{"txn_id":"SR-UW-0599","assessment_id":"ra_329ee8057f724ee5","occurred_at":"2026-10-14T03:22:34+00:00","state":"TX","line_of_business":"life","stage":"rating","program_area":"Ratemaking/Rate Classification/Schedule Rating/Premium Audits","ai_system":{"system_id":"rx-score","model_version":"3","vendor":"third_party","vendor_name":"RxData Labs (fictional)","high_risk_class":"underwriting"},"inputs":{"feature_classes":["rx_history","credit","consumer_report","application_data"],"protected_factors_used":[],"ecdis_present":false,"consumer_report_used":true,"credit_used":true,"data_source_refs":["vendor://rxdata/score","cra://demo-bureau/attributes"],"consumer_token":"tok_f92e220a36"},"output":{"decision":"decline","score":0.93,"reason_codes":["RX4","CR2"],"premium_delta_pct":null},"human_involvement":{"reviewed":true,"reviewer_role":"underwriter","overridden":false},"adverse_action":{"is_adverse":true,"notice_sent_at":"2026-10-18T03:22:34+00:00","reasons_provided":true,"specific_reasons":true,"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 2026-10-14, rx-score v3 (a third-party system from RxData Labs (fictional)) produced 'decline' in a TX life rating transaction. Inputs included rx history, credit, consumer report, application data. A consumer report was used. A human reviewed the output by a underwriter. The outcome was adverse to the consumer; a notice was sent on 2026-10-18 with specific reasons. RegBench applied 9 rule(s) in force on 2026-10-14 and recorded no findings.","findings":[],"point_in_time":{"as_of":"2026-10-14","rules_version":"2026.10+dbe5ddf6","corpus_snapshot":"2026-10-30-5f07c521","engine_version":"regbench-engine/0.4.0","model_version":"deterministic-1"},"evaluated_at":"2026-10-30T11:23:24.059508+00:00","fingerprint":"179725097143fd882e23fada"},"review":null,"ledger":{"seq":599,"hash":"44db3f32fb23189c44a6e70ae06e06a9681e489f0c9f817d11fd525810a43514","prev_hash":"2751a3052de495da6232f0e3637a09e276ae01f56ce3ff5f99af8e97921f1c86","recorded_at":"2026-10-14T03:23:27+00:00"}}