Regulatory Assessment

BB-UW-0137 PASS

TX · auto · underwriting · decided 2026-10-25 22:13 UTC · Bluebonnet Mutual Insurance Company (fictional)

On 2026-10-25, uw-triage v2.4 (an internally developed system) produced 'approve' in a TX auto underwriting transaction. Inputs included application data, claims history, consumer report, credit, geography. A consumer report was used. 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 2026-10-25 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 2026-10-25 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: 2026-10-25
Rules version: 2026.10+c4982313
Corpus snapshot: 2026-10-30-9c5dad5a
Engine: regbench-engine/0.5.0 · deterministic-1
Fingerprint: 4c8b493dbb5995ccf03f1034 (pattern grouping, not an integrity check)
Input digest: b8d84f67428d745b6dfe9f04c79f464aebd5bbfbaeb75ea83d372bcd9a3e6d39
Evaluated: 2026-10-31 05:42:52 UTC
Exhibit C case file: yes

Ledger

Entry: #5640 · assessment · recorded 2026-10-25T22:17:25+00:00
Hash: 1340b9c125f5616d5b3f6aa1478a6513cf5fab0289b9662d273042c1ac0459cc
Previous: 5999ccb895c645f57413e7bc197bae4b56428e919633ad2a9d0879befbe52f9c
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: approve · score 0.224
Human review: none
Adverse to consumer: False
Notice: not recorded · reasons: False · specific: False · external data disclosed: False
Appeal channel: –
Consumer token: tok_2d4d32a879