Regulatory Assessment
TX-UW-0311 PASS
TX · auto · underwriting · decided 2026-10-15 15:00 UTC · Bluebonnet Mutual Insurance Company (fictional)
On 2026-10-15, 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. A consumer report was used. A human reviewed the output by a underwriter. The outcome was not adverse to the consumer. RegBench applied 11 rule(s) in force on 2026-10-15 and recorded no findings.
PASS: 0 finding(s) under rules 2026.10+dbe5ddf6, corpus 2026-10-30-5f07c521. No regulatory finding; the case file is recorded.
Carrier note (data, never evaluated): Standard new-business approval with a consumer report and underwriter sign-off.
Findings (0)
No finding under the rules in force on 2026-10-15 for this state, line and stage. The case file is recorded all the same.
Point in time
- Law as of
- 2026-10-15
- Rules version
- 2026.10+dbe5ddf6
- Corpus snapshot
- 2026-10-30-5f07c521
- Engine
- regbench-engine/0.4.0 · deterministic-1
- Fingerprint
- f63f87a4e8ca9237edf5ba00
- Evaluated
- 2026-10-30 11:23:25 UTC
- Exhibit C case file
- yes
Ledger
- Entry
- #1126 · assessment · recorded 2026-10-15T15:01:48+00:00
- Hash
- d66a8c916be6b32ef077524a3996446f4fec69c3e554652db5876341e838de18
- Previous
- 852d7d9347da922a27f5afce10ff456ee67fe02425498f4426a8456d1b223d44
- Stored copy intact
- yes, hashes match
Carrier review
No review item: the disposition was PASS.
Recorded facts
- 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
- Protected factors used
- none
- External data (ECDIS)
- False
- Consumer report / credit
- True / True
- Data sources
- cra://demo-bureau/report
- Decision
- approve · score 0.21
- Human review
- yes (underwriter)
- Adverse to consumer
- False
- Notice
- not recorded · reasons: False · specific: False · external data disclosed: False
- Appeal channel
- –
- Consumer token
- tok_showcase_0311