{"txn_id":"SR-UW-0701","assessment_id":"ra_60ccccfd59784ee4","occurred_at":"2026-10-23T05:32:08+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_2623663580"},"output":{"decision":"approve","score":0.092,"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 2026-10-23, 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 2026-10-23 and recorded no findings.","findings":[],"point_in_time":{"as_of":"2026-10-23","rules_version":"2026.10+dbe5ddf6","corpus_snapshot":"2026-10-30-5f07c521","engine_version":"regbench-engine/0.4.0","model_version":"deterministic-1"},"evaluated_at":"2026-10-30T11:23:24.354049+00:00","fingerprint":"194f304ad5c68ceeb0335f30"},"review":null,"ledger":{"seq":701,"hash":"ff7b9176eb3031310c06244330120b8bcb9d9f77b370adbd4dea0912220e34ae","prev_hash":"86a1d7c3f0b4f7430c433e2ec11cb9fd603eca29b8947b19d69598c81ef5cf4f","recorded_at":"2026-10-23T05:35:21+00:00"}}