{"txn_id":"SR-UW-0683","assessment_id":"ra_81fb48cffd074eb4","occurred_at":"2026-10-21T04:15:56+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_63f0580410"},"output":{"decision":"approve","score":0.263,"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: 3 finding(s) under rules 2026.10+dbe5ddf6, corpus 2026-10-30-5f07c521. Routed to the carrier's compliance reviewer with cited findings.","narrative":"On 2026-10-21, rx-score v3 (a third-party system from RxData Labs (fictional)) produced 'approve' 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. 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 2026-10-21 and recorded 3 finding(s); the most serious is 'ECDIS used outside an attested governance and risk management framework (amended Regulation 10-1-1)' (medium, L3).","findings":[{"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"],"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"],"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":"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"],"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":"2026-10-21","rules_version":"2026.10+dbe5ddf6","corpus_snapshot":"2026-10-30-5f07c521","engine_version":"regbench-engine/0.4.0","model_version":"deterministic-1"},"evaluated_at":"2026-10-30T11:23:24.307435+00:00","fingerprint":"05d96cb3c740added2173f90"},"review":{"status":"resolved","outcome":"remediated","hours_to_resolve":20.2,"reviewer_role":"underwriter","resolved_at":"2026-10-22T00:27:58.269476+00:00"},"ledger":{"seq":683,"hash":"444f8cce5f0dee636cfcc02b76c71a1bcfe2ecb9dc15674968531b522d90ded3","prev_hash":"3980d71010b4062deb255088a175abec874ae35a4755308c32afeb9f5e5e0583","recorded_at":"2026-10-21T04:17:25+00:00"}}