RegBench
Exam pack · NAIC AI Risk Evaluation Supplement v6.0 (exposure draft, 16 Oct 2026); v7.0 pending adoption vote, Fall National Meeting

Bluebonnet Mutual Insurance Company (fictional)

NAIC code DEMO-10101 · period 2026-07-02 to 2026-10-31 · all states · built 2026-10-30 11:45
Pack identifier
pack_e4072ef8b88d
Pack hash (on ledger #1375)
c56fad6b39de203033bd60e843014f878c2cefc5e1ac9c22ef9f6c754297a454
Engine
regbench-engine/0.4.0 · rules 2026.10+dbe5ddf6 · corpus 2026-10-30-5f07c521
Totals
577 assessments · 547 case files · 4 high-risk models
Confidentiality
Produced for the requesting state's examination or inquiry; to be held confidential under that state's authority. The carrier may assert trade-secret protection over model documentation it attaches.

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Exhibit A · use of AI Exhibit B · AIS Program Exhibit C · high-risk models Exhibit D · model data RegBench disclosure Ledger

Exhibit C: High-Risk AI Models

Prepared by: RegBench (evidence assembly); carrier compliance function (responses) · Reviewed by: carrier to supply

claims-fastpath

1 name version claims-fastpath — versions observed: 1.0 (not in declared inventory)
2 use cases Observed only. Stages: {'claims': 109}; decisions in period: 109; adverse: 10; states: {'TX': 82, 'CO': 27}.
3 model type unknown (not declared)
3a agentic
agentic: False
objectives: None
authorizations without human approval: None
4 implementation date 2026-07-02
5 development
vendor: internal
vendor name: None
6 purchased modifiable
purchased: None
developed for company: None
modifiable: None
7 model risks Potential adverse consumer impact evidenced by findings on the model's decisions in the period. Adverse decisions: 10; dispositions {'PASS': 102, 'FLAG': 3, 'HOLD': 4}.
  • medium Adverse outcome from a high-risk AI system with no human review L6 × 6
  • high Algorithmic denial, reduction or fraud hold with no human review L2 × 5
  • high Consequential AI-supported decision taken without a person reviewing and agreeing L4 × 5
  • high Claim rejected or reduced without stated reasons L2 × 4
8 limitations
carrier documentation: no model documentation reference recorded on the decision stream
regbench note: RegBench assesses recorded facts about each decision; it does not inspect model internals or detect inputs outside the training domain.
9 automate augment support
declared: None
observed human review pct: 3.7
10 testing validation
testing report ref on decisions: ['none recorded']
regbench continuous assessment: 109 of 109 decisions assessed at decision time against the rules in force on each decision date.
10a proxy evaluation
claims-fastpath v1.0 · reference group A · Adverse-outcome rate by carrier-estimated demographic proxy group; reference group = largest group; adverse impact ratio = group rate / reference rate (flag below 0.80); marginal difference in percentage points (flag at 5.0 or more). Cells under 30 decisions are suppressed. Illustrative thresholds.
GroupDecisionsAdverseAdverse rate
A6469.4%
suppressed (fewer than 30 decisions): D, B, C
no threshold exceeded
carrier environment (proxy labels never leave it); only these aggregates are released
11 last test date
carrier: see testing report reference
regbench last assessment: 2026-10-27T00:30:39+00:00
12 financial statement effect unknown
13 legal compliance review
rules applied: ['doctrine.unreviewed-adverse-high-risk', 'tx.542.algorithmic-denial-without-human-review', 'tx.542.rejection-without-reasons', 'tx.tdi.consequential-decision-without-human-review']
provisions cited: ['naic-ai-bulletin-s3-1-ais-program', 'tx-ins-542-003', 'tx-ins-542-055', 'tx-ins-542-056', 'tx-tdi-b-0003-26-governance', 'tx-tdi-b-0003-26-human-review']
method: Deterministic rule evaluation per decision; citations resolve against the corpus snapshot in force on the decision date or the assessment fails closed.
14 regulatory actions None recorded in RegBench. Carrier to confirm any informal agreements, administrative complaints, consent orders or investigations.
Case files for this model (109)
TransactionDecidedStateStageDecisionAdverseHumanNoticeDispositionFindingsLaw as ofLedger
BB-CLM-05432026-07-02TXclaimspaynonePASS2026-07-02#543
BB-CLM-04582026-07-04COclaimspaynonePASS2026-07-04#458
BB-CLM-04922026-07-07TXclaimspaynonePASS2026-07-07#492
BB-CLM-04612026-07-07COclaimspaynonePASS2026-07-07#461
BB-CLM-04812026-07-08TXclaimspaynonePASS2026-07-08#481
BB-CLM-05002026-07-08COclaimspaynonePASS2026-07-08#500
BB-CLM-05452026-07-10TXclaimspaynonePASS2026-07-10#545
BB-CLM-05152026-07-11TXclaimsdenyyesnonenone, reasonsFLAGcritical tx.542.algorithmic-denial-without-human-review
high tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
2026-07-11#515
BB-CLM-04422026-07-12TXclaimspaynonePASS2026-07-12#442
BB-CLM-05242026-07-13TXclaimspaynonePASS2026-07-13#524
BB-CLM-05012026-07-13COclaimspaynonePASS2026-07-13#501
BB-CLM-04572026-07-14COclaimspaynonePASS2026-07-14#457
BB-CLM-05342026-07-14COclaimsdenyyesnonenoneFLAGmedium doctrine.unreviewed-adverse-high-risk
2026-07-14#534
BB-CLM-05072026-07-17TXclaimspaynonePASS2026-07-17#507
BB-CLM-05502026-07-18COclaimspaynonePASS2026-07-18#550
BB-CLM-05182026-07-19TXclaimspaynonePASS2026-07-19#518
BB-CLM-04452026-07-19TXclaimspaynonePASS2026-07-19#445
BB-CLM-04992026-07-20TXclaimspaynonePASS2026-07-20#499
BB-CLM-04682026-07-21COclaimspaynonePASS2026-07-21#468
BB-CLM-05192026-07-21TXclaimsdenyyesadjusternone, reasonsPASS2026-07-21#519
BB-CLM-04982026-07-22COclaimspaynonePASS2026-07-22#498
BB-CLM-04802026-07-23COclaimspaynonePASS2026-07-23#480
BB-CLM-05052026-07-23TXclaimspaynonePASS2026-07-23#505
BB-CLM-05102026-07-23TXclaimspaynonePASS2026-07-23#510
BB-CLM-04792026-07-25TXclaimspaynonePASS2026-07-25#479
BB-CLM-04522026-07-26COclaimspaynonePASS2026-07-26#452
BB-CLM-05112026-07-28TXclaimspaynonePASS2026-07-28#511
BB-CLM-05372026-07-29TXclaimspaynonePASS2026-07-29#537
BB-CLM-04712026-07-30COclaimspaynonePASS2026-07-30#471
BB-CLM-04592026-07-31TXclaimspaynonePASS2026-07-31#459
BB-CLM-04742026-07-31TXclaimspaynonePASS2026-07-31#474
BB-CLM-05412026-08-02TXclaimspaynonePASS2026-08-02#541
BB-CLM-04542026-08-02TXclaimspaynonePASS2026-08-02#454
BB-CLM-04412026-08-03COclaimspaynonePASS2026-08-03#441
BB-CLM-04702026-08-04TXclaimspaynonePASS2026-08-04#470
BB-CLM-04512026-08-06COclaimspaynonePASS2026-08-06#451
BB-CLM-04882026-08-06TXclaimspaynonePASS2026-08-06#488
BB-CLM-05082026-08-10TXclaimspaynonePASS2026-08-10#508
BB-CLM-04832026-08-10TXclaimspaynonePASS2026-08-10#483
BB-CLM-05042026-08-11COclaimspaynonePASS2026-08-11#504
BB-CLM-05122026-08-12TXclaimspaynonePASS2026-08-12#512
BB-CLM-05062026-08-13COclaimspaynonePASS2026-08-13#506
BB-CLM-04892026-08-15TXclaimspaynonePASS2026-08-15#489
BB-CLM-05322026-08-18TXclaimspaynonePASS2026-08-18#532
BB-CLM-04492026-08-18TXclaimspaynonePASS2026-08-18#449
BB-CLM-04962026-08-19TXclaimspaynonePASS2026-08-19#496
BB-CLM-04532026-08-21TXclaimspaynonePASS2026-08-21#453
BB-CLM-04442026-08-22TXclaimspaynonePASS2026-08-22#444
BB-CLM-05352026-08-22COclaimspaynonePASS2026-08-22#535
BB-CLM-04632026-08-25TXclaimspaynonePASS2026-08-25#463
