{"txn_id":"SR-ACC-0840","assessment_id":"ra_6a1734b351414033","occurred_at":"2026-10-23T17:13:23+00:00","state":"TX","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_055451a0ab"},"output":{"decision":"approve","score":0.198,"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 2026-10-23, uw-accelerate v4.0 (an internally developed system) produced 'approve' in a TX 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 2026-10-23 and recorded no findings.","findings":[],"point_in_time":{"as_of":"2026-10-23","rules_version":"2026.10+dbe5ddf6","corpus_snapshot":"2026-10-30-5f07c521","engine_version":"regbench-engine/0.4.0","model_version":"deterministic-1"},"evaluated_at":"2026-10-30T11:23:24.724209+00:00","fingerprint":"69bfdc5a3b391bd6f38adebf"},"review":null,"ledger":{"seq":840,"hash":"2485ef79d775b378617004b6746a143efd9eae4cbd15d23f2bad94a518e6179a","prev_hash":"56044469be62bb37c60b974177750d8719fdb0ab7ec233404b7a9dc84e5c7780","recorded_at":"2026-10-23T17:16:51+00:00"}}