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+dbe5ddf6, corpus 2026-10-30-5f07c521. No regulatory finding; the case file is recorded.
Findings (0)
No finding under the rules in force on 2026-10-14 for this state, line and stage. The case file is recorded all the same.
Point in time
- Law as of
- 2026-10-14
- Rules version
- 2026.10+dbe5ddf6
- Corpus snapshot
- 2026-10-30-5f07c521
- Engine
- regbench-engine/0.4.0 · deterministic-1
- Fingerprint
- f21ba2f8baea3b893307bb78
- Evaluated
- 2026-10-30 11:23:22 UTC
- Exhibit C case file
- yes
Ledger
- Entry
- #35 · assessment · recorded 2026-10-14T01:58:40+00:00
- Hash
- b0f71cf264db7639805e08e5a73446a0dbeb75f35bee947461dfc81822717ab2
- Previous
- 0d3c86899cc2fb5224745959e5d7faaf5f1cb19d7430d40a89dd7293fb9c25e2
- Stored copy intact
- yes, hashes match
Carrier review
No review item: the disposition was PASS.
Recorded facts
- 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