BB-CLM-04942026-08-25TXclaimspaynonePASS2026-08-25#494
BB-CLM-05442026-08-26TXclaimspaynonePASS2026-08-26#544
BB-CLM-05252026-08-28TXclaimspaynonePASS2026-08-28#525
BB-CLM-05032026-08-31TXclaimspaynonePASS2026-08-31#503
BB-CLM-04782026-08-31TXclaimspaynonePASS2026-08-31#478
BB-CLM-04722026-09-03TXclaimspaynonePASS2026-09-03#472
BB-CLM-04602026-09-03TXclaimspartial payyesnonenoneHOLDhigh tx.542.algorithmic-denial-without-human-review
high tx.542.rejection-without-reasons
high tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
2026-09-03#460
BB-CLM-04912026-09-04TXclaimspaynonePASS2026-09-04#491
BB-CLM-04672026-09-05TXclaimspaynonePASS2026-09-05#467
BB-CLM-05222026-09-05TXclaimspartial payyesnonenone, reasonsFLAGhigh tx.542.algorithmic-denial-without-human-review
high tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
2026-09-05#522
BB-CLM-05292026-09-06TXclaimsdenyyesadjusternone, reasonsPASS2026-09-06#529
BB-CLM-04662026-09-06TXclaimspaynonePASS2026-09-06#466
BB-CLM-04762026-09-08TXclaimspartial payyesnonenoneHOLDhigh tx.542.algorithmic-denial-without-human-review
high tx.542.rejection-without-reasons
high tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
2026-09-08#476
BB-CLM-05312026-09-09TXclaimspaynonePASS2026-09-09#531
BB-CLM-04752026-09-11TXclaimspaynonePASS2026-09-11#475
BB-CLM-04432026-09-11TXclaimspaynonePASS2026-09-11#443
BB-CLM-05022026-09-11COclaimspaynonePASS2026-09-11#502
BB-CLM-05092026-09-11TXclaimspaynonePASS2026-09-11#509
BB-CLM-05262026-09-13TXclaimspaynonePASS2026-09-13#526
BB-CLM-04822026-09-15TXclaimspaynonePASS2026-09-15#482
BB-CLM-05202026-09-15COclaimspaynonePASS2026-09-15#520
BB-CLM-05272026-09-18COclaimspaynonePASS2026-09-18#527
BB-CLM-04862026-09-18TXclaimspaynonePASS2026-09-18#486
BB-CLM-04932026-09-21TXclaimspaynonePASS2026-09-21#493
BB-CLM-04622026-09-22COclaimspaynonePASS2026-09-22#462
BB-CLM-05212026-09-24COclaimspaynonePASS2026-09-24#521
BB-CLM-04502026-09-25TXclaimspaynonePASS2026-09-25#450
BB-CLM-05402026-09-27TXclaimspaynonePASS2026-09-27#540
BB-CLM-04852026-09-29TXclaimspaynonePASS2026-09-29#485
BB-CLM-04562026-09-29TXclaimspaynonePASS2026-09-29#456
BB-CLM-04482026-09-30TXclaimspaynonePASS2026-09-30#448
BB-CLM-05482026-09-30TXclaimspaynonePASS2026-09-30#548
BB-CLM-05172026-10-02TXclaimspaynonePASS2026-10-02#517
BB-CLM-04842026-10-06TXclaimspaynonePASS2026-10-06#484
BB-CLM-05382026-10-07COclaimspartial payyesadjusternonePASS2026-10-07#538
BB-CLM-04692026-10-07TXclaimspaynonePASS2026-10-07#469
BB-CLM-04952026-10-07TXclaimspaynonePASS2026-10-07#495
BB-CLM-04652026-10-09TXclaimspartial payyesnonenoneHOLDhigh tx.542.algorithmic-denial-without-human-review
high tx.542.rejection-without-reasons
high tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
2026-10-09#465
BB-CLM-05392026-10-09TXclaimspaynonePASS2026-10-09#539
BB-CLM-05162026-10-11TXclaimspartial payyesadjusternoneHOLDhigh tx.542.rejection-without-reasons
2026-10-11#516
BB-CLM-05422026-10-12TXclaimspaynonePASS2026-10-12#542
BB-CLM-05232026-10-12COclaimspaynonePASS2026-10-12#523
BB-CLM-05362026-10-13TXclaimspaynonePASS2026-10-13#536
BB-CLM-04902026-10-14TXclaimspaynonePASS2026-10-14#490
BB-CLM-05142026-10-15TXclaimspaynonePASS2026-10-15#514
BB-CLM-05132026-10-18COclaimspaynonePASS2026-10-18#513
BB-CLM-05462026-10-19COclaimspaynonePASS2026-10-19#546
BB-CLM-04642026-10-20TXclaimspaynonePASS2026-10-20#464
BB-CLM-04772026-10-21TXclaimspaynonePASS2026-10-21#477
BB-CLM-04872026-10-21TXclaimspaynonePASS2026-10-21#487
BB-CLM-04552026-10-22TXclaimspaynonePASS2026-10-22#455
BB-CLM-05332026-10-22TXclaimspaynonePASS2026-10-22#533
BB-CLM-05472026-10-22TXclaimspaynonePASS2026-10-22#547
BB-CLM-04972026-10-23TXclaimspaynonePASS2026-10-23#497
BB-CLM-05282026-10-23TXclaimspaynonePASS2026-10-23#528
BB-CLM-04732026-10-23TXclaimspaynonePASS2026-10-23#473
BB-CLM-05302026-10-25TXclaimspaynonePASS2026-10-25#530
BB-CLM-04472026-10-26COclaimspaynonePASS2026-10-26#447
BB-CLM-04462026-10-27TXclaimspaynonePASS2026-10-27#446

fnol-fraud

1 name version Sentinel FNOL Fraud Score — versions observed: 3.1 (declared 3.1)
2 use cases Vendor model scoring first notice of loss for fraud indicators; high scores route to SIU and can hold payment. Stages: {'fraud': 118, 'claims': 2}; decisions in period: 120; adverse: 6; states: {'CO': 36, 'TX': 84}.
3 model type vendor ML ensemble
3a agentic
agentic: False
objectives: None
authorizations without human approval: None
4 implementation date 2025-06-10
5 development
vendor: third_party
vendor name: Sentinel Analytics (fictional)
6 purchased modifiable
purchased: True
developed for company: False
modifiable: False
7 model risks Potential adverse consumer impact evidenced by findings on the model's decisions in the period. Adverse decisions: 6; dispositions {'PASS': 116, 'FLAG': 2, 'HOLD': 2}.
  • critical Algorithmic denial, reduction or fraud hold with no human review L2 × 4
  • high Consequential AI-supported decision taken without a person reviewing and agreeing L4 × 4
  • medium Adverse outcome from a high-risk AI system with no human review L6 × 4
  • high Claim rejected or reduced without stated reasons L2 × 2
8 limitations
carrier documentation: no model documentation reference recorded on the decision stream
regbench note: RegBench assesses recorded facts about each decision; it does not inspect model internals or detect inputs outside the training domain.
9 automate augment support
declared: automate
observed human review pct: 1.7
10 testing validation
testing report ref on decisions: ['none recorded']
regbench continuous assessment: 120 of 120 decisions assessed at decision time against the rules in force on each decision date.
10a proxy evaluation
fnol-fraud v3.1 · reference group A · Adverse-outcome rate by carrier-estimated demographic proxy group; reference group = largest group; adverse impact ratio = group rate / reference rate (flag below 0.80); marginal difference in percentage points (flag at 5.0 or more). Cells under 30 decisions are suppressed. Illustrative thresholds.
GroupDecisionsAdverseAdverse rate
A6922.9%
B31412.9%
suppressed (fewer than 30 decisions): D, C
Group B versus A: adverse rate 10.0 points above reference (ratio 0.897, difference 10.0 points)
carrier environment (proxy labels never leave it); only these aggregates are released
11 last test date
carrier: see testing report reference
regbench last assessment: 2026-10-22T18:54:58+00:00
12 financial statement effect moderate
13 legal compliance review
rules applied: ['doctrine.unreviewed-adverse-high-risk', 'tx.542.algorithmic-denial-without-human-review', 'tx.542.rejection-without-reasons', 'tx.tdi.consequential-decision-without-human-review']
provisions cited: ['naic-ai-bulletin-s3-1-ais-program', 'tx-ins-542-003', 'tx-ins-542-055', 'tx-ins-542-056', 'tx-tdi-b-0003-26-governance', 'tx-tdi-b-0003-26-human-review']
method: Deterministic rule evaluation per decision; citations resolve against the corpus snapshot in force on the decision date or the assessment fails closed.
14 regulatory actions None recorded in RegBench. Carrier to confirm any informal agreements, administrative complaints, consent orders or investigations.
