{"txn_id":"SR-UW-0655","assessment_id":"ra_4389bcc905304d29","occurred_at":"2026-10-16T08:13:17+00:00","state":"NY","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":true,"consumer_report_used":true,"credit_used":true,"data_source_refs":["vendor://rxdata/score","cra://demo-bureau/attributes"],"consumer_token":"tok_94283bf2c7"},"output":{"decision":"approve","score":0.248,"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":"FLAG","summary":"FLAG: 4 finding(s) under rules 2026.10+dbe5ddf6, corpus 2026-10-30-5f07c521. Routed to the carrier's compliance reviewer with cited findings.","narrative":"On 2026-10-16, rx-score v3 (a third-party system from RxData Labs (fictional)) produced 'approve' in a NY life rating transaction. Inputs included rx history, credit, consumer report, application data. External consumer data and information sources were present. 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 2026-10-16 and recorded 4 finding(s); the most serious is 'Underwriting or pricing AI used without a documented disparate-impact assessment' (high, L4).","findings":[{"rule_id":"ny.cl7.disparate-impact-assessment","layer":"L4","judgment_basis":"guidance","advisory":false,"severity":"high","title":"Underwriting or pricing AI used without a documented disparate-impact assessment","required_action":"Attach the system's documented assessment reference; route to compliance review.","exhibits":["C"],"citations":[{"provision_id":"ny-dfs-cl7-2024-II-B","label":"NY DFS Insurance Circular Letter No. 7 (11 July 2024), § II.B — unfair and unlawful discrimination","source_url":"https://www.dfs.ny.gov/industry-guidance/circular-letters/cl2024-07","verified":true},{"provision_id":"ny-dfs-cl7-2024-II-C","label":"NY DFS Insurance Circular Letter No. 7 (2024), § II.C — analyzing for unfair or unlawful discrimination (testing before production and on a regular cadence)","source_url":"https://www.dfs.ny.gov/industry-guidance/circular-letters/cl2024-07","verified":true},{"provision_id":"ny-ins-2606","label":"N.Y. Insurance Law § 2606 — discrimination because of race, color, creed, national origin or disability","source_url":"https://www.nysenate.gov/legislation/laws/ISC/2606","verified":true},{"provision_id":"ny-ins-2303","label":"N.Y. Insurance Law § 2303 — rates shall not be excessive, inadequate or unfairly discriminatory","source_url":"https://www.nysenate.gov/legislation/laws/ISC/2303","verified":true}]},{"rule_id":"ny.cl7.governance-oversight","layer":"L4","judgment_basis":"guidance","advisory":false,"severity":"medium","title":"Underwriting or pricing AI outside an attested governance framework","required_action":"Attest the system's coverage under the governance framework and link the latest internal audit.","exhibits":["B"],"citations":[{"provision_id":"ny-dfs-cl7-2024-III-A","label":"NY DFS Insurance Circular Letter No. 7 (2024), § III.A — board and senior management oversight","source_url":"https://www.dfs.ny.gov/industry-guidance/circular-letters/cl2024-07","verified":true},{"provision_id":"ny-dfs-cl7-2024-III-B","label":"NY DFS Insurance Circular Letter No. 7 (2024), § III.B — policies, procedures and documentation (including the AIS inventory)","source_url":"https://www.dfs.ny.gov/industry-guidance/circular-letters/cl2024-07","verified":true}]},{"rule_id":"ny.cl7.third-party-accountability","layer":"L4","judgment_basis":"guidance","advisory":false,"severity":"medium","title":"Third-party ECDIS or AI vendor without documented standards and audit rights","required_action":"Record the vendor standards, audit rights and evaluation for the system.","exhibits":["A"],"citations":[{"provision_id":"ny-dfs-cl7-2024-III-D","label":"NY DFS Insurance Circular Letter No. 7 (2024), § III.D — third-party vendors","source_url":"https://www.dfs.ny.gov/industry-guidance/circular-letters/cl2024-07","verified":true},{"provision_id":"ny-dfs-cl7-2024-II-B","label":"NY DFS Insurance Circular Letter No. 7 (11 July 2024), § II.B — unfair and unlawful discrimination","source_url":"https://www.dfs.ny.gov/industry-guidance/circular-letters/cl2024-07","verified":true}]},{"rule_id":"ny.cl7.inventory-documentation","layer":"L4","judgment_basis":"guidance","advisory":false,"severity":"low","title":"Underwriting or pricing AI with no inventory documentation reference","required_action":"Link the system to its inventory documentation.","exhibits":["A","C"],"citations":[{"provision_id":"ny-dfs-cl7-2024-III-B","label":"NY DFS Insurance Circular Letter No. 7 (2024), § III.B — policies, procedures and documentation (including the AIS inventory)","source_url":"https://www.dfs.ny.gov/industry-guidance/circular-letters/cl2024-07","verified":true}]}],"point_in_time":{"as_of":"2026-10-16","rules_version":"2026.10+dbe5ddf6","corpus_snapshot":"2026-10-30-5f07c521","engine_version":"regbench-engine/0.4.0","model_version":"deterministic-1"},"evaluated_at":"2026-10-30T11:23:24.235179+00:00","fingerprint":"fe18ff0cdd18d034cc4fa9b6"},"review":{"status":"resolved","outcome":"confirmed-no-change","hours_to_resolve":10.3,"reviewer_role":"compliance","resolved_at":"2026-10-16T18:33:49.116291+00:00"},"ledger":{"seq":655,"hash":"0b85b2c7fb307210eb6561d0082068e2e54d339bb9127e6cdc12e2cb9d556e81","prev_hash":"03cc98421026ed24560ddda88bc03d0bf29439916a72063ca28cd0b63f06001e","recorded_at":"2026-10-16T08:15:59+00:00"}}