{"txn_id":"SR-ACC-0848","assessment_id":"ra_60adfe971fe34b8a","occurred_at":"2026-09-30T15:45:16+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_74ac7204d7"},"output":{"decision":"approve","score":0.203,"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":"92436b06ca1aa9f2f0eebbfe0ce50e4fbca93a9b4ffd6aa7d2a6bf885fc77484","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 2026-09-30, 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 2026-09-30 and recorded no findings.","findings":[],"point_in_time":{"as_of":"2026-09-30","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":"2026-10-31T05:42:55.305851+00:00","fingerprint":"fbb081a9354959de23d46bc8"},"review":null,"ledger":{"seq":6351,"hash":"ac1495924df47da19145295698d65c74ee65120fe0de72017ef4a7614dfc6f3d","prev_hash":"edb34d13cb24e6b5762b87cc9a3639dcd10a9b59f42572d55f8c6b898b245a8c","recorded_at":"2026-09-30T15:47:51+00:00"}}