{"txn_id":"SR-ACC-0810","assessment_id":"ra_523aa5f70be54eb2","occurred_at":"2026-10-25T14:03:10+00:00","state":"TX","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_e64698ac63"},"output":{"decision":"approve","score":0.127,"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 TX 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":"2026-10-30T11:23:24.660353+00:00","fingerprint":"308eeca38804598c25333870"},"review":null,"ledger":{"seq":810,"hash":"ffa12aa8a9989159eeb37ab81ca95859429c038f5c32e8888f0ebf5d27313f79","prev_hash":"0b64bbd240daff3675ccc34fa47f23e138ea0892e91f8907eccd1853fa7b449c","recorded_at":"2026-10-25T14:05:18+00:00"}}