Regulatory Assessment
SR-UW-0599 PASS
TX · life · rating · decided 2026-10-14 03:22 UTC · Summit Range Life Assurance Company (fictional)
On 2026-10-14, rx-score v3 (a third-party system from RxData Labs (fictional)) produced 'decline' in a TX life rating transaction. Inputs included rx history, credit, consumer report, application data. A consumer report was used. A human reviewed the output by a underwriter. The outcome was adverse to the consumer; a notice was sent on 2026-10-18 with specific reasons. RegBench applied 9 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
- 179725097143fd882e23fada
- Evaluated
- 2026-10-30 11:23:24 UTC
- Exhibit C case file
- yes
Ledger
- Entry
- #599 · assessment · recorded 2026-10-14T03:23:27+00:00
- Hash
- 44db3f32fb23189c44a6e70ae06e06a9681e489f0c9f817d11fd525810a43514
- Previous
- 2751a3052de495da6232f0e3637a09e276ae01f56ce3ff5f99af8e97921f1c86
- Stored copy intact
- yes, hashes match
Carrier review
No review item: the disposition was PASS.
Recorded facts
- AI system
- rx-score v3 · third party (RxData Labs (fictional)) · high-risk class: underwriting
- Governance attested
- False
- Testing report
- none recorded
- Model documentation
- none recorded
- Feature classes
- rx_history, credit, consumer_report, application_data
- Protected factors used
- none
- External data (ECDIS)
- False
- Consumer report / credit
- True / True
- Data sources
- vendor://rxdata/score, cra://demo-bureau/attributes
- Decision
- decline · score 0.93 · codes RX4, CR2
- Human review
- yes (underwriter)
- Adverse to consumer
- True
- Notice
- sent 2026-10-18 · reasons: True · specific: True · external data disclosed: False
- Appeal channel
- –
- Consumer token
- tok_f92e220a36