Regulatory Assessment

SR-ACC-0795 PASS

CO · life · underwriting · decided 2026-09-07 23:35 UTC · Summit Range Life Assurance Company (fictional)

On 2026-09-07, uw-accelerate v4.0 (an internally developed system) produced 'decline' in a CO life underwriting transaction. Inputs included application data, medical records. A human reviewed the output by a underwriter. The outcome was adverse to the consumer; a notice was sent on 2026-09-12 with specific reasons. RegBench applied 10 rule(s) in force on 2026-09-07 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. 4 state-specific and 2 general black-letter rule(s) applied to this CO 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 2026-09-07 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: 2026-09-07
Rules version: 2026.10+c4982313
Corpus snapshot: 2026-10-30-9c5dad5a
Engine: regbench-engine/0.5.0 · deterministic-1
Fingerprint: 37e23a38514d1e860deac77d (pattern grouping, not an integrity check)
Input digest: 7f30bcf86081ef4d78ed7fa458ef89bc3d4f1e96e7045bfc4983cb90eb053715
Evaluated: 2026-10-31 05:42:55 UTC
Exhibit C case file: yes

Ledger

Entry: #6298 · assessment · recorded 2026-09-07T23:38:28+00:00
Hash: 2dd35e3f9392cb7787a8569d5956893d909d12d5128775d255676aa3731a830d
Previous: 1f8793c6a1b276539a58fbe2cad04dd0d438e40aa6416c76247229f66bbf88b1
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: decline · score 0.917
Human review: yes (underwriter)
Adverse to consumer: True
Notice: sent 2026-09-12 · reasons: True · specific: True · external data disclosed: False
Appeal channel: –
Consumer token: tok_4e614e8685