{"txn_id":"TX-UW-0311","assessment_id":"ra_92dbfb02417f4df0","occurred_at":"2026-10-15T15:00:00+00:00","state":"TX","line_of_business":"auto","stage":"underwriting","program_area":"Underwriting/Eligibility","ai_system":{"system_id":"uw-triage","model_version":"2.4","vendor":"internal","vendor_name":null,"high_risk_class":"underwriting"},"inputs":{"feature_classes":["application_data","claims_history","consumer_report","credit"],"protected_factors_used":[],"ecdis_present":false,"consumer_report_used":true,"credit_used":true,"data_source_refs":["cra://demo-bureau/report"],"consumer_token":"tok_showcase_0311"},"output":{"decision":"approve","score":0.21,"reason_codes":[],"premium_delta_pct":null},"human_involvement":{"reviewed":true,"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":"Standard new-business approval with a consumer report and underwriter sign-off.","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 2026-10-15, uw-triage v2.4 (an internally developed system) produced 'approve' in a TX auto underwriting transaction. Inputs included application data, claims history, consumer report, credit. A consumer report was used. A human reviewed the output by a underwriter. The outcome was not adverse to the consumer. RegBench applied 11 rule(s) in force on 2026-10-15 and recorded no findings.","findings":[],"point_in_time":{"as_of":"2026-10-15","rules_version":"2026.10+dbe5ddf6","corpus_snapshot":"2026-10-30-5f07c521","engine_version":"regbench-engine/0.4.0","model_version":"deterministic-1"},"evaluated_at":"2026-10-30T11:23:25.365522+00:00","fingerprint":"f63f87a4e8ca9237edf5ba00"},"review":null,"ledger":{"seq":1126,"hash":"d66a8c916be6b32ef077524a3996446f4fec69c3e554652db5876341e838de18","prev_hash":"852d7d9347da922a27f5afce10ff456ee67fe02425498f4426a8456d1b223d44","recorded_at":"2026-10-15T15:01:48+00:00"}}