Regulatory Assessment

SR-UW-0639 PASS

TX · life · underwriting · decided 2026-10-20 10:00 UTC · Summit Range Life Assurance Company (fictional)

On 2026-10-20, rx-score v3 (a third-party system from RxData Labs (fictional)) produced 'approve' in a TX life underwriting 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 not adverse to the consumer. RegBench applied 10 rule(s) in force on 2026-10-20 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. 5 state-specific and 2 general black-letter rule(s) applied to this TX life underwriting transaction. Only the configured checks were run; a result is not a legal opinion on compliance. 10 of 30 rules applied.

Evidence (missing). Missing evidence: ai_system.governance_attested, ai_system.model_doc_ref, ai_system.testing_report_ref. Supplied but unverified: inputs.data_source_refs.

Findings (0)

No configured check fired under the rules in force on 2026-10-20 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: 2026-10-20
Rules version: 2026.10+c4982313
Corpus snapshot: 2026-10-30-9c5dad5a
Engine: regbench-engine/0.5.0 · deterministic-1
Fingerprint: 115b0c12dd779e8b67ef4c52 (pattern grouping, not an integrity check)
Input digest: 0cb7e3896c139e3b3cc1f8552e2a6e2fd4226aff2f95f7cfb9f913577fa01a3d
Evaluated: 2026-10-31 05:42:54 UTC
Exhibit C case file: yes

Ledger

Entry: #6142 · assessment · recorded 2026-10-20T10:03:17+00:00
Hash: 4f9628b7517a6ce6da03e7755b8a100981b80db60b8241c344cf460718ae39c7
Previous: e66202b3ef1eeaf8574fc64bbec7ab629ac6ed73713abf5ab6f9e81e5e144fc6
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: 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: approve · score 0.232
Human review: yes (underwriter)
Adverse to consumer: False
Notice: not recorded · reasons: False · specific: False · external data disclosed: False
Appeal channel: –
Consumer token: tok_5ce27eb54b