{"txn_id":"SR-ACC-0859","assessment_id":"ra_1831814413004c0d","occurred_at":"2026-10-19T16:52:21+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_3205b41e6c"},"output":{"decision":"approve","score":0.29,"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":"e9c6e226d641b7348d0067af0f65d394e63762ebf888a4c34eacc92cdd55665c","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 2026-10-19, uw-accelerate v4.0 (an internally developed system) produced 'approve' in a CT 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 8 rule(s) in force on 2026-10-19 and recorded no findings.","findings":[],"point_in_time":{"as_of":"2026-10-19","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":"2026-10-31T05:42:55.336094+00:00","fingerprint":"8b1d0bec3c556aacb5c5654a"},"review":null,"ledger":{"seq":6362,"hash":"3158405551c2ca7de6ee72323369717573d63ab43c4d567da9d2366557b546af","prev_hash":"a8cf61c7d59d98eb85cc8897726156f0c52853878f18c324a3db923a4656a55f","recorded_at":"2026-10-19T16:53:49+00:00"}}