Regulatory Assessment

BB-RNW-0320 PASS

TX · auto · renewal · decided 2026-10-18 01:03 UTC · Bluebonnet Mutual Insurance Company (fictional)

On 2026-10-18, price-opt v7.2 (an internally developed system) produced 'rate' in a TX auto renewal transaction. Inputs included telematics, credit, geography, vehicle, claims history. No human reviewed the output before it took effect. The outcome was not adverse to the consumer. RegBench applied 11 rule(s) in force on 2026-10-18 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 renewal 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 2026-10-18 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: 2026-10-18
Rules version: 2026.10+c4982313
Corpus snapshot: 2026-10-30-9c5dad5a
Engine: regbench-engine/0.5.0 · deterministic-1
Fingerprint: bb96ad3e3cbbc94d42fcb86c (pattern grouping, not an integrity check)
Input digest: d2776d84fcb821807e2965ea36078b77f11f798e9774063363605110389f07ea
Evaluated: 2026-10-31 05:42:53 UTC
Exhibit C case file: yes

Ledger

Entry: #5823 · assessment · recorded 2026-10-18T01:04:44+00:00
Hash: 61bf4a870a8428bb41335efa2bbf6b9cb60f8d2de44d6bbd3238bff78dea51d9
Previous: 7d032a9149c0223b246b6e91640814da17666f81724452758d474389c26af517
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: price-opt v7.2 · internal · high-risk class: pricing
Governance attested: True
Testing report: test://bluebonnet/price-opt/2026Q2
Model documentation: doc://bluebonnet/price-opt/7.2
Feature classes: telematics, credit, geography, vehicle, claims_history
Protected factors used: none
External data (ECDIS): False
Consumer report / credit: False / True
Data sources: cra://demo-bureau/score, telematics://bluebonnet/program

Decision: rate · score 0.431 · premium -8.9%
Human review: none
Adverse to consumer: False
Notice: not recorded · reasons: False · specific: False · external data disclosed: False
Appeal channel: –
Consumer token: tok_851da5b96c