{"txn_id":"SR-ACC-0822","assessment_id":"ra_b39591c175774618","occurred_at":"2026-10-13T15:30:26+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_d35a588be3"},"output":{"decision":"approve","score":0.143,"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 2026-10-13, 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 2026-10-13 and recorded no findings.","findings":[],"point_in_time":{"as_of":"2026-10-13","rules_version":"2026.10+dbe5ddf6","corpus_snapshot":"2026-10-30-5f07c521","engine_version":"regbench-engine/0.4.0","model_version":"deterministic-1"},"evaluated_at":"2026-10-30T11:23:24.689659+00:00","fingerprint":"e9a26c684201cd9809ccb900"},"review":null,"ledger":{"seq":822,"hash":"b2e5e1de4c03d5a4bd5e57a034bd918a3b07eb072b9473d7c3d2e472b4f9ef12","prev_hash":"386fccb77f1f021136197fcd033679a51a8e7ffbb57b293baea952e1f16524bd","recorded_at":"2026-10-13T15:32:53+00:00"}}