Regulatory Assessment
BB-RNW-0301 PASS
TX · auto · renewal · decided 2026-10-27 09:17 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. A human reviewed the output by a underwriter. The outcome was not adverse to the consumer. RegBench applied 11 rule(s) in force on 2026-10-27 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.
Findings (0)
No finding under the rules in force on 2026-10-27 for this state, line and stage. The case file is recorded all the same.
Point in time
- Law as of
- 2026-10-27
- Rules version
- 2026.10+dbe5ddf6
- Corpus snapshot
- 2026-10-30-5f07c521
- Engine
- regbench-engine/0.4.0 · deterministic-1
- Fingerprint
- b40fbfc19014154a947172d8
- Evaluated
- 2026-10-30 11:23:23 UTC
- Exhibit C case file
- yes
Ledger
- Entry
- #301 · assessment · recorded 2026-10-27T09:18:29+00:00
- Hash
- a68a9338f5050f0bd8b3b8de992d738c0576ed8c6558c8d76a1117470ac58689
- Previous
- 117c6e195d92f81e25d55de9c942316b3cf988dc844c2b6731090418dbf597bc
- Stored copy intact
- yes, hashes match
Carrier review
No review item: the disposition was PASS.
Recorded facts
- 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 0.394 · premium +6.5%
- Human review
- yes (underwriter)
- Adverse to consumer
- False
- Notice
- not recorded · reasons: False · specific: False · external data disclosed: False
- Appeal channel
- –
- Consumer token
- tok_ff2f7501c6