Case files for this model (120)
TransactionDecidedStateStageDecisionAdverseHumanNoticeDispositionFindingsLaw as ofLedger
BB-FRD-03962026-07-02COfraudpaynonePASS2026-07-02#396
BB-FRD-04052026-07-02TXfraudpaynonePASS2026-07-02#405
BB-FRD-04012026-07-03TXfraudpaynonePASS2026-07-03#401
BB-FRD-04262026-07-06TXfraudpaynonePASS2026-07-06#426
BB-FRD-03232026-07-08TXfraudpaynonePASS2026-07-08#323
BB-FRD-04032026-07-09COfraudpaynonePASS2026-07-09#403
BB-FRD-03332026-07-09TXfraudpaynonePASS2026-07-09#333
BB-FRD-04222026-07-09COfraudpaynonePASS2026-07-09#422
BB-FRD-03412026-07-10COfraudpaynonePASS2026-07-10#341
BB-FRD-03862026-07-11TXfraudpaynonePASS2026-07-11#386
BB-FRD-03752026-07-11TXfraudpaynonePASS2026-07-11#375
BB-FRD-04022026-07-11TXfraudpaynonePASS2026-07-11#402
BB-FRD-03242026-07-12TXfraudpaynonePASS2026-07-12#324
BB-FRD-04272026-07-13TXfraudflagyesadjusternonePASS2026-07-13#427
BB-FRD-03882026-07-15COfraudpaynonePASS2026-07-15#388
BB-FRD-03262026-07-15COfraudpaynonePASS2026-07-15#326
BB-FRD-03822026-07-15TXfraudpaynonePASS2026-07-15#382
BB-FRD-04062026-07-16TXfraudpaynonePASS2026-07-16#406
BB-FRD-03922026-07-17COfraudpaynonePASS2026-07-17#392
BB-FRD-03472026-07-19TXfraudpaynonePASS2026-07-19#347
BB-FRD-03782026-07-20TXfraudpaynonePASS2026-07-20#378
BB-FRD-03652026-07-20TXfraudpaynonePASS2026-07-20#365
BB-FRD-04132026-07-20TXfraudpaynonePASS2026-07-20#413
BB-FRD-03352026-07-21COfraudpaynonePASS2026-07-21#335
BB-FRD-03432026-07-21COfraudpaynonePASS2026-07-21#343
BB-FRD-03902026-07-21TXfraudpaynonePASS2026-07-21#390
BB-FRD-03292026-07-22COfraudpaynonePASS2026-07-22#329
BB-FRD-03992026-07-23COfraudpaynonePASS2026-07-23#399
BB-FRD-04202026-07-23COfraudpaynonePASS2026-07-23#420
BB-FRD-04382026-07-27COfraudpaynonePASS2026-07-27#438
BB-FRD-03342026-07-27COfraudpaynonePASS2026-07-27#334
BB-FRD-03702026-07-28TXfraudpaynonePASS2026-07-28#370
BB-FRD-03662026-07-30COfraudpaynonePASS2026-07-30#366
BB-FRD-03442026-07-31TXfraudpaynonePASS2026-07-31#344
BB-FRD-03912026-07-31TXfraudpaynonePASS2026-07-31#391
BB-FRD-03872026-08-01COfraudpaynonePASS2026-08-01#387
BB-FRD-03712026-08-01TXfraudpaynonePASS2026-08-01#371
BB-FRD-03672026-08-03TXfraudpaynonePASS2026-08-03#367
BB-FRD-03942026-08-03TXfraudpaynonePASS2026-08-03#394
BB-FRD-03392026-08-05TXfraudpaynonePASS2026-08-05#339
BB-FRD-04212026-08-06TXfraudpaynonePASS2026-08-06#421
BB-FRD-03982026-08-07COfraudpaynonePASS2026-08-07#398
BB-FRD-03532026-08-08TXfraudpaynonePASS2026-08-08#353
BB-FRD-04332026-08-08COfraudpaynonePASS2026-08-08#433
BB-FRD-04252026-08-08TXfraudpaynonePASS2026-08-08#425
BB-FRD-03772026-08-11COfraudpaynonePASS2026-08-11#377
BB-FRD-03622026-08-13TXfraudpaynonePASS2026-08-13#362
BB-FRD-03512026-08-14TXfraudflagyesadjusternonePASS2026-08-14#351
BB-FRD-03582026-08-15TXfraudflagyesnonenoneFLAGhigh tx.542.algorithmic-denial-without-human-review
high tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
2026-08-15#358
BB-FRD-03932026-08-16TXfraudpaynonePASS2026-08-16#393
BB-FRD-03402026-08-16TXfraudpaynonePASS2026-08-16#340
BB-FRD-03462026-08-17TXfraudpaynonePASS2026-08-17#346
BB-FRD-04302026-08-18TXfraudpaynonePASS2026-08-18#430
BB-FRD-03972026-08-19TXfraudpaynonePASS2026-08-19#397
BB-FRD-03792026-08-19TXfraudpaynonePASS2026-08-19#379
BB-FRD-03572026-08-20TXfraudpaynonePASS2026-08-20#357
BB-FRD-04112026-08-20TXfraudpaynonePASS2026-08-20#411
BB-FRD-03602026-08-21TXfraudpaynonePASS2026-08-21#360
BB-FRD-04092026-08-22TXfraudpaynonePASS2026-08-22#409
BB-FRD-03482026-08-22TXfraudpaynonePASS2026-08-22#348
BB-FRD-03682026-08-24COfraudpaynonePASS2026-08-24#368
BB-FRD-04102026-08-29COfraudpaynonePASS2026-08-29#410
BB-FRD-03732026-08-30COfraudpaynonePASS2026-08-30#373
BB-FRD-04172026-09-03TXfraudpaynonePASS2026-09-03#417
BB-FRD-03272026-09-05TXfraudpaynonePASS2026-09-05#327
BB-FRD-03802026-09-05TXfraudpaynonePASS2026-09-05#380
BB-FRD-04342026-09-06TXfraudpaynonePASS2026-09-06#434
BB-FRD-04042026-09-08TXfraudpaynonePASS2026-09-08#404
BB-FRD-03382026-09-08COfraudpaynonePASS2026-09-08#338
BB-FRD-04232026-09-10COfraudpaynonePASS2026-09-10#423
BB-FRD-03642026-09-10TXfraudpaynonePASS2026-09-10#364
BB-FRD-03212026-09-12TXfraudpaynonePASS2026-09-12#321
BB-FRD-04392026-09-14TXfraudpaynonePASS2026-09-14#439
BB-FRD-04072026-09-14TXfraudpaynonePASS2026-09-14#407
BB-FRD-03742026-09-15TXfraudflagyesnonenoneFLAGhigh tx.542.algorithmic-denial-without-human-review
high tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
2026-09-15#374
BB-FRD-04282026-09-16TXfraudpaynonePASS2026-09-16#428
BB-FRD-03522026-09-17TXfraudpaynonePASS2026-09-17#352
BB-FRD-03812026-09-17COfraudpaynonePASS2026-09-17#381
BB-FRD-04142026-09-17TXfraudpaynonePASS2026-09-17#414
BB-FRD-03362026-09-18TXfraudpaynonePASS2026-09-18#336
BB-FRD-04352026-09-19TXfraudpaynonePASS2026-09-19#435
BB-FRD-03892026-09-19COfraudpaynonePASS2026-09-19#389
BB-FRD-03502026-09-19TXfraudpaynonePASS2026-09-19#350
BB-FRD-03222026-09-19COfraudpaynonePASS2026-09-19#322
BB-FRD-03852026-09-20TXfraudpaynonePASS2026-09-20#385
BB-FRD-03302026-09-21TXfraudpaynonePASS2026-09-21#330
BB-FRD-03762026-09-24COfraudpaynonePASS2026-09-24#376
BB-FRD-04362026-09-24TXfraudpaynonePASS2026-09-24#436
BB-FRD-04292026-09-26COfraudpaynonePASS2026-09-26#429
BB-FRD-03552026-09-29TXfraudpaynonePASS2026-09-29#355
BB-FRD-04082026-09-29TXfraudpaynonePASS2026-09-29#408
BB-FRD-04192026-09-30COfraudpaynonePASS2026-09-30#419
BB-FRD-04182026-10-03TXfraudpaynonePASS2026-10-03#418
BB-FRD-04312026-10-04TXfraudpaynonePASS2026-10-04#431
BB-FRD-03252026-10-04TXfraudpaynonePASS2026-10-04#325
BB-FRD-03322026-10-04TXfraudpaynonePASS2026-10-04#332
BB-FRD-04122026-10-05TXfraudpaynonePASS2026-10-05#412
BB-FRD-04322026-10-05TXfraudpaynonePASS2026-10-05#432
BB-FRD-04242026-10-05TXfraudpaynonePASS2026-10-05#424
BB-FRD-03562026-10-06TXfraudpaynonePASS2026-10-06#356
BB-FRD-03282026-10-06TXfraudpaynonePASS2026-10-06#328
BB-FRD-03842026-10-07COfraudpaynonePASS2026-10-07#384
BB-FRD-03832026-10-07TXfraudpaynonePASS2026-10-07#383
BB-FRD-03692026-10-09TXfraudpaynonePASS2026-10-09#369
BB-FRD-04372026-10-10TXfraudpaynonePASS2026-10-10#437
BB-FRD-03422026-10-11COfraudpaynonePASS2026-10-11#342
BB-FRD-04162026-10-12TXfraudpaynonePASS2026-10-12#416
BB-FRD-03452026-10-12COfraudpaynonePASS2026-10-12#345
BB-FRD-03492026-10-12TXfraudpaynonePASS2026-10-12#349
BB-FRD-03952026-10-13TXfraudpaynonePASS2026-10-13#395
BB-FRD-03542026-10-13TXfraudpaynonePASS2026-10-13#354
BB-FRD-04152026-10-14TXfraudpaynonePASS2026-10-14#415
BB-FRD-03312026-10-14TXfraudpaynonePASS2026-10-14#331
BB-FRD-03722026-10-14TXfraudpaynonePASS2026-10-14#372
BB-FRD-04002026-10-16COfraudpaynonePASS2026-10-16#400
BB-FRD-04402026-10-17TXfraudpaynonePASS2026-10-17#440
TX-CLM-04172026-10-21TXclaimsdenyyesnonenoneHOLDcritical tx.542.algorithmic-denial-without-human-review
high tx.542.rejection-without-reasons
high tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
2026-10-21#1121
TX-CLM-0417-LIVE-8512026-10-21TXclaimsdenyyesnonenoneHOLDcritical tx.542.algorithmic-denial-without-human-review
high tx.542.rejection-without-reasons
high tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
2026-10-21#1372
BB-FRD-03372026-10-21COfraudpaynonePASS2026-10-21#337
BB-FRD-03632026-10-22COfraudpaynonePASS2026-10-22#363

price-opt

1 name version Renewal Price Optimizer — versions observed: 7.2 (declared 7.1)
2 use cases Recommends renewal premium within filed rating plan bounds using telematics, credit-based insurance score and territory. Stages: {'renewal': 168}; decisions in period: 168; adverse: 45; states: {'TX': 116, 'CO': 52}.
