{"txn_id":"SR-UW-0631","assessment_id":"ra_e077c2576c524c7f","occurred_at":"2026-10-10T07:29:56+00:00","state":"CO","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":true,"consumer_report_used":true,"credit_used":true,"data_source_refs":["vendor://rxdata/score","cra://demo-bureau/attributes"],"consumer_token":"tok_d6e5393ccf"},"output":{"decision":"decline","score":0.894,"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":null,"reasons_provided":false,"specific_reasons":false,"ecdis_disclosed":false,"appeal_channel":null},"carrier_note":null,"input":{"revision":1,"current_revision":1,"input_digest":"58c2d531b2196899109a17f4718f8aa270e104dd0104c9809bd2b194a3e5c99c","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":"HOLD","coverage":{"status":"supported","state_rules_applied":4,"general_rules_applied":2,"advisory_rules_applied":4,"rules_considered":30,"rules_applied":["co.sb169.ecdis-adverse-untested","co.reg-10-1-1.governance-framework-amended","co.reg-10-1-1.vendor-ecdis-documentation","co.reg-10-1-1.monitoring-undocumented","doctrine.co.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","precedent.ai-flagged-cancellation-without-notice"],"statement":"4 state-specific and 2 general black-letter rule(s) applied to this CO life underwriting transaction. Only the configured checks were run; a result is not a legal opinion on compliance."},"evidence":{"status":"missing","asserted":["inputs.data_source_refs"],"missing":["ai_system.governance_attested","ai_system.model_doc_ref","ai_system.testing_report_ref"],"statement":"Missing evidence: ai_system.governance_attested, ai_system.model_doc_ref, ai_system.testing_report_ref. Supplied but unverified: inputs.data_source_refs."},"summary":"HOLD: 6 finding(s) under rules 2026.10+c4982313, corpus 2026-10-30-9c5dad5a. Recommended hold for the carrier's compliance review before the outcome is communicated; the carrier decides.","narrative":"On 2026-10-10, rx-score v3 (a third-party system from RxData Labs (fictional)) produced 'decline' in a CO life underwriting transaction. Inputs included rx history, credit, consumer report, application data. External consumer data and information sources were present. A consumer report was used. A human reviewed the output by a underwriter. The outcome was adverse to the consumer; no notice to the consumer is recorded. RegBench applied 10 rule(s) in force on 2026-10-10 and recorded 6 finding(s); the most serious is 'Adverse action based on a consumer report with no FCRA notice recorded' (high, L0).","findings":[{"rule_id":"us.fcra.adverse-action-notice","layer":"L0","judgment_basis":"black_letter","advisory":false,"severity":"high","title":"Adverse action based on a consumer report with no FCRA notice recorded","required_action":"Hold the outcome for compliance review; generate the notice with every required element before the decision is communicated, and record notice_sent_at on the transaction.","exhibits":["C"],"content_status":"verified","citations":[{"provision_id":"us-fcra-1681m-a","label":"15 U.S.C. § 1681m(a) (FCRA § 615(a)) — duties of users taking adverse actions on the basis of a consumer report","source_url":"https://www.law.cornell.edu/uscode/text/15/1681m","verified":true},{"provision_id":"us-fcra-1681a-k-1-b-i","label":"15 U.S.C. § 1681a(k)(1)(B)(i) — 'adverse action' in connection with insurance","source_url":"https://www.law.cornell.edu/uscode/text/15/1681a","verified":true}]},{"rule_id":"co.sb169.ecdis-adverse-untested","layer":"L2","judgment_basis":"black_letter","advisory":false,"severity":"high","title":"Adverse outcome from an ECDIS-driven model with no unfair-discrimination testing on record","required_action":"Attach the system's unfair-discrimination testing report reference; route the outcome to compliance review.","exhibits":["C"],"content_status":"verified","citations":[{"provision_id":"co-crs-10-3-1104-9","label":"C.R.S. § 10-3-1104.9 (S.B. 21-169) — unfair discrimination through external consumer data, algorithms and predictive