Regulatory Assessment

SR-ACC-0815 PASS

CT · life · underwriting · decided 2026-09-11 03:23 UTC · Summit Range Life Assurance Company (fictional)

On 2026-09-11, uw-accelerate v4.0 (an internally developed system) produced 'approve' in a CT life underwriting transaction. Inputs included application data, medical records. No human reviewed the output before it took effect. The outcome was not adverse to the consumer. RegBench applied 8 rule(s) in force on 2026-09-11 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. 3 state-specific and 2 general black-letter rule(s) applied to this CT life underwriting transaction. Only the configured checks were run; a result is not a legal opinion on compliance. 8 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 2026-09-11 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: 2026-09-11
Rules version: 2026.10+c4982313
Corpus snapshot: 2026-10-30-9c5dad5a
Engine: regbench-engine/0.5.0 · deterministic-1
Fingerprint: e38646a3b055e6a64be2d84b (pattern grouping, not an integrity check)
Input digest: 703a64e5b13b0ad5afeca94292811c9969fbb9c3cf3c601767da7e0de2d3ae87
Evaluated: 2026-10-31 05:42:55 UTC
Exhibit C case file: yes

Ledger

Entry: #6318 · assessment · recorded 2026-09-11T03:26:03+00:00
Hash: d3be75da567711d68d6bc139bc4dc3a29e190f628a8db744e81c349d0a69ae8d
Previous: 50849921727ff5b1edd08d4dcf261065f630536a6e2e50466444b4e30800b41e
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: approve · score 0.283
Human review: none
Adverse to consumer: False
Notice: not recorded · reasons: False · specific: False · external data disclosed: False
Appeal channel: –
Consumer token: tok_f932b69b0d