{"txn_id":"SR-UW-0727","assessment_id":"ra_10af44aee5664150","occurred_at":"2026-09-25T13:37:28+00:00","state":"NY","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_a8943b97ff"},"output":{"decision":"rate","score":0.622,"reason_codes":[],"premium_delta_pct":36.1},"human_involvement":{"reviewed":false,"reviewer_role":"underwriter","overridden":false},"adverse_action":{"is_adverse":true,"notice_sent_at":"2026-09-28T13:37:28+00:00","reasons_provided":true,"specific_reasons":true,"ecdis_disclosed":true,"appeal_channel":null},"carrier_note":null,"input":{"revision":1,"current_revision":1,"input_digest":"d67f6607c20641701d82a24fb35daa6081f930558e44d912b76d3f63238491d9","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":"FLAG","coverage":{"status":"supported","state_rules_applied":5,"general_rules_applied":2,"advisory_rules_applied":4,"rules_considered":30,"rules_applied":["doctrine.ny.vendor-rx-score-is-ecdis","doctrine.unreviewed-adverse-high-risk","doctrine.zip-credit-interaction-proxy","us.fcra.adverse-action-notice","us.fcra.permissible-purpose-undocumented","ny.cl7.disparate-impact-assessment","ny.cl7.governance-oversight","ny.cl7.inventory-documentation","ny.cl7.third-party-accountability","ny.cl7.adverse-decision-transparency","precedent.ai-flagged-cancellation-without-notice"],"statement":"5 state-specific and 2 general black-letter rule(s) applied to this NY life underwriting 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":"FLAG: 5 finding(s) under rules 2026.10+c4982313, corpus 2026-10-30-9c5dad5a. Routed to the carrier's compliance reviewer with cited findings.","narrative":"On 2026-09-25, rx-score v3 (a third-party system from RxData Labs (fictional)) produced 'rate' in a NY 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 adverse to the consumer; a notice was sent on 2026-09-28 with specific reasons. RegBench applied 11 rule(s) in force on 2026-09-25 and recorded 5 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"],"content_status":"verified","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"],"content_status":"verified","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"],"content_status":"verified","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":"doctrine.unreviewed-adverse-high-risk","layer":"L6","judgment_basis":"doctrine","advisory":true,"severity":"medium","title":"Adverse outcome from a high-risk AI system with no human review","required_action":"Route to the carrier's reviewer; record the review and any override on the transaction.","exhibits":["B","C"],"content_status":"verified","citations":[{"provision_id":"naic-ai-bulletin-s3-1-ais-program","label":"NAIC Model Bulletin on the Use of AI Systems by Insurers (adopted 4 Dec 2023), Section 3, 1.0 General Guidelines — the written AIS Program","source_url":"https://content.naic.org/sites/default/files/inline-files/2023-12-4%20Model%20Bulletin_Adopted_0.pdf","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"],"content_status":"verified","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":"2026-09-25","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":"2026-10-31T05:42:54.907416+00:00","fingerprint":"63b66273aed31fc0246e1199"},"review":{"status":"resolved","outcome":"remediated","hours_to_resolve":30.0,"reviewer_role":"underwriter","resolved_at":"2026-09-26T19:41:49.315884+00:00"},"ledger":{"seq":6230,"hash":"33b22fcaebcbf98472e421b3e4f8759c86ae39011595454d83a5200aa25c35f7","prev_hash":"4dbf49863746f641cc8caaf7bf8fe7d134628230e8f6b48be20a5a6b4b187e8c","recorded_at":"2026-09-25T13:41:07+00:00"}}