedures and documentation (including the AIS inventory)","source_url":"https://www.dfs.ny.gov/industry-guidance/circular-letters/cl2024-07","verified":true}]}],"point_in_time":{"as_of":"2026-10-02","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":"2026-10-31T05:42:56.121929+00:00","fingerprint":"4688e80510c4bf3a0e7cad2b"},"review":{"status":"resolved","outcome":"remediated","hours_to_resolve":6.7,"reviewer_role":"compliance","resolved_at":"2026-10-02T21:43:12.306048+00:00"},"ledger":{"seq":6627,"hash":"c955bbe3d0705a72649c16f6d1c258ec623a5956238ded75c2d132df354d5d9b","prev_hash":"01ae28c6dbed0c5fd1916a48fd71bdcb623c902facc3cc497810fa4bb0270133","recorded_at":"2026-10-02T15:02:51+00:00"}}