3 model type gradient-boosted ML
3a agentic
agentic: False
objectives: None
authorizations without human approval: None
4 implementation date 2025-01-15
5 development
vendor: internal
vendor name: None
6 purchased modifiable
purchased: False
developed for company: True
modifiable: True
7 model risks Potential adverse consumer impact evidenced by findings on the model's decisions in the period. Adverse decisions: 45; dispositions {'HOLD': 8, 'PASS': 105, 'FLAG': 55}.
  • medium Geography and credit used together in an adverse decision (proxy pattern to test at portfolio level) L6 × 45
  • medium Adverse outcome from a high-risk AI system with no human review L6 × 35
  • high Consequential AI-supported decision taken without a person reviewing and agreeing L4 × 28
  • medium ECDIS used outside an attested governance and risk management framework (amended Regulation 10-1-1) L3 × 26
  • high Credit-based adverse effect without the § 559.054 notice of reasons L2 × 8
8 limitations
carrier documentation: no model documentation reference recorded on the decision stream
regbench note: RegBench assesses recorded facts about each decision; it does not inspect model internals or detect inputs outside the training domain.
9 automate augment support
declared: automate
observed human review pct: 19.0
10 testing validation
testing report ref on decisions: ['test://bluebonnet/price-opt/2026Q2']
regbench continuous assessment: 168 of 168 decisions assessed at decision time against the rules in force on each decision date.
10a proxy evaluation
price-opt v7.2 · reference group A · Adverse-outcome rate by carrier-estimated demographic proxy group; reference group = largest group; adverse impact ratio = group rate / reference rate (flag below 0.80); marginal difference in percentage points (flag at 5.0 or more). Cells under 30 decisions are suppressed. Illustrative thresholds.
GroupDecisionsAdverseAdverse rate
A1002222.0%
suppressed (fewer than 30 decisions): D, B, C
no threshold exceeded
carrier environment (proxy labels never leave it); only these aggregates are released
11 last test date
carrier: see testing report reference
regbench last assessment: 2026-10-27T17:36:12+00:00
12 financial statement effect material
13 legal compliance review
rules applied: ['co.reg-10-1-1.governance-framework-amended', 'doctrine.unreviewed-adverse-high-risk', 'doctrine.zip-credit-interaction-proxy', 'tx.559.credit-adverse-effect-notice', 'tx.tdi.consequential-decision-without-human-review']
provisions cited: ['co-reg-10-1-1-s5', 'co-reg-10-1-1-s6', 'naic-ai-bulletin-s3-1-ais-program', 'tx-ins-559-001', 'tx-ins-559-054', 'tx-tdi-b-0003-26-governance', 'tx-tdi-b-0003-26-human-review']
method: Deterministic rule evaluation per decision; citations resolve against the corpus snapshot in force on the decision date or the assessment fails closed.
14 regulatory actions None recorded in RegBench. Carrier to confirm any informal agreements, administrative complaints, consent orders or investigations.
Case files for this model (168)
TransactionDecidedStateStageDecisionAdverseHumanNoticeDispositionFindingsLaw as ofLedger
BB-RNW-02952026-07-02TXrenewalrateyesnonesent, reasonsHOLDhigh tx.559.credit-adverse-effect-notice
high tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-07-02#295
BB-RNW-01822026-07-03COrenewalratenonePASS2026-07-03#182
BB-RNW-01782026-07-03TXrenewalratenonePASS2026-07-03#178
BB-RNW-02282026-07-03TXrenewalrateunderwriterPASS2026-07-03#228
BB-RNW-02942026-07-04TXrenewalrateyesnonesent, reasonsFLAGhigh tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-07-04#294
BB-RNW-02882026-07-04TXrenewalrateyesnonesent, reasonsFLAGhigh tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-07-04#288
BB-RNW-01572026-07-05COrenewalrateunderwriterPASS2026-07-05#157
BB-RNW-03102026-07-05TXrenewalratenonePASS2026-07-05#310
BB-RNW-01632026-07-05TXrenewalrateyesnonesent, reasonsFLAGhigh tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-07-05#163
BB-RNW-01622026-07-06TXrenewalratenonePASS2026-07-06#162
BB-RNW-03122026-07-07TXrenewalratenonePASS2026-07-07#312
BB-RNW-01702026-07-07COrenewalrateyesunderwritersent, reasonsFLAGmedium co.reg-10-1-1.governance-framework-amended
medium doctrine.zip-credit-interaction-proxy
2026-07-07#170
BB-RNW-01962026-07-07TXrenewalrateyesnonesent, reasonsFLAGhigh tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-07-07#196
BB-RNW-03132026-07-09TXrenewalratenonePASS2026-07-09#313
BB-RNW-01522026-07-09TXrenewalrateunderwriterPASS2026-07-09#152
BB-RNW-02022026-07-09TXrenewalratenonePASS2026-07-09#202
BB-RNW-02962026-07-10TXrenewalrateunderwriterPASS2026-07-10#296
BB-RNW-02432026-07-10COrenewalratenonePASS2026-07-10#243
BB-RNW-02732026-07-11COrenewalratenoneFLAGmedium co.reg-10-1-1.governance-framework-amended
2026-07-11#273
BB-RNW-02082026-07-12COrenewalratenonePASS2026-07-12#208
BB-RNW-01682026-07-12TXrenewalratenonePASS2026-07-12#168
BB-RNW-02272026-07-14TXrenewalrateunderwriterPASS2026-07-14#227
BB-RNW-02452026-07-14TXrenewalrateyesnonesent, reasonsFLAGhigh tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-07-14#245
BB-RNW-02062026-07-14TXrenewalratenonePASS2026-07-14#206
BB-RNW-02412026-07-14TXrenewalratenonePASS2026-07-14#241
BB-RNW-02012026-07-14TXrenewalrateyesnonesent, reasonsFLAGhigh tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-07-14#201
BB-RNW-02042026-07-14TXrenewalrateyesnonesent, reasonsFLAGhigh tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-07-14#204
BB-RNW-02342026-07-15TXrenewalrateunderwriterPASS2026-07-15#234
BB-RNW-02922026-07-16COrenewalrateyesnonesent, reasonsFLAGmedium co.reg-10-1-1.governance-framework-amended
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-07-16#292
BB-RNW-01942026-07-17TXrenewalrateyesnonenoneHOLDhigh tx.559.credit-adverse-effect-notice
high tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-07-17#194
BB-RNW-02512026-07-17COrenewalratenonePASS2026-07-17#251
BB-RNW-01812026-07-18COrenewalratenonePASS2026-07-18#181
BB-RNW-01982026-07-18COrenewalrateunderwriterFLAGmedium co.reg-10-1-1.governance-framework-amended
2026-07-18#198
BB-RNW-02442026-07-19TXrenewalratenonePASS2026-07-19#244
BB-RNW-02612026-07-19TXrenewalratenonePASS2026-07-19#261
BB-RNW-02682026-07-20TXrenewalratenonePASS2026-07-20#268
BB-RNW-02912026-07-20TXrenewalrateyesunderwritersent, reasonsHOLDhigh tx.559.credit-adverse-effect-notice
medium doctrine.zip-credit-interaction-proxy
2026-07-20#291
BB-RNW-02532026-07-23COrenewalratenonePASS2026-07-23#253
BB-RNW-01752026-07-23TXrenewalratenonePASS2026-07-23#175
