{"txn_id":"SR-UW-0684","assessment_id":"ra_da667c0f682d4fee","occurred_at":"2026-09-17T19:01:54+00:00","state":"TX","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":false,"consumer_report_used":true,"credit_used":true,"data_source_refs":["vendor://rxdata/score","cra://demo-bureau/attributes"],"consumer_token":"tok_b025a00bd2"},"output":{"decision":"approve","score":0.339,"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,"input":{"revision":1,"current_revision":1,"input_digest":"b6eb2bed1e5dc52a73aae03e67369691f14b2dbb114d87d9fe249198cbe30980","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":"PASS","coverage":{"status":"supported","state_rules_applied":5,"general_rules_applied":2,"advisory_rules_applied":2,"rules_considered":30,"rules_applied":["doctrine.unreviewed-adverse-high-risk","doctrine.zip-credit-interaction-proxy","us.fcra.adverse-action-notice","us.fcra.permissible-purpose-undocumented","tx.544.prohibited-basis","tx.544.protected-factor-without-actuarial-support","tx.tdi.consequential-decision-without-human-review","tx.tdi.third-party-data-source-unrecorded","tx.traiga.ai-discrimination-context"],"statement":"5 state-specific and 2 general black-letter rule(s) applied to this TX life rating 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":"PASS: 0 finding(s) under rules 2026.10+c4982313, corpus 2026-10-30-9c5dad5a. No configured check fired; the case file is recorded. This is not a compliance conclusion.","narrative":"On 2026-09-17, rx-score v3 (a third-party system from RxData Labs (fictional)) produced 'approve' in a TX life rating 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 9 rule(s) in force on 2026-09-17 and recorded no findings.","findings":[],"point_in_time":{"as_of":"2026-09-17","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":"2026-10-31T05:42:54.657847+00:00","fingerprint":"f085f21b93b646159a4a4a6a"},"review":null,"ledger":{"seq":6187,"hash":"967661ac80d0b200bcda33bcd85d0cde8ad70b75ab575df2d51fb4b721ac6fcc","prev_hash":"db9793fdc56d3d7139c8ecc7059a8e705b3f87edf80ed55227b1df89b0409d15","recorded_at":"2026-09-17T19:05:46+00:00"}}