{"txn_id":"SR-ACC-0832","assessment_id":"ra_63ddef2c62004f88","occurred_at":"2026-09-09T12:02:26+00:00","state":"CT","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_abc13cf832"},"output":{"decision":"approve","score":0.222,"reason_codes":[],"premium_delta_pct":null},"human_involvement":{"reviewed":false,"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":"8286a826606464e2f07545a010cee5dd882f71b252118420c12a3d495eafeabf","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":3,"general_rules_applied":2,"advisory_rules_applied":3,"rules_considered":30,"rules_applied":["doctrine.unreviewed-adverse-high-risk","doctrine.zip-credit-interaction-proxy","us.fcra.adverse-action-notice","us.fcra.permissible-purpose-undocumented","naic.ais-program.third-party-diligence","naic.ais-program.documentation","naic.adverse-outcome-testing","precedent.ai-flagged-cancellation-without-notice"],"statement":"3 state-specific and 2 general black-letter rule(s) applied to this CT 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 2026-09-09, uw-accelerate v4.0 (an internally developed system) produced 'approve' in a CT life underwriting transaction. Inputs included application data, medical records. No human reviewed the output before it took effect. The outcome was not adverse to the consumer. RegBench applied 8 rule(s) in force on 2026-09-09 and recorded no findings.","findings":[],"point_in_time":{"as_of":"2026-09-09","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":"2026-10-31T05:42:55.263812+00:00","fingerprint":"8a9a099424a8e929b76f0eab"},"review":null,"ledger":{"seq":6335,"hash":"1745476d71764054c1dc681ed28bddca56e63903b308509a6aab1753ef1cb139","prev_hash":"2b4d6eb53ba721661a253ed30632aed26b048d5004d9ac54ba7909684cfc763d","recorded_at":"2026-09-09T12:03:31+00:00"}}