{"txn_id":"TX-RNW-0199","assessment_id":"ra_fa4bc92caaad4f2e","occurred_at":"2026-10-06T15:00:00+00:00","state":"TX","line_of_business":"home","stage":"renewal","program_area":"Ratemaking/Rate Classification/Schedule Rating/Premium Audits","ai_system":{"system_id":"uw-triage","model_version":"2.4","vendor":"internal","vendor_name":null,"high_risk_class":"underwriting"},"inputs":{"feature_classes":["aerial_imagery","property","claims_history"],"protected_factors_used":[],"ecdis_present":false,"consumer_report_used":false,"credit_used":false,"data_source_refs":["imagery://vendor/roof-condition"],"consumer_token":"tok_showcase_0199"},"output":{"decision":"non_renew","score":0.84,"reason_codes":["ROOF-3"],"premium_delta_pct":null},"human_involvement":{"reviewed":false,"reviewer_role":null,"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":"Homeowners non-renewal driven by an aerial-imagery roof-condition score; no notice generated; no human review.","assessment":{"disposition":"FLAG","summary":"FLAG: 3 finding(s) under rules 2026.10+dbe5ddf6, corpus 2026-10-30-5f07c521. Routed to the carrier's compliance reviewer with cited findings.","narrative":"On 2026-10-06, uw-triage v2.4 (an internally developed system) produced 'non renew' in a TX home renewal transaction. Inputs included aerial imagery, property, claims history. No human reviewed the output before it took effect. The outcome was adverse to the consumer; no notice to the consumer is recorded. RegBench applied 11 rule(s) in force on 2026-10-06 and recorded 3 finding(s); the most serious is 'Consequential AI-supported decision taken without a person reviewing and agreeing' (high, L4).","findings":[{"rule_id":"tx.tdi.consequential-decision-without-human-review","layer":"L4","judgment_basis":"guidance","advisory":false,"severity":"high","title":"Consequential AI-supported decision taken without a person reviewing and agreeing","required_action":"Route to the responsible reviewer before the outcome takes effect; record the reviewer on the transaction.","exhibits":["B","C"],"citations":[{"provision_id":"tx-tdi-b-0003-26-human-review","label":"TDI Commissioner's Bulletin B-0003-26 (12 June 2026), Use of Artificial Intelligence — human review of consequential decisions","source_url":"https://www.tdi.texas.gov/bulletins/2026/b-0003-26.html","verified":true},{"provision_id":"tx-tdi-b-0003-26-governance","label":"TDI Commissioner's Bulletin B-0003-26 (12 June 2026) — governance, procedures on request, and monitoring","source_url":"https://www.tdi.texas.gov/bulletins/2026/b-0003-26.html","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"],"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}]},{"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"],"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}]}],"point_in_time":{"as_of":"2026-10-06","rules_version":"2026.10+dbe5ddf6","corpus_snapshot":"2026-10-30-5f07c521","engine_version":"regbench-engine/0.4.0","model_version":"deterministic-1"},"evaluated_at":"2026-10-30T11:23:25.371784+00:00","fingerprint":"bb5cdcc31dd03749dad0eef9"},"review":{"status":"resolved","outcome":"remediated","hours_to_resolve":10.9,"reviewer_role":"compliance","resolved_at":"2026-10-07T01:56:23.646212+00:00"},"ledger":{"seq":1128,"hash":"5de84fec1984ed9a0fe4732b619be4eb5f8bb05be6a9509823ce61cb53d223b1","prev_hash":"d66a8c916be6b32ef077524a3996446f4fec69c3e554652db5876341e838de18","recorded_at":"2026-10-06T15:01:29+00:00"}}