Regulatory Assessment

BB-RNW-0242 PASS

CO · auto · renewal · decided 2026-10-14 02:01 UTC · Bluebonnet Mutual Insurance Company (fictional)

On 2026-10-14, price-opt v7.2 (an internally developed system) produced 'rate' in a CO auto renewal transaction. Inputs included telematics, credit, geography, vehicle, claims history. External consumer data and information sources were present. No human reviewed the output before it took effect. The outcome was not adverse to the consumer. RegBench applied 10 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. 4 state-specific and 2 general black-letter rule(s) applied to this CO auto renewal transaction. Only the configured checks were run; a result is not a legal opinion on compliance. 10 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, inputs.data_source_refs.

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: 38d9cb3b62ddfc4b0de86a70 (pattern grouping, not an integrity check)
Input digest: 0964a76e23523d14c6b1e14dc43d1c6c9d06bfc8c30b6f9b4e5c355d7ec0e432
Evaluated: 2026-10-31 05:42:53 UTC
Exhibit C case file: yes

Ledger

Entry: #5745 · assessment · recorded 2026-10-14T02:02:28+00:00
Hash: f51324f5063819c1a088e3acf94da9417d3a62c22dfe94d625301a2698ebe682
Previous: 9735d1a43f31c4d347a177765ba23b878214d9c0699852320689dcb4fc795e7d
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): True
Consumer report / credit: False / True
Data sources: cra://demo-bureau/score, telematics://bluebonnet/program

Decision: rate · score 0.723 · premium -9.8%
Human review: none
Adverse to consumer: False
Notice: not recorded · reasons: False · specific: False · external data disclosed: False
Appeal channel: –
Consumer token: tok_5b3c3ccd8b