{"txn_id":"SR-ACC-0802","assessment_id":"ra_b1804a910e304d9f","occurred_at":"2026-10-21T15:15:55+00:00","state":"NY","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_5d0ca322c1"},"output":{"decision":"approve","score":0.24,"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 2026-10-21, uw-accelerate v4.0 (an internally developed system) produced 'approve' in a NY 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 11 rule(s) in force on 2026-10-21 and recorded no findings.","findings":[],"point_in_time":{"as_of":"2026-10-21","rules_version":"2026.10+dbe5ddf6","corpus_snapshot":"2026-10-30-5f07c521","engine_version":"regbench-engine/0.4.0","model_version":"deterministic-1"},"evaluated_at":"2026-10-30T11:23:24.639934+00:00","fingerprint":"f8769ac9c283286aa2a97927"},"review":null,"ledger":{"seq":802,"hash":"5e7466066996a3a552023743f01466203dc473f0e48197bbfe49341eedc2be41","prev_hash":"6ff9ee93d0f078ced0c60cb5dd66ce6420534bd05c16b8db1ca2a1a2384439e9","recorded_at":"2026-10-21T15:17:24+00:00"}}