{"txn_id":"SR-UW-0747","assessment_id":"ra_18a509b5e95b4163","occurred_at":"2026-09-17T09:36:22+00:00","state":"CT","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_8c8486fa74"},"output":{"decision":"rate","score":0.791,"reason_codes":[],"premium_delta_pct":41.0},"human_involvement":{"reviewed":true,"reviewer_role":"underwriter","overridden":false},"adverse_action":{"is_adverse":true,"notice_sent_at":"2026-09-23T09:36:22+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":"2b5701ef136c4835da153a5883f644d2478fef9bab2936c706fd1ab0dad47933","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":3,"general_rules_applied":2,"advisory_rules_applied":3,"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","naic.ais-program.third-party-diligence","naic.ais-program.documentation","naic.adverse-outcome-testing","precedent.ai-flagged-cancellation-without-notice"],"statement":"3 state-specific and 2 general black-letter rule(s) applied to this CT 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: 3 finding(s) under rules 2026.10+c4982313, corpus 2026-10-30-9c5dad5a. Routed to the carrier's compliance reviewer with cited findings.","narrative":"On 2026-09-17, rx-score v3 (a third-party system from RxData Labs (fictional)) produced 'rate' in a CT life underwriting transaction. Inputs included rx history, credit, consumer report, application data. A consumer report was used. A human reviewed the output by a underwriter. The outcome was adverse to the consumer; a notice was sent on 2026-09-23 with specific reasons. RegBench applied 8 rule(s) in force on 2026-09-17 and recorded 3 finding(s); the most serious is 'Adverse high-risk decision from a system with no adverse-outcome testing on record' (medium, L1).","findings":[{"rule_id":"naic.adverse-outcome-testing","layer":"L1","judgment_basis":"guidance","advisory":false,"severity":"medium","title":"Adverse high-risk decision from a system with no adverse-outcome testing on record","required_action":"Attach the system's latest testing report reference (errors, bias, unfair discrimination, drift).","exhibits":["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},{"provision_id":"naic-ai-bulletin-s4-oversight","label":"NAIC Model Bulletin (2023), Section 4 — Regulatory Oversight and Examination Considerations","source_url":"https://content.naic.org/sites/default/files/inline-files/2023-12-4%20Model%20Bulletin_Adopted_0.pdf","verified":true}]},{"rule_id":"naic.ais-program.third-party-diligence","layer":"L1","judgment_basis":"guidance","advisory":false,"severity":"medium","title":"Third-party AI system without an attested due-diligence and contract record","required_action":"Attach the vendor due-diligence record and contract terms (audit rights, regulatory cooperation) to the system's inventory entry and attest governance coverage.","exhibits":["A","C"],"content_status":"verified","citations":[{"provision_id":"naic-ai-bulletin-s3-4-third-party","label":"NAIC Model Bulletin (2023), Section 3, 4.0 Third-Party AI Systems and Data","source_url":"https://content.naic.org/sites/default/files/inline-files/2023-12-4%20Model%20Bulletin_Adopted_0.pdf","verified":true},{"provision_id":"naic-ai-bulletin-s4-oversight","label":"NAIC Model Bulletin (2023), Section 4 — Regulatory Oversight and Examination Considerations","source_url":"https://content.naic.org/sites/default/files/inline-files/2023-12-4%20Model%20Bulletin_Adopted_0.pdf","verified":true}]},{"rule_id":"naic.ais-program.documentation","layer":"L1","judgment_basis":"guidance","advisory":false,"severity":"low","title":"High-risk AI system with no model documentation reference","required_action":"Link the system to its model documentation (purpose, inputs, validation, monitoring) in the inventory.","exhibits":["A","C"],"content_status":"verified","citations":[{"provision_id":"naic-ai-bulletin-s4-oversight","label":"NAIC Model Bulletin (2023), Section 4 — Regulatory Oversight and Examination Considerations","source_url":"https://content.naic.org/sites/default/files/inline-files/2023-12-4%20Model%20Bulletin_Adopted_0.pdf","verified":true},{"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}]}],"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":"2026-10-31T05:42:54.974742+00:00","fingerprint":"ae9b3ac09c1d3f8ba9bdf51d"},"review":{"status":"open","outcome":null,"hours_to_resolve":null,"reviewer_role":null,"resolved_at":null},"ledger":{"seq":6250,"hash":"79338b3b9bfa10bcafc08300eb5540c782c20687041f34a1bf02d1a713b69b5d","prev_hash":"21f50060d212194fe9d5a3ddc03114ca66f297fc55e0a6cac6873ad4a208a6ad","recorded_at":"2026-09-17T09:38:01+00:00"}}