{"txn_id":"SR-ACC-0785","assessment_id":"ra_e15d5e2df1a3465c","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,"input":{"revision":1,"current_revision":1,"input_digest":"4283069eb1149b6b499a5ed8372dfbc6e11068d5c427172ac7b04a3f8c5d2995","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":"PASS","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 life 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"],"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."},"summary":"PASS: 0 finding(s) under rules 2026.10+c4982313, corpus 2026-10-30-9c5dad5a. No configured check fired; the case file is recorded. This is not a compliance conclusion.","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","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":"2026-10-31T05:42:55.122790+00:00","fingerprint":"4f5b0a9a2e244e5f01b45111"},"review":null,"ledger":{"seq":6288,"hash":"5cac1c14088bdfe2f6355c3a85d9804525af19d0537f2b51d8ca4a355c376cd5","prev_hash":"aed0fc7a6e364bf9d106505cf0f53a004b48e64dd1fb70e0a9757e8a56c59436","recorded_at":"2026-10-25T21:40:40+00:00"}}