Regulatory Assessment

BB-RNW-0300 PASS

TX · auto · renewal · decided 2026-10-21 10:27 UTC · Bluebonnet Mutual Insurance Company (fictional)

On 2026-10-21, 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 2026-10-21 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 2026-10-21 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: 2026-10-21
Rules version: 2026.10+c4982313
Corpus snapshot: 2026-10-30-9c5dad5a
Engine: regbench-engine/0.5.0 · deterministic-1
Fingerprint: d6bf0c56480983f77f5cb7af (pattern grouping, not an integrity check)
Input digest: 85d286705081f2aff8d0f727ec386692837a0ad64b753f60363b5a082aac963f
Evaluated: 2026-10-31 05:42:53 UTC
Exhibit C case file: yes

Ledger

Entry: #5803 · assessment · recorded 2026-10-21T10:28:51+00:00
Hash: 96b2559792baf7c6f53f690064aa857d8844fbdb475ef42c748b9164509f09ad
Previous: af4f6838705bf2754ba5998600cb732d26b4808e9dee032d4644966a8a206862
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 0.226 · premium +7.1%
Human review: yes (underwriter)
Adverse to consumer: False
Notice: not recorded · reasons: False · specific: False · external data disclosed: False
Appeal channel: –
Consumer token: tok_89238c5d30