Regulatory Assessment

BB-UW-0035 PASS

TX · auto · underwriting · decided 2026-10-14 01:56 UTC · Bluebonnet Mutual Insurance Company (fictional)

On 2026-10-14, uw-triage v2.4 (an internally developed system) produced 'refer' in a TX auto underwriting transaction. Inputs included application data, claims history, consumer report, credit, geography. 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 2026-10-14 and recorded no findings.

PASS: 0 finding(s) under rules 2026.10+c4982313, corpus 2026-10-30-9c5dad5a. No configured check fired; the case file is recorded. This is not a compliance conclusion.

Coverage: supported. 6 state-specific and 2 general black-letter rule(s) applied to this TX auto underwriting transaction. Only the configured checks were run; a result is not a legal opinion on compliance. 11 of 30 rules applied.

Evidence (carrier asserted). Supplied by the carrier and not verified by RegBench: ai_system.governance_attested, ai_system.model_doc_ref, ai_system.testing_report_ref.

Findings (0)

No configured check fired under the rules in force on 2026-10-14 for this state, line and stage. That is not a compliance conclusion; the case file is recorded all the same.

Point in time

Law as of: 2026-10-14
Rules version: 2026.10+c4982313
Corpus snapshot: 2026-10-30-9c5dad5a
Engine: regbench-engine/0.5.0 · deterministic-1
Fingerprint: 883b2e978d7007a68bf29edf (pattern grouping, not an integrity check)
Input digest: 44828a40734f34de799f0cef73f8389a26229cb4bd687a19be34f95b2b8b195c
Evaluated: 2026-10-31 05:42:52 UTC
Exhibit C case file: yes

Ledger

Entry: #5538 · assessment · recorded 2026-10-14T01:58:40+00:00
Hash: bd5acf602605569d472b06f15435c107b77b59828265c0501f5dbfcce14d0967
Previous: b6ef5f55958669808af9df780f29d95da5cdc5462dd6c78b5952f908bce698a1
Stored copy intact: yes, hashes match
Assessed input intact: yes, revision 1 matches the input digest

Verify the whole chain Case file JSON

Carrier review

No review item: the disposition was PASS.

Recorded facts revision 1

As asserted by the carrier. References are recorded, not verified: RegBench holds no copy of the documents they name.

AI system: uw-triage v2.4 · internal · high-risk class: underwriting
Governance attested: True
Testing report: test://bluebonnet/uw-triage/2026Q3
Model documentation: doc://bluebonnet/uw-triage/2.4
Feature classes: application_data, claims_history, consumer_report, credit, geography
Protected factors used: none
External data (ECDIS): False
Consumer report / credit: True / True
Data sources: cra://demo-bureau/report

Decision: refer · score 0.598
Human review: yes (underwriter)
Adverse to consumer: False
Notice: not recorded · reasons: False · specific: False · external data disclosed: False
Appeal channel: –
Consumer token: tok_6a7a957971