Regulatory Assessment

BB-RNW-0304 PASS

TX · auto · renewal · decided 2026-10-27 17:36 UTC · Bluebonnet Mutual Insurance Company (fictional)

On 2026-10-27, price-opt v7.2 (an internally developed system) produced 'rate' in a TX auto renewal transaction. Inputs included telematics, credit, geography, vehicle, claims history. No human reviewed the output before it took effect. The outcome was not adverse to the consumer. RegBench applied 11 rule(s) in force on 2026-10-27 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. 6 state-specific and 2 general black-letter rule(s) applied to this TX auto renewal transaction. Only the configured checks were run; a result is not a legal opinion on compliance. 11 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 2026-10-27 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: 2026-10-27
Rules version: 2026.10+c4982313
Corpus snapshot: 2026-10-30-9c5dad5a
Engine: regbench-engine/0.5.0 · deterministic-1
Fingerprint: 4549b9d8bea70b2c87ef4b04 (pattern grouping, not an integrity check)
Input digest: bdeacc85ab7e38b4e02a3643d68b58a73b19f88e24b5423c7953e55d7f46e87c
Evaluated: 2026-10-31 05:42:53 UTC
Exhibit C case file: yes

Ledger

Entry: #5807 · assessment · recorded 2026-10-27T17:39:32+00:00
Hash: 9912633ad2f00effaf2271081dc62c06171a3a2334e67fb94a38abfe273018b3
Previous: 2841c82ff444b41c865bd9c644a68055e791134e22a03bc5c2418d2f4f08dd23
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: price-opt v7.2 · internal · high-risk class: pricing
Governance attested: True
Testing report: test://bluebonnet/price-opt/2026Q2
Model documentation: doc://bluebonnet/price-opt/7.2
Feature classes: telematics, credit, geography, vehicle, claims_history
Protected factors used: none
External data (ECDIS): False
Consumer report / credit: False / True
Data sources: cra://demo-bureau/score, telematics://bluebonnet/program

Decision: rate · score 0.237 · premium +8.6%
Human review: none
Adverse to consumer: False
Notice: not recorded · reasons: False · specific: False · external data disclosed: False
Appeal channel: –
Consumer token: tok_b3d912f298