Regulatory Assessment

SR-ACC-0786 PASS

TX · life · underwriting · decided 2026-09-03 21:36 UTC · Summit Range Life Assurance Company (fictional)

On 2026-09-03, uw-accelerate v4.0 (an internally developed system) produced 'approve' in a TX life underwriting transaction. Inputs included application data, medical records. 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 2026-09-03 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 (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 2026-09-03 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: 2026-09-03
Rules version: 2026.10+c4982313
Corpus snapshot: 2026-10-30-9c5dad5a
Engine: regbench-engine/0.5.0 · deterministic-1
Fingerprint: 56d1d5f057e068038bf535c2 (pattern grouping, not an integrity check)
Input digest: 75b6bdf7329faba7f3fe1ef72d57c5ab99fac1026dfb2d646ae5b5a98370874c
Evaluated: 2026-10-31 05:42:55 UTC
Exhibit C case file: yes

Ledger

Entry: #6289 · assessment · recorded 2026-09-03T21:39:37+00:00
Hash: 7b25b37f8ecb8538ae54b721aa6f58b51dadb6158d889f828fc2fd5079af6141
Previous: 5cac1c14088bdfe2f6355c3a85d9804525af19d0537f2b51d8ca4a355c376cd5
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-accelerate v4.0 · internal · high-risk class: underwriting
Governance attested: True
Testing report: test://summitrange/uw-accelerate/2026Q1
Model documentation: doc://summitrange/uw-accelerate/4.0
Feature classes: application_data, medical_records
Protected factors used: none
External data (ECDIS): False
Consumer report / credit: False / False
Data sources: aps://summitrange/physician-statements

Decision: approve · score 0.125
Human review: none
Adverse to consumer: False
Notice: not recorded · reasons: False · specific: False · external data disclosed: False
Appeal channel: –
Consumer token: tok_e6001ea530