{"txn_id":"SR-ACC-0814","assessment_id":"ra_9125c918c5d74807","occurred_at":"2026-10-15T04:48:20+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_6e71702a61"},"output":{"decision":"refer","score":0.466,"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 2026-10-15, uw-accelerate v4.0 (an internally developed system) produced 'refer' 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 2026-10-15 and recorded no findings.","findings":[],"point_in_time":{"as_of":"2026-10-15","rules_version":"2026.10+dbe5ddf6","corpus_snapshot":"2026-10-30-5f07c521","engine_version":"regbench-engine/0.4.0","model_version":"deterministic-1"},"evaluated_at":"2026-10-30T11:23:24.668610+00:00","fingerprint":"ce82d442e9e477074229e816"},"review":null,"ledger":{"seq":814,"hash":"9e777d91b7cb1dd418e932bbb8ded8fb8c8f5387d8d9265425aa8d59fe8b94bb","prev_hash":"8bf9e474700d4891b2228446d6de87828167a766f11590613878efb4e97b83ab","recorded_at":"2026-10-15T04:48:51+00:00"}}