Regulatory Assessment

SR-UW-0599 PASS

TX · life · rating · decided 2026-10-14 03:22 UTC · Summit Range Life Assurance Company (fictional)

On 2026-10-14, rx-score v3 (a third-party system from RxData Labs (fictional)) produced 'decline' in a TX life rating transaction. Inputs included rx history, credit, consumer report, application data. A consumer report was used. A human reviewed the output by a underwriter. The outcome was adverse to the consumer; a notice was sent on 2026-10-18 with specific reasons. RegBench applied 9 rule(s) in force on 2026-10-14 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. 5 state-specific and 2 general black-letter rule(s) applied to this TX life rating transaction. Only the configured checks were run; a result is not a legal opinion on compliance. 9 of 30 rules applied.

Evidence (missing). Missing evidence: ai_system.governance_attested, ai_system.model_doc_ref, ai_system.testing_report_ref. Supplied but unverified: inputs.data_source_refs.

Findings (0)

No configured check fired under the rules in force on 2026-10-14 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: 2026-10-14
Rules version: 2026.10+c4982313
Corpus snapshot: 2026-10-30-9c5dad5a
Engine: regbench-engine/0.5.0 · deterministic-1
Fingerprint: 80860edd99e9a827f20d2c4c (pattern grouping, not an integrity check)
Input digest: 121355113b3ff039a985bb444d01a1de3c2cdf24eac01b5a1b8e74aa11974a18
Evaluated: 2026-10-31 05:42:54 UTC
Exhibit C case file: yes

Ledger

Entry: #6102 · assessment · recorded 2026-10-14T03:23:27+00:00
Hash: 123e55a79ca9cb2566b0c16b6494011079669b745487af6f7d6229305a7b1319
Previous: 037e957d271d70d8f68a5d15d46c6a8f69fdc4cc602d6a4c498b25c6f75b6026
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: rx-score v3 · third party (RxData Labs (fictional)) · high-risk class: underwriting
Governance attested: False
Testing report: none recorded
Model documentation: none recorded
Feature classes: rx_history, credit, consumer_report, application_data
Protected factors used: none
External data (ECDIS): False
Consumer report / credit: True / True
Data sources: vendor://rxdata/score, cra://demo-bureau/attributes

Decision: decline · score 0.93 · codes RX4, CR2
Human review: yes (underwriter)
Adverse to consumer: True
Notice: sent 2026-10-18 · reasons: True · specific: True · external data disclosed: False
Appeal channel: –
Consumer token: tok_f92e220a36