{"txn_id":"SR-UW-0752","assessment_id":"ra_3f7275b5036f44a4","occurred_at":"2026-09-27T01:48:45+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_1e3e464d78"},"output":{"decision":"decline","score":0.882,"reason_codes":["RX4","CR2"],"premium_delta_pct":null},"human_involvement":{"reviewed":true,"reviewer_role":"underwriter","overridden":false},"adverse_action":{"is_adverse":true,"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":"fc4ece1db46c3e56fd344c2e49e24476a50a1b93cb3f3abb0923aaeafaeb5f6f","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":"HOLD","coverage":{"status":"supported","state_rules_applied":5,"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","precedent.ai-flagged-cancellation-without-notice","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 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":"HOLD: 2 finding(s) under rules 2026.10+c4982313, corpus 2026-10-30-9c5dad5a. Recommended hold for the carrier's compliance review before the outcome is communicated; the carrier decides.","narrative":"On 2026-09-27, rx-score v3 (a third-party system from RxData Labs (fictional)) produced 'decline' in a TX 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; no notice to the consumer is recorded. RegBench applied 10 rule(s) in force on 2026-09-27 and recorded 2 finding(s); the most serious is 'Adverse action based on a consumer report with no FCRA notice recorded' (high, L0).","findings":[{"rule_id":"us.fcra.adverse-action-notice","layer":"L0","judgment_basis":"black_letter","advisory":false,"severity":"high","title":"Adverse action based on a consumer report with no FCRA notice recorded","required_action":"Hold the outcome for compliance review; generate the notice with every required element before the decision is communicated, and record notice_sent_at on the transaction.","exhibits":["C"],"content_status":"verified","citations":[{"provision_id":"us-fcra-1681m-a","label":"15 U.S.C. § 1681m(a) (FCRA § 615(a)) — duties of users taking adverse actions on the basis of a consumer report","source_url":"https://www.law.cornell.edu/uscode/text/15/1681m","verified":true},{"provision_id":"us-fcra-1681a-k-1-b-i","label":"15 U.S.C. § 1681a(k)(1)(B)(i) — 'adverse action' in connection with insurance","source_url":"https://www.law.cornell.edu/uscode/text/15/1681a","verified":true}]},{"rule_id":"precedent.ai-flagged-cancellation-without-notice","layer":"L5","judgment_basis":"precedent","advisory":true,"severity":"medium","title":"AI-flagged non-renewal or decline with no notice recorded (pattern of the 2026 Pennsylvania agreement)","required_action":"Confirm the notice and document deadlines before the cancellation or decline takes effect; record the notice on the transaction.","exhibits":["C"],"content_status":"verified","citations":[{"provision_id":"precedent-pa-geico-2026","label":"Pennsylvania Attorney General agreement with GEICO (announced May 2026) — AI-enabled underwriting review and cancellation without adequate notice","source_url":"https://www.attorneygeneral.gov/?p=33518","verified":true}]}],"point_in_time":{"as_of":"2026-09-27","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":"2026-10-31T05:42:54.999333+00:00","fingerprint":"f07a1422a452b905b2ad48c6"},"review":{"status":"open","outcome":null,"hours_to_resolve":null,"reviewer_role":null,"resolved_at":null},"ledger":{"seq":6255,"hash":"328783c52b8780698c75338087f7afe20fa9198f6e512b3181c145fa3337d309","prev_hash":"ca7bee8b37e34c6b8caf7abe1423bfe6b91a276481f422f93938c696e3a8d2d9","recorded_at":"2026-09-27T01:49:35+00:00"}}