BB-RNW-03052026-07-23TXrenewalratenonePASS2026-07-23#305
BB-RNW-02572026-07-24TXrenewalrateyesunderwritersent, reasonsHOLDhigh tx.559.credit-adverse-effect-notice
medium doctrine.zip-credit-interaction-proxy
2026-07-24#257
BB-RNW-01562026-07-24TXrenewalratenonePASS2026-07-24#156
BB-RNW-01642026-07-24TXrenewalratenonePASS2026-07-24#164
BB-RNW-03112026-07-25TXrenewalrateyesnonesent, reasonsFLAGhigh tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-07-25#311
BB-RNW-01672026-07-26TXrenewalratenonePASS2026-07-26#167
BB-RNW-01742026-07-27TXrenewalratenonePASS2026-07-27#174
BB-RNW-01652026-07-28TXrenewalratenonePASS2026-07-28#165
BB-RNW-02802026-07-29TXrenewalrateyesnonesent, reasonsHOLDhigh tx.559.credit-adverse-effect-notice
high tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-07-29#280
BB-RNW-01992026-07-30TXrenewalratenonePASS2026-07-30#199
BB-RNW-01532026-07-30COrenewalratenoneFLAGmedium co.reg-10-1-1.governance-framework-amended
2026-07-30#153
BB-RNW-01922026-07-30COrenewalratenonePASS2026-07-30#192
BB-RNW-02772026-08-01TXrenewalrateunderwriterPASS2026-08-01#277
BB-RNW-01602026-08-01COrenewalratenonePASS2026-08-01#160
BB-RNW-01972026-08-02COrenewalratenonePASS2026-08-02#197
BB-RNW-01542026-08-02TXrenewalratenonePASS2026-08-02#154
BB-RNW-01612026-08-03TXrenewalrateyesnonesent, reasonsFLAGhigh tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-08-03#161
BB-RNW-02462026-08-03TXrenewalratenonePASS2026-08-03#246
BB-RNW-01882026-08-05TXrenewalratenonePASS2026-08-05#188
BB-RNW-02712026-08-06TXrenewalratenonePASS2026-08-06#271
BB-RNW-02662026-08-06TXrenewalratenonePASS2026-08-06#266
BB-RNW-02872026-08-07COrenewalratenonePASS2026-08-07#287
BB-RNW-02372026-08-09TXrenewalratenonePASS2026-08-09#237
BB-RNW-02382026-08-10TXrenewalratenonePASS2026-08-10#238
BB-RNW-02152026-08-10TXrenewalratenonePASS2026-08-10#215
BB-RNW-02092026-08-11TXrenewalratenonePASS2026-08-11#209
BB-RNW-01772026-08-11TXrenewalrateyesnonesent, reasonsFLAGhigh tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-08-11#177
BB-RNW-02602026-08-12TXrenewalratenonePASS2026-08-12#260
BB-RNW-02472026-08-12TXrenewalratenonePASS2026-08-12#247
BB-RNW-01762026-08-14TXrenewalratenonePASS2026-08-14#176
BB-RNW-03152026-08-14TXrenewalrateyesunderwritersent, reasonsFLAGmedium doctrine.zip-credit-interaction-proxy
2026-08-14#315
BB-RNW-02552026-08-15TXrenewalrateyesnonesent, reasonsFLAGhigh tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-08-15#255
BB-RNW-03032026-08-17COrenewalratenoneFLAGmedium co.reg-10-1-1.governance-framework-amended
2026-08-17#303
BB-RNW-02522026-08-17TXrenewalrateyesnonesent, reasonsFLAGhigh tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-08-17#252
BB-RNW-02182026-08-19COrenewalratenonePASS2026-08-19#218
BB-RNW-01842026-08-19TXrenewalratenonePASS2026-08-19#184
BB-RNW-03082026-08-19TXrenewalratenonePASS2026-08-19#308
BB-RNW-02852026-08-20COrenewalrateyesnonenoneFLAGmedium co.reg-10-1-1.governance-framework-amended
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-08-20#285
BB-RNW-02492026-08-21TXrenewalratenonePASS2026-08-21#249
BB-RNW-02932026-08-21TXrenewalrateyesnonesent, reasonsFLAGhigh tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-08-21#293
BB-RNW-02352026-08-22COrenewalrateyesnonesent, reasonsFLAGmedium co.reg-10-1-1.governance-framework-amended
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-08-22#235
BB-RNW-02192026-08-22TXrenewalratenonePASS2026-08-22#219
BB-RNW-02212026-08-24TXrenewalrateyesnonesent, reasonsFLAGhigh tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-08-24#221
BB-RNW-02322026-08-24COrenewalratenoneFLAGmedium co.reg-10-1-1.governance-framework-amended
2026-08-24#232
BB-RNW-02142026-08-25TXrenewalrateunderwriterPASS2026-08-25#214
BB-RNW-01792026-08-25TXrenewalrateunderwriterPASS2026-08-25#179
BB-RNW-02702026-08-25TXrenewalrateyesnonesent, reasonsFLAGhigh tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-08-25#270
BB-RNW-02102026-08-26COrenewalratenonePASS2026-08-26#210
BB-RNW-02362026-08-27COrenewalratenoneFLAGmedium co.reg-10-1-1.governance-framework-amended
2026-08-27#236
BB-RNW-01872026-08-28TXrenewalratenonePASS2026-08-28#187
BB-RNW-02692026-08-30TXrenewalrateunderwriterPASS2026-08-30#269
BB-RNW-02782026-08-30COrenewalratenonePASS2026-08-30#278
BB-RNW-03182026-08-31TXrenewalratenonePASS2026-08-31#318
BB-RNW-02722026-09-02TXrenewalratenonePASS2026-09-02#272
BB-RNW-02292026-09-02TXrenewalratenonePASS2026-09-02#229
BB-RNW-03062026-09-02TXrenewalratenonePASS2026-09-02#306
BB-RNW-02562026-09-02COrenewalratenoneFLAGmedium co.reg-10-1-1.governance-framework-amended
2026-09-02#256
BB-RNW-02122026-09-02TXrenewalrateyesnonenoneHOLDhigh tx.559.credit-adverse-effect-notice
high tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-09-02#212
BB-RNW-01582026-09-03COrenewalratenoneFLAGmedium co.reg-10-1-1.governance-framework-amended
2026-09-03#158
BB-RNW-02222026-09-03TXrenewalrateyesnonesent, reasonsFLAGhigh tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-09-03#222
BB-RNW-02052026-09-04COrenewalrateyesunderwritersent, reasonsFLAGmedium co.reg-10-1-1.governance-framework-amended
medium doctrine.zip-credit-interaction-proxy
2026-09-04#205
BB-RNW-02302026-09-04COrenewalrateunderwriterFLAGmedium co.reg-10-1-1.governance-framework-amended
2026-09-04#230
BB-RNW-02582026-09-04TXrenewalratenonePASS2026-09-04#258
BB-RNW-03172026-09-05TXrenewalrateyesnonesent, reasonsFLAGhigh tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-09-05#317
BB-RNW-02792026-09-06COrenewalratenoneFLAGmedium co.reg-10-1-1.governance-framework-amended
2026-09-06#279
BB-RNW-01732026-09-07TXrenewalrateunderwriterPASS2026-09-07#173
BB-RNW-02892026-09-07TXrenewalratenonePASS2026-09-07#289
BB-RNW-02502026-09-09COrenewalratenoneFLAGmedium co.reg-10-1-1.governance-framework-amended
2026-09-09#250
BB-RNW-02902026-09-11COrenewalrateunderwriterFLAGmedium co.reg-10-1-1.governance-framework-amended
2026-09-11#290
BB-RNW-03192026-09-11TXrenewalrateyesunderwritersent, reasonsFLAGmedium doctrine.zip-credit-interaction-proxy
2026-09-11#319
BB-RNW-03142026-09-13COrenewalratenonePASS2026-09-13#314
BB-RNW-02982026-09-13COrenewalratenoneFLAGmedium co.reg-10-1-1.governance-framework-amended
2026-09-13#298
BB-RNW-01932026-09-13TXrenewalratenonePASS2026-09-13#193
BB-RNW-02672026-09-14TXrenewalrateyesunderwritersent, reasonsFLAGmedium doctrine.zip-credit-interaction-proxy
2026-09-14#267
BB-RNW-02832026-09-14TXrenewalrateunderwriterPASS2026-09-14#283
BB-RNW-02172026-09-17TXrenewalrateyesnonesent, reasonsHOLDhigh tx.559.credit-adverse-effect-notice
high tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-09-17#217
BB-RNW-02592026-09-18COrenewalratenoneFLAGmedium co.reg-10-1-1.governance-framework-amended
2026-09-18#259
BB-RNW-02262026-09-18COrenewalrateyesnonesent, reasonsFLAGmedium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-09-18#226
BB-RNW-02252026-09-18TXrenewalratenonePASS2026-09-18#225
BB-RNW-02132026-09-20COrenewalratenonePASS2026-09-20#213
BB-RNW-03072026-09-21TXrenewalrateyesnonesent, reasonsFLAGhigh tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-09-21#307
BB-RNW-01912026-09-21COrenewalratenonePASS2026-09-21#191
BB-RNW-02972026-09-21COrenewalrateunderwriterPASS2026-09-21#297
BB-RNW-02642026-09-22TXrenewalrateunderwriterPASS2026-09-22#264
BB-RNW-01512026-09-25TXrenewalratenonePASS2026-09-25#151
BB-RNW-02202026-09-25TXrenewalrateunderwriterPASS2026-09-25#220
BB-RNW-02742026-09-25TXrenewalratenonePASS2026-09-25#274
BB-RNW-01852026-09-28COrenewalratenonePASS2026-09-28#185
BB-RNW-02162026-09-28TXrenewalratenonePASS2026-09-28#216
BB-RNW-02002026-09-30TXrenewalrateyesnonesent, reasonsFLAGhigh tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-09-30#200
BB-RNW-01662026-09-30COrenewalratenoneFLAGmedium co.reg-10-1-1.governance-framework-amended
2026-09-30#166
BB-RNW-02762026-09-30TXrenewalratenonePASS2026-09-30#276
BB-RNW-02402026-09-30TXrenewalrateyesunderwritersent, reasonsFLAGmedium doctrine.zip-credit-interaction-proxy
2026-09-30#240
BB-RNW-03022026-09-30TXrenewalratenonePASS2026-09-30#302
BB-RNW-01712026-10-01COrenewalrateyesnonesent, reasonsFLAGmedium co.reg-10-1-1.governance-framework-amended
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-10-01#171
BB-RNW-02392026-10-01TXrenewalratenonePASS2026-10-01#239
BB-RNW-02232026-10-03TXrenewalratenonePASS2026-10-03#223
BB-RNW-02242026-10-04TXrenewalratenonePASS2026-10-04#224
BB-RNW-01802026-10-04COrenewalratenoneFLAGmedium co.reg-10-1-1.governance-framework-amended
2026-10-04#180
BB-RNW-01552026-10-04TXrenewalrateunderwriterPASS2026-10-04#155
BB-RNW-01892026-10-05COrenewalratenonePASS2026-10-05#189
BB-RNW-03162026-10-05TXrenewalratenonePASS2026-10-05#316
BB-RNW-02842026-10-07TXrenewalrateyesnonesent, reasonsFLAGhigh tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-10-07#284
BB-RNW-02992026-10-07TXrenewalratenonePASS2026-10-07#299
BB-RNW-01902026-10-07TXrenewalratenonePASS2026-10-07#190
CO-AUTO-01442026-10-09COrenewalrateyesnonesent, reasonsFLAGmedium co.reg-10-1-1.governance-framework-amended
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-10-09#1125
BB-RNW-03092026-10-13COrenewalrateyesnonesent, reasonsFLAGmedium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-10-13#309
BB-RNW-02422026-10-14COrenewalratenonePASS2026-10-14#242
BB-RNW-01722026-10-14TXrenewalrateyesunderwritersent, reasonsHOLDhigh tx.559.credit-adverse-effect-notice
medium doctrine.zip-credit-interaction-proxy
2026-10-14#172
BB-RNW-03202026-10-18TXrenewalratenonePASS2026-10-18#320
BB-RNW-02332026-10-20TXrenewalratenonePASS2026-10-20#233
BB-RNW-02862026-10-21TXrenewalrateyesnonesent, reasonsFLAGhigh tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-10-21#286
BB-RNW-02652026-10-21TXrenewalrateyesnonesent, reasonsFLAGhigh tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-10-21#265
BB-RNW-03002026-10-21TXrenewalrateunderwriterPASS2026-10-21#300
BB-RNW-01692026-10-21COrenewalratenoneFLAGmedium co.reg-10-1-1.governance-framework-amended
2026-10-21#169
BB-RNW-02542026-10-21TXrenewalratenonePASS2026-10-21#254
BB-RNW-01592026-10-21COrenewalratenoneFLAGmedium co.reg-10-1-1.governance-framework-amended
2026-10-21#159
BB-RNW-02312026-10-22COrenewalratenonePASS2026-10-22#231
BB-RNW-02752026-10-24COrenewalrateyesunderwritersent, reasonsFLAGmedium co.reg-10-1-1.governance-framework-amended
medium doctrine.zip-credit-interaction-proxy
2026-10-24#275
BB-RNW-02812026-10-24TXrenewalrateyesnonesent, reasonsFLAGhigh tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-10-24#281
BB-RNW-02632026-10-24COrenewalratenonePASS2026-10-24#263
BB-RNW-02622026-10-24TXrenewalratenonePASS2026-10-24#262
BB-RNW-02822026-10-25COrenewalrateunderwriterPASS2026-10-25#282
BB-RNW-01832026-10-25TXrenewalratenonePASS2026-10-25#183
BB-RNW-01952026-10-26TXrenewalratenonePASS2026-10-26#195
BB-RNW-02112026-10-26TXrenewalratenonePASS2026-10-26#211
BB-RNW-03012026-10-27TXrenewalrateunderwriterPASS2026-10-27#301
BB-RNW-02072026-10-27TXrenewalratenonePASS2026-10-27#207
BB-RNW-03042026-10-27TXrenewalratenonePASS2026-10-27#304

uw-triage

1 name version Underwriting Triage — versions observed: 2.4 (declared 2.4)
2 use cases Scores new auto and home applications for eligibility and refers borderline risks to an underwriter. Stages: {'underwriting': 149, 'renewal': 1}; decisions in period: 150; adverse: 26; states: {'TX': 115, 'CO': 35}.
3 model type GLM
3a agentic
agentic: False
objectives: None
authorizations without human approval: None
4 implementation date 2024-03-01
5 development
vendor: internal
vendor name: None
6 purchased modifiable
purchased: False
developed for company: True
modifiable: True
7 model risks Potential adverse consumer impact evidenced by findings on the model's decisions in the period. Adverse decisions: 26; dispositions {'FLAG': 33, 'PASS': 111, 'HOLD': 6}.
  • medium Geography and credit used together in an adverse decision (proxy pattern to test at portfolio level) L6 × 25
  • low Consumer report used with no data source reference recorded L0 × 14
  • low Third-party data used with no source recorded L4 × 13
  • medium Adverse outcome from a high-risk AI system with no human review L6 × 11
  • high Consequential AI-supported decision taken without a person reviewing and agreeing L4 × 10
  • high Credit-based adverse effect without the § 559.054 notice of reasons L2 × 6
  • medium AI-flagged non-renewal or decline with no notice recorded (pattern of the 2026 Pennsylvania agreement) L5 × 5
  • critical Adverse action based on a consumer report with no FCRA notice recorded L0 × 4
8 limitations
carrier documentation: no model documentation reference recorded on the decision stream
regbench note: RegBench assesses recorded facts about each decision; it does not inspect model internals or detect inputs outside the training domain.
9 automate augment support
declared: augment
observed human review pct: 38.7
10 testing validation
testing report ref on decisions: ['test://bluebonnet/uw-triage/2026Q3']
regbench continuous assessment: 150 of 150 decisions assessed at decision time against the rules in force on each decision date.
