{"txn_id":"SR-ACC-0795","assessment_id":"ra_b727e37cf14c4e73","occurred_at":"2026-09-07T23:35:20+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_4e614e8685"},"output":{"decision":"decline","score":0.917,"reason_codes":[],"premium_delta_pct":null},"human_involvement":{"reviewed":true,"reviewer_role":"underwriter","overridden":false},"adverse_action":{"is_adverse":true,"notice_sent_at":"2026-09-12T23:35:20+00:00","reasons_provided":true,"specific_reasons":true,"ecdis_disclosed":false,"appeal_channel":null},"carrier_note":null,"input":{"revision":1,"current_revision":1,"input_digest":"7f30bcf86081ef4d78ed7fa458ef89bc3d4f1e96e7045bfc4983cb90eb053715","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 2026-09-07, uw-accelerate v4.0 (an internally developed system) produced 'decline' in a CO life underwriting transaction. Inputs included application data, medical records. A human reviewed the output by a underwriter. The outcome was adverse to the consumer; a notice was sent on 2026-09-12 with specific reasons. RegBench applied 10 rule(s) in force on 2026-09-07 and recorded no findings.","findings":[],"point_in_time":{"as_of":"2026-09-07","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":"2026-10-31T05:42:55.149739+00:00","fingerprint":"37e23a38514d1e860deac77d"},"review":null,"ledger":{"seq":6298,"hash":"2dd35e3f9392cb7787a8569d5956893d909d12d5128775d255676aa3731a830d","prev_hash":"1f8793c6a1b276539a58fbe2cad04dd0d438e40aa6416c76247229f66bbf88b1","recorded_at":"2026-09-07T23:38:28+00:00"}}