models","source_url":"https://codes.findlaw.com/co/title-10-insurance/co-rev-st-sect-10-3-1104-9/","verified":true}]},{"rule_id":"co.reg-10-1-1.governance-framework-amended","layer":"L3","judgment_basis":"black_letter","advisory":false,"severity":"medium","title":"ECDIS used outside an attested governance and risk management framework (amended Regulation 10-1-1)","required_action":"Add the system to the Regulation 10-1-1 inventory, attest framework coverage, and include it in the next annual report filed through SERFF.","exhibits":["A","B"],"content_status":"verified","citations":[{"provision_id":"co-reg-10-1-1-s5","label":"3 CCR 702-10, Regulation 10-1-1 (amended, effective 15 Oct 2025), § 5.A — governance and risk management framework (life, private passenger auto, health benefit plans)","source_url":"https://www.sos.state.co.us/CCR/GenerateRulePdf.do?ruleVersionId=12182","verified":true},{"provision_id":"co-reg-10-1-1-s6","label":"3 CCR 702-10, Regulation 10-1-1 (amended), § 6 — reporting requirements and officer attestation","source_url":"https://www.sos.state.co.us/CCR/GenerateRulePdf.do?ruleVersionId=12182","verified":true}]},{"rule_id":"co.reg-10-1-1.vendor-ecdis-documentation","layer":"L3","judgment_basis":"black_letter","advisory":false,"severity":"medium","title":"Third-party ECDIS model without documentation of purpose, inputs and vendor oversight","required_action":"Record the vendor model's documentation reference in the inventory and the vendor oversight record.","exhibits":["A","D"],"content_status":"verified","citations":[{"provision_id":"co-reg-10-1-1-s5","label":"3 CCR 702-10, Regulation 10-1-1 (amended, effective 15 Oct 2025), § 5.A — governance and risk management framework (life, private passenger auto, health benefit plans)","source_url":"https://www.sos.state.co.us/CCR/GenerateRulePdf.do?ruleVersionId=12182","verified":true},{"provision_id":"co-reg-10-1-1-s5-b-vendors","label":"3 CCR 702-10, Regulation 10-1-1 (amended), § 5.B — responsibility for vendors and external resources","source_url":"https://www.sos.state.co.us/CCR/GenerateRulePdf.do?ruleVersionId=12182","verified":true}]},{"rule_id":"precedent.ai-flagged-cancellation-without-notice","layer":"L5","judgment_basis":"precedent","advisory":true,"severity":"medium","title":"AI-flagged non-renewal or decline with no notice recorded (pattern of the 2026 Pennsylvania agreement)","required_action":"Confirm the notice and document deadlines before the cancellation or decline takes effect; record the notice on the transaction.","exhibits":["C"],"content_status":"verified","citations":[{"provision_id":"precedent-pa-geico-2026","label":"Pennsylvania Attorney General agreement with GEICO (announced May 2026) — AI-enabled underwriting review and cancellation without adequate notice","source_url":"https://www.attorneygeneral.gov/?p=33518","verified":true}]},{"rule_id":"co.reg-10-1-1.monitoring-undocumented","layer":"L3","judgment_basis":"black_letter","advisory":false,"severity":"low","title":"ECDIS model with no documented testing or performance monitoring reference","required_action":"Record the testing and monitoring documentation reference for the model.","exhibits":["C"],"content_status":"verified","citations":[{"provision_id":"co-reg-10-1-1-s5","label":"3 CCR 702-10, Regulation 10-1-1 (amended, effective 15 Oct 2025), § 5.A — governance and risk management framework (life, private passenger auto, health benefit plans)","source_url":"https://www.sos.state.co.us/CCR/GenerateRulePdf.do?ruleVersionId=12182","verified":true}]}],"point_in_time":{"as_of":"2026-10-10","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":"2026-10-31T05:42:54.474220+00:00","fingerprint":"bdab03d5330494738cdf9dea"},"review":{"status":"resolved","outcome":"remediated","hours_to_resolve":5.8,"reviewer_role":"underwriter","resolved_at":"2026-10-10T13:18:37.461807+00:00"},"ledger":{"seq":6134,"hash":"db793cf207a69575be3ad6a9dff7b0c22d057c6f5ac70fc83ea21ce99e4de94d","prev_hash":"36e64c16f28eeaf7d137f1573511356d1699422ef508cc629e191475057537a2","recorded_at":"2026-10-10T07:31:34+00:00"}}