{"txn_id":"SR-ACC-0851","assessment_id":"ra_f9429b0dbe2b4fb6","occurred_at":"2026-09-28T22:06:24+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_52fefb33d4"},"output":{"decision":"decline","score":0.772,"reason_codes":[],"premium_delta_pct":null},"human_involvement":{"reviewed":true,"reviewer_role":"underwriter","overridden":false},"adverse_action":{"is_adverse":true,"notice_sent_at":"2026-10-02T22:06:24+00:00","reasons_provided":true,"specific_reasons":true,"ecdis_disclosed":false,"appeal_channel":null},"carrier_note":null,"input":{"revision":1,"current_revision":1,"input_digest":"baca3598e98494f13eb2b9fca97f9284aa022a1c7c2ab25416f0f06de1f91210","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":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","precedent.ai-flagged-cancellation-without-notice","tx.544.prohibited-basis","tx.544.protected-factor-without-actuarial-support","tx.tdi.consequential-decision-without-human-review","tx.tdi.third-party-data-source-unrecorded","tx.traiga.ai-discrimination-context"],"statement":"5 state-specific and 2 general black-letter rule(s) applied to this TX 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 2026-09-28, uw-accelerate v4.0 (an internally developed system) produced 'decline' in a TX life underwriting transaction. Inputs included application data, medical records. A human reviewed the output by a underwriter. The outcome was adverse to the consumer; a notice was sent on 2026-10-02 with specific reasons. RegBench applied 10 rule(s) in force on 2026-09-28 and recorded no findings.","findings":[],"point_in_time":{"as_of":"2026-09-28","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":"2026-10-31T05:42:55.313430+00:00","fingerprint":"bb79799f067ca0a3c9c3391b"},"review":null,"ledger":{"seq":6354,"hash":"8f62bdba156e2a88216361683a75d7d1aec8d30e2fa9987dbe275f1df5db1053","prev_hash":"a24d18d4eccc59b50183011ac741e6be9687b7b7bba8d6c2600b1f6477f80fd0","recorded_at":"2026-09-28T22:08:52+00:00"}}