{"txn_id":"SR-ACC-0785","assessment_id":"ra_587107188fa94423","occurred_at":"2026-10-25T21:37:20+00:00","state":"CO","line_of_business":"life","stage":"underwriting","program_area":"Underwriting/Eligibility","ai_system":{"system_id":"uw-accelerate","model_version":"4.0","vendor":"internal","vendor_name":null,"high_risk_class":"underwriting"},"inputs":{"feature_classes":["application_data","medical_records"],"protected_factors_used":[],"ecdis_present":false,"consumer_report_used":false,"credit_used":false,"data_source_refs":["aps://summitrange/physician-statements"],"consumer_token":"tok_b582c9d98d"},"output":{"decision":"approve","score":0.091,"reason_codes":[],"premium_delta_pct":null},"human_involvement":{"reviewed":true,"reviewer_role":"underwriter","overridden":false},"adverse_action":{"is_adverse":false,"notice_sent_at":null,"reasons_provided":false,"specific_reasons":false,"ecdis_disclosed":false,"appeal_channel":null},"carrier_note":null,"assessment":{"disposition":"PASS","summary":"PASS: 0 finding(s) under rules 2026.10+dbe5ddf6, corpus 2026-10-30-5f07c521. No regulatory finding; the case file is recorded.","narrative":"On 2026-10-25, uw-accelerate v4.0 (an internally developed system) produced 'approve' in a CO life underwriting transaction. Inputs included application data, medical records. A human reviewed the output by a underwriter. The outcome was not adverse to the consumer. RegBench applied 10 rule(s) in force on 2026-10-25 and recorded no findings.","findings":[],"point_in_time":{"as_of":"2026-10-25","rules_version":"2026.10+dbe5ddf6","corpus_snapshot":"2026-10-30-5f07c521","engine_version":"regbench-engine/0.4.0","model_version":"deterministic-1"},"evaluated_at":"2026-10-30T11:23:24.581954+00:00","fingerprint":"585f29bc7275c4b0e9cf80c6"},"review":null,"ledger":{"seq":785,"hash":"83c8444cf6a663e8ed94b5e17831cb28988301e3f199c4202e793410de5f6239","prev_hash":"1a37a76ad0d420f1d0e4a60ad0f5e9251622bbf3e0ef8b81891f69d3fb8ed721","recorded_at":"2026-10-25T21:40:40+00:00"}}