{"txn_id":"SR-ACC-0821","assessment_id":"ra_e7cffbb67071492b","occurred_at":"2026-10-24T10:04:45+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_7e6b984b0d"},"output":{"decision":"approve","score":0.177,"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 2026-10-24, 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 2026-10-24 and recorded no findings.","findings":[],"point_in_time":{"as_of":"2026-10-24","rules_version":"2026.10+dbe5ddf6","corpus_snapshot":"2026-10-30-5f07c521","engine_version":"regbench-engine/0.4.0","model_version":"deterministic-1"},"evaluated_at":"2026-10-30T11:23:24.686862+00:00","fingerprint":"7a5a211315d1778ab14b7476"},"review":null,"ledger":{"seq":821,"hash":"386fccb77f1f021136197fcd033679a51a8e7ffbb57b293baea952e1f16524bd","prev_hash":"2fa70179c927a131dc360833803958cd527fbe0cca221824ef4612629ffe3777","recorded_at":"2026-10-24T10:08:19+00:00"}}