Regulatory Assessment

SR-UW-0646 PASS

TX · life · underwriting · decided 2026-09-13 16:52 UTC · Summit Range Life Assurance Company (fictional)

On 2026-09-13, 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 2026-09-13 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 2026-09-13 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: 2026-09-13
Rules version: 2026.10+c4982313
Corpus snapshot: 2026-10-30-9c5dad5a
Engine: regbench-engine/0.5.0 · deterministic-1
Fingerprint: 5ab2317207857362ca7aa07d (pattern grouping, not an integrity check)
Input digest: b5f747c0b75a5536a99dfe3e80a94f03f987197e813e4bbf1a0c88f5c66b5edc
Evaluated: 2026-10-31 05:42:54 UTC
Exhibit C case file: yes

Ledger

Entry: #6149 · assessment · recorded 2026-09-13T16:56:25+00:00
Hash: 21e5ba46e727becb07271f3864f38b7ddd9b03e27444067ac19e702b965447cf
Previous: 093b8ee425476d18a52574afcb622c6a0a99d7ec9a763717ac339cd37d4b2931
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 0.097
Human review: yes (underwriter)
Adverse to consumer: False
Notice: not recorded · reasons: False · specific: False · external data disclosed: False
Appeal channel: –
Consumer token: tok_c1292c5c95