{"txn_id":"SR-UW-0634","assessment_id":"ra_bc94161690b9449e","occurred_at":"2026-10-27T13:33:18+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_e7268676a6"},"output":{"decision":"approve","score":0.321,"reason_codes":[],"premium_delta_pct":null},"human_involvement":{"reviewed":false,"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,"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 2026-10-27, rx-score v3 (a third-party system from RxData Labs (fictional)) produced 'approve' 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 not adverse to the consumer. RegBench applied 10 rule(s) in force on 2026-10-27 and recorded no findings.","findings":[],"point_in_time":{"as_of":"2026-10-27","rules_version":"2026.10+dbe5ddf6","corpus_snapshot":"2026-10-30-5f07c521","engine_version":"regbench-engine/0.4.0","model_version":"deterministic-1"},"evaluated_at":"2026-10-30T11:23:24.180679+00:00","fingerprint":"339f765f9d1a1b2c86452a25"},"review":null,"ledger":{"seq":634,"hash":"ec03dc68846fcce4539d0da89735f51e80db90334811945679161f1715571255","prev_hash":"ddacc43df92c83bd39fd2c1beea3db03585e70ca43265497155505f43f662c62","recorded_at":"2026-10-27T13:36:33+00:00"}}