{"txn_id":"SR-ACC-0821","assessment_id":"ra_4e76c3951c7c4241","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,"input":{"revision":1,"current_revision":1,"input_digest":"625a42ea1d77677bb05e3227766b6f82e3e9daa30ca8ee2e9a5154188aa79a4c","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":5,"general_rules_applied":2,"advisory_rules_applied":4,"rules_considered":30,"rules_applied":["doctrine.ny.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","ny.cl7.disparate-impact-assessment","ny.cl7.governance-oversight","ny.cl7.inventory-documentation","ny.cl7.third-party-accountability","ny.cl7.adverse-decision-transparency","precedent.ai-flagged-cancellation-without-notice"],"statement":"5 state-specific and 2 general black-letter rule(s) applied to this NY 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 2026-10-24, 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","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":"2026-10-31T05:42:55.233652+00:00","fingerprint":"25dae04cb692767aec63cd22"},"review":null,"ledger":{"seq":6324,"hash":"4ee94c87b47d3bae3a5256c13e6571fc80c5b5a48fd7125bff0514b7aa014d4e","prev_hash":"b3169efe2c5374c527e4856bc39adb7354047f87ab83e2251ab7b9557e644f73","recorded_at":"2026-10-24T10:08:19+00:00"}}