Regulatory Assessment
BB-RNW-0174 PASS
TX · auto · renewal · decided 2026-07-27 15:23 UTC · Bluebonnet Mutual Insurance Company (fictional)
On 2026-07-27, 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 2026-07-27 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 2026-07-27 for this state, line and stage. The case file is recorded all the same.
Point in time
- Law as of
- 2026-07-27
- Rules version
- 2026.10+dbe5ddf6
- Corpus snapshot
- 2026-10-30-5f07c521
- Engine
- regbench-engine/0.4.0 · deterministic-1
- Fingerprint
- 983daae17a44f794300131c5
- Evaluated
- 2026-10-30 11:23:22 UTC
- Exhibit C case file
- yes
Ledger
- Entry
- #174 · assessment · recorded 2026-07-27T15:24:39+00:00
- Hash
- 070c804d27e15500d6a4a68e665a6dc8a57b209f9324e774d3eee4555a681809
- Previous
- d87ef0f80fdae3fc8917a9381b96df3d416d6111febdd635110e13370f867a82
- 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 0.282 · premium +3.5%
- Human review
- none
- Adverse to consumer
- False
- Notice
- not recorded · reasons: False · specific: False · external data disclosed: False
- Appeal channel
- –
- Consumer token
- tok_a699e61a18