10a proxy evaluation
uw-triage v2.4 · reference group A · Adverse-outcome rate by carrier-estimated demographic proxy group; reference group = largest group; adverse impact ratio = group rate / reference rate (flag below 0.80); marginal difference in percentage points (flag at 5.0 or more). Cells under 30 decisions are suppressed. Illustrative thresholds.
GroupDecisionsAdverseAdverse rate
A831315.7%
suppressed (fewer than 30 decisions): C, B, D
no threshold exceeded
carrier environment (proxy labels never leave it); only these aggregates are released
11 last test date
carrier: see testing report reference
regbench last assessment: 2026-10-27T19:21:41+00:00
12 financial statement effect material
13 legal compliance review
rules applied: ['doctrine.unreviewed-adverse-high-risk', 'doctrine.zip-credit-interaction-proxy', 'precedent.ai-flagged-cancellation-without-notice', 'tx.559.credit-adverse-effect-notice', 'tx.tdi.consequential-decision-without-human-review', 'tx.tdi.third-party-data-source-unrecorded', 'us.fcra.adverse-action-notice', 'us.fcra.permissible-purpose-undocumented']
provisions cited: ['naic-ai-bulletin-s3-1-ais-program', 'precedent-pa-geico-2026', 'tx-ins-559-001', 'tx-ins-559-054', 'tx-tdi-b-0003-26-governance', 'tx-tdi-b-0003-26-human-review', 'tx-tdi-b-0036-20', 'us-fcra-1681a-k-1-b-i', 'us-fcra-1681b-a-3-c', 'us-fcra-1681m-a']
method: Deterministic rule evaluation per decision; citations resolve against the corpus snapshot in force on the decision date or the assessment fails closed.
14 regulatory actions None recorded in RegBench. Carrier to confirm any informal agreements, administrative complaints, consent orders or investigations.
Case files for this model (150)
TransactionDecidedStateStageDecisionAdverseHumanNoticeDispositionFindingsLaw as ofLedger
BB-UW-00452026-07-06TXunderwritingdeclineyesnonesent, reasonsFLAGhigh tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-07-06#45
BB-UW-01232026-07-07COunderwritingapprovenonePASS2026-07-07#123
BB-UW-00992026-07-08TXunderwritingdeclineyesunderwriternoneHOLDhigh us.fcra.adverse-action-notice
high tx.559.credit-adverse-effect-notice
medium precedent.ai-flagged-cancellation-without-notice
medium doctrine.zip-credit-interaction-proxy
2026-07-08#99
BB-UW-00402026-07-08TXunderwritingapprovenonePASS2026-07-08#40
BB-UW-01462026-07-09COunderwritingapprovenonePASS2026-07-09#146
BB-UW-00202026-07-10TXunderwritingapproveunderwriterPASS2026-07-10#20
BB-UW-01502026-07-10TXunderwritingreferunderwriterPASS2026-07-10#150
BB-UW-00172026-07-10TXunderwritingreferunderwriterFLAGlow us.fcra.permissible-purpose-undocumented
low tx.tdi.third-party-data-source-unrecorded
2026-07-10#17
BB-UW-00372026-07-12TXunderwritingdeclineyesunderwriternoneHOLDhigh us.fcra.adverse-action-notice
high tx.559.credit-adverse-effect-notice
medium precedent.ai-flagged-cancellation-without-notice
medium doctrine.zip-credit-interaction-proxy
2026-07-12#37
BB-UW-01212026-07-14TXunderwritingapprovenonePASS2026-07-14#121
BB-UW-00782026-07-14TXunderwritingdeclineyesunderwriternoneHOLDhigh us.fcra.adverse-action-notice
high tx.559.credit-adverse-effect-notice
medium precedent.ai-flagged-cancellation-without-notice
medium doctrine.zip-credit-interaction-proxy
2026-07-14#78
BB-UW-00862026-07-14TXunderwritingapproveunderwriterPASS2026-07-14#86
BB-UW-01292026-07-14COunderwritingreferunderwriterPASS2026-07-14#129
BB-UW-00892026-07-15TXunderwritingdeclineyesnonesent, reasonsFLAGhigh tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
low us.fcra.permissible-purpose-undocumented
low tx.tdi.third-party-data-source-unrecorded
2026-07-15#89
BB-UW-01492026-07-16COunderwritingapproveunderwriterPASS2026-07-16#149
BB-UW-00752026-07-16TXunderwritingapproveunderwriterPASS2026-07-16#75
BB-UW-00482026-07-17TXunderwritingapprovenonePASS2026-07-17#48
BB-UW-01102026-07-17COunderwritingdeclineyesunderwritersent, reasonsFLAGmedium doctrine.zip-credit-interaction-proxy
2026-07-17#110
BB-UW-00132026-07-17TXunderwritingapproveunderwriterPASS2026-07-17#13
BB-UW-01242026-07-19TXunderwritingapproveunderwriterPASS2026-07-19#124
BB-UW-01452026-07-19TXunderwritingapproveunderwriterPASS2026-07-19#145
BB-UW-01312026-07-19TXunderwritingapprovenonePASS2026-07-19#131
BB-UW-00272026-07-21TXunderwritingapproveunderwriterPASS2026-07-21#27
BB-UW-01182026-07-21TXunderwritingapprovenonePASS2026-07-21#118
BB-UW-01122026-07-22TXunderwritingapprovenoneFLAGlow us.fcra.permissible-purpose-undocumented
low tx.tdi.third-party-data-source-unrecorded
2026-07-22#112
BB-UW-00932026-07-22TXunderwritingapproveunderwriterPASS2026-07-22#93
BB-UW-00472026-07-23TXunderwritingapprovenonePASS2026-07-23#47
BB-UW-01422026-07-24TXunderwritingapprovenonePASS2026-07-24#142
BB-UW-00232026-07-24TXunderwritingapproveunderwriterPASS2026-07-24#23
BB-UW-01362026-07-24TXunderwritingapprovenonePASS2026-07-24#136
BB-UW-01222026-07-26TXunderwritingapprovenonePASS2026-07-26#122
BB-UW-00542026-07-26TXunderwritingapprovenonePASS2026-07-26#54
BB-UW-00902026-07-27TXunderwritingapprovenoneFLAGlow us.fcra.permissible-purpose-undocumented
low tx.tdi.third-party-data-source-unrecorded
2026-07-27#90
BB-UW-00652026-07-28TXunderwritingapproveunderwriterPASS2026-07-28#65
BB-UW-01052026-07-30TXunderwritingdeclineyesnonesent, reasonsFLAGhigh tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-07-30#105
BB-UW-01032026-07-31TXunderwritingapproveunderwriterPASS2026-07-31#103
BB-UW-00422026-07-31COunderwritingapprovenonePASS2026-07-31#42
BB-UW-00962026-08-02TXunderwritingreferunderwriterPASS2026-08-02#96
BB-UW-00922026-08-04TXunderwritingapprovenonePASS2026-08-04#92
BB-UW-01402026-08-04TXunderwritingapprovenoneFLAGlow us.fcra.permissible-purpose-undocumented
low tx.tdi.third-party-data-source-unrecorded
2026-08-04#140
BB-UW-00662026-08-04COunderwritingapprovenonePASS2026-08-04#66
BB-UW-00222026-08-06COunderwritingapprovenonePASS2026-08-06#22
BB-UW-00392026-08-06COunderwritingapprovenonePASS2026-08-06#39
BB-UW-00722026-08-06TXunderwritingapprovenonePASS2026-08-06#72
BB-UW-00432026-08-06TXunderwritingapproveunderwriterPASS2026-08-06#43
BB-UW-01472026-08-08TXunderwritingreferunderwriterPASS2026-08-08#147
BB-UW-00712026-08-10TXunderwritingapproveunderwriterPASS2026-08-10#71
BB-UW-00822026-08-12TXunderwritingdeclineyesnonesent, reasonsFLAGhigh tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-08-12#82
BB-UW-00412026-08-12COunderwritingapprovenonePASS2026-08-12#41
BB-UW-00552026-08-12TXunderwritingapprovenoneFLAGlow us.fcra.permissible-purpose-undocumented
low tx.tdi.third-party-data-source-unrecorded
2026-08-12#55
BB-UW-00742026-08-13TXunderwritingapprovenonePASS2026-08-13#74
BB-UW-00152026-08-13TXunderwritingapprovenonePASS2026-08-13#15
BB-UW-00972026-08-13COunderwritingapprovenonePASS2026-08-13#97
BB-UW-01432026-08-13COunderwritingapprovenonePASS2026-08-13#143
