{"txn_id":"SR-UW-0618","assessment_id":"ra_b8d789cc9f6b4c05","occurred_at":"2026-10-25T19:46:00+00:00","state":"TX","line_of_business":"life","stage":"underwriting","program_area":"Underwriting/Eligibility","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_b8c44a9ea2"},"output":{"decision":"rate","score":0.677,"reason_codes":[],"premium_delta_pct":58.1},"human_involvement":{"reviewed":false,"reviewer_role":"underwriter","overridden":false},"adverse_action":{"is_adverse":true,"notice_sent_at":"2026-10-27T19:46:00+00:00","reasons_provided":true,"specific_reasons":true,"ecdis_disclosed":false,"appeal_channel":null},"carrier_note":null,"assessment":{"disposition":"FLAG","summary":"FLAG: 2 finding(s) under rules 2026.10+dbe5ddf6, corpus 2026-10-30-5f07c521. Routed to the carrier's compliance reviewer with cited findings.","narrative":"On 2026-10-25, rx-score v3 (a third-party system from RxData Labs (fictional)) produced 'rate' in a TX life underwriting transaction. Inputs included rx history, credit, consumer report, application data. A consumer report was used. No human reviewed the output before it took effect. The outcome was adverse to the consumer; a notice was sent on 2026-10-27 with specific reasons. RegBench applied 10 rule(s) in force on 2026-10-25 and recorded 2 finding(s); the most serious is 'Consequential AI-supported decision taken without a person reviewing and agreeing' (high, L4).","findings":[{"rule_id":"tx.tdi.consequential-decision-without-human-review","layer":"L4","judgment_basis":"guidance","advisory":false,"severity":"high","title":"Consequential AI-supported decision taken without a person reviewing and agreeing","required_action":"Route to the responsible reviewer before the outcome takes effect; record the reviewer on the transaction.","exhibits":["B","C"],"citations":[{"provision_id":"tx-tdi-b-0003-26-human-review","label":"TDI Commissioner's Bulletin B-0003-26 (12 June 2026), Use of Artificial Intelligence — human review of consequential decisions","source_url":"https://www.tdi.texas.gov/bulletins/2026/b-0003-26.html","verified":true},{"provision_id":"tx-tdi-b-0003-26-governance","label":"TDI Commissioner's Bulletin B-0003-26 (12 June 2026) — governance, procedures on request, and monitoring","source_url":"https://www.tdi.texas.gov/bulletins/2026/b-0003-26.html","verified":true}]},{"rule_id":"doctrine.unreviewed-adverse-high-risk","layer":"L6","judgment_basis":"doctrine","advisory":true,"severity":"medium","title":"Adverse outcome from a high-risk AI system with no human review","required_action":"Route to the carrier's reviewer; record the review and any override on the transaction.","exhibits":["B","C"],"citations":[{"provision_id":"naic-ai-bulletin-s3-1-ais-program","label":"NAIC Model Bulletin on the Use of AI Systems by Insurers (adopted 4 Dec 2023), Section 3, 1.0 General Guidelines — the written AIS Program","source_url":"https://content.naic.org/sites/default/files/inline-files/2023-12-4%20Model%20Bulletin_Adopted_0.pdf","verified":true}]}],"point_in_time":{"as_of":"2026-10-25","rules_version":"2026.10+dbe5ddf6","corpus_snapshot":"2026-10-30-5f07c521","engine_version":"regbench-engine/0.4.0","model_version":"deterministic-1"},"evaluated_at":"2026-10-30T11:23:24.113778+00:00","fingerprint":"0077b4903639b462573e1cac"},"review":{"status":"resolved","outcome":"remediated","hours_to_resolve":61.0,"reviewer_role":"underwriter","resolved_at":"2026-10-28T08:45:23.207424+00:00"},"ledger":{"seq":618,"hash":"c3c0ee50043dc7a28063db5d21a8992704a9bb645dd0adfd8e53c7174e4952c8","prev_hash":"0041771eb9d24a8f7a91d20d23780a936d8df93b62d4bae54a2c8895b981788e","recorded_at":"2026-10-25T19:46:41+00:00"}}