BB-UW-00872026-08-14COunderwritingapproveunderwriterPASS2026-08-14#87
BB-UW-00882026-08-15TXunderwritingapprovenonePASS2026-08-15#88
BB-UW-01392026-08-16COunderwritingapproveunderwriterPASS2026-08-16#139
BB-UW-00032026-08-18TXunderwritingapprovenonePASS2026-08-18#3
BB-UW-01112026-08-18TXunderwritingdeclineyesnonesent, reasonsFLAGhigh tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-08-18#111
BB-UW-01332026-08-19TXunderwritingapprovenonePASS2026-08-19#133
BB-UW-00282026-08-19TXunderwritingapprovenonePASS2026-08-19#28
BB-UW-00692026-08-19TXunderwritingdeclineyesunderwritersent, reasonsFLAGmedium doctrine.zip-credit-interaction-proxy
2026-08-19#69
BB-UW-00622026-08-19TXunderwritingdeclineyesnonenoneHOLDcritical us.fcra.adverse-action-notice
high tx.559.credit-adverse-effect-notice
high tx.tdi.consequential-decision-without-human-review
medium precedent.ai-flagged-cancellation-without-notice
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-08-19#62
BB-UW-00832026-08-21COunderwritingdeclineyesnonesent, reasonsFLAGmedium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-08-21#83
BB-UW-00812026-08-21TXunderwritingapproveunderwriterPASS2026-08-21#81
BB-UW-01282026-08-22TXunderwritingapproveunderwriterFLAGlow us.fcra.permissible-purpose-undocumented
low tx.tdi.third-party-data-source-unrecorded
2026-08-22#128
BB-UW-00952026-08-23TXunderwritingapprovenoneFLAGlow us.fcra.permissible-purpose-undocumented
low tx.tdi.third-party-data-source-unrecorded
2026-08-23#95
BB-UW-00382026-08-23COunderwritingapprovenonePASS2026-08-23#38
BB-UW-01412026-08-26COunderwritingdeclineyesunderwritersent, reasonsFLAGmedium doctrine.zip-credit-interaction-proxy
2026-08-26#141
BB-UW-00332026-08-28TXunderwritingapprovenonePASS2026-08-28#33
BB-UW-01482026-08-30TXunderwritingapprovenonePASS2026-08-30#148
BB-UW-00592026-08-31TXunderwritingdeclineyesunderwritersent, reasonsFLAGmedium doctrine.zip-credit-interaction-proxy
2026-08-31#59
BB-UW-00642026-09-02TXunderwritingapprovenonePASS2026-09-02#64
BB-UW-00242026-09-03TXunderwritingapprovenonePASS2026-09-03#24
BB-UW-00312026-09-03COunderwritingapprovenonePASS2026-09-03#31
BB-UW-00192026-09-04TXunderwritingapprovenonePASS2026-09-04#19
BB-UW-01132026-09-04COunderwritingapprovenonePASS2026-09-04#113
BB-UW-00322026-09-05COunderwritingapproveunderwriterFLAGlow us.fcra.permissible-purpose-undocumented
2026-09-05#32
BB-UW-00292026-09-07TXunderwritingapprovenonePASS2026-09-07#29
BB-UW-01352026-09-08TXunderwritingapprovenonePASS2026-09-08#135
BB-UW-01152026-09-08TXunderwritingapprovenonePASS2026-09-08#115
BB-UW-00732026-09-09TXunderwritingapprovenonePASS2026-09-09#73
BB-UW-01172026-09-10TXunderwritingapprovenonePASS2026-09-10#117
BB-UW-01382026-09-10TXunderwritingapprovenonePASS2026-09-10#138
BB-UW-00562026-09-10TXunderwritingapprovenonePASS2026-09-10#56
BB-UW-00122026-09-10TXunderwritingapproveunderwriterPASS2026-09-10#12
BB-UW-00942026-09-13TXunderwritingapprovenonePASS2026-09-13#94
BB-UW-01022026-09-14TXunderwritingdeclineyesunderwritersent, reasonsFLAGmedium doctrine.zip-credit-interaction-proxy
2026-09-14#102
BB-UW-01192026-09-14COunderwritingapprovenonePASS2026-09-14#119
BB-UW-00602026-09-16TXunderwritingdeclineyesunderwritersent, reasonsFLAGmedium doctrine.zip-credit-interaction-proxy
2026-09-16#60
BB-UW-00522026-09-16TXunderwritingapprovenonePASS2026-09-16#52
BB-UW-00682026-09-17TXunderwritingapproveunderwriterPASS2026-09-17#68
BB-UW-00672026-09-19COunderwritingapprovenonePASS2026-09-19#67
BB-UW-00582026-09-20TXunderwritingapprovenonePASS2026-09-20#58
BB-UW-00052026-09-20TXunderwritingdeclineyesnonesent, reasonsFLAGhigh tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-09-20#5
BB-UW-00302026-09-21TXunderwritingdeclineyesnonesent, reasonsFLAGhigh tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-09-21#30
BB-UW-01082026-09-22COunderwritingapprovenonePASS2026-09-22#108
BB-UW-00632026-09-22TXunderwritingapprovenonePASS2026-09-22#63
BB-UW-00072026-09-22TXunderwritingdeclineyesunderwritersent, reasonsFLAGmedium doctrine.zip-credit-interaction-proxy
2026-09-22#7
BB-UW-01162026-09-22TXunderwritingapproveunderwriterPASS2026-09-22#116
BB-UW-01342026-09-23COunderwritingapprovenonePASS2026-09-23#134
BB-UW-00102026-09-23COunderwritingapproveunderwriterPASS2026-09-23#10
BB-UW-01302026-09-23TXunderwritingapprovenonePASS2026-09-23#130
BB-UW-01202026-09-24TXunderwritingapprovenonePASS2026-09-24#120
BB-UW-00512026-09-25COunderwritingapprovenonePASS2026-09-25#51
BB-UW-00182026-09-26TXunderwritingapproveunderwriterFLAGlow us.fcra.permissible-purpose-undocumented
low tx.tdi.third-party-data-source-unrecorded
2026-09-26#18
BB-UW-01142026-09-26COunderwritingapprovenonePASS2026-09-26#114
BB-UW-00092026-09-27TXunderwritingapprovenonePASS2026-09-27#9
BB-UW-01072026-09-29TXunderwritingapprovenonePASS2026-09-29#107
BB-UW-01252026-09-29TXunderwritingapproveunderwriterPASS2026-09-29#125
BB-UW-01062026-09-29TXunderwritingapprovenoneFLAGlow us.fcra.permissible-purpose-undocumented
low tx.tdi.third-party-data-source-unrecorded
2026-09-29#106
BB-UW-00842026-09-29TXunderwritingreferunderwriterFLAGlow us.fcra.permissible-purpose-undocumented
low tx.tdi.third-party-data-source-unrecorded
2026-09-29#84
BB-UW-00792026-09-30TXunderwritingdeclineyesunderwritersent, reasonsFLAGmedium doctrine.zip-credit-interaction-proxy
2026-09-30#79
BB-UW-01262026-09-30TXunderwritingapprovenonePASS2026-09-30#126
BB-UW-00062026-10-02COunderwritingapprovenonePASS2026-10-02#6
BB-UW-00852026-10-02COunderwritingapprovenonePASS2026-10-02#85
BB-UW-00082026-10-06COunderwritingapproveunderwriterPASS2026-10-06#8
TX-RNW-01992026-10-06TXrenewalnon renewyesnonenoneFLAGhigh tx.tdi.consequential-decision-without-human-review
medium precedent.ai-flagged-cancellation-without-notice
medium doctrine.unreviewed-adverse-high-risk
2026-10-06#1128
BB-UW-00612026-10-07TXunderwritingapproveunderwriterPASS2026-10-07#61
BB-UW-00012026-10-08TXunderwritingdeclineyesunderwritersent, reasonsFLAGmedium doctrine.zip-credit-interaction-proxy
2026-10-08#1
BB-UW-00362026-10-08COunderwritingapprovenonePASS2026-10-08#36
BB-UW-00112026-10-09TXunderwritingapprovenonePASS2026-10-09#11
BB-UW-01042026-10-09TXunderwritingapproveunderwriterPASS2026-10-09#104
BB-UW-00212026-10-09TXunderwritingapprovenonePASS2026-10-09#21
BB-UW-01442026-10-09COunderwritingapproveunderwriterPASS2026-10-09#144
BB-UW-00802026-10-11TXunderwritingapproveunderwriterPASS2026-10-11#80
BB-UW-01272026-10-12TXunderwritingapprovenonePASS2026-10-12#127
BB-UW-01012026-10-12COunderwritingdeclineyesunderwritersent, reasonsFLAGmedium doctrine.zip-credit-interaction-proxy
2026-10-12#101
BB-UW-00702026-10-13TXunderwritingdeclineyesnonesent, reasonsHOLDhigh tx.559.credit-adverse-effect-notice
high tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-10-13#70
BB-UW-00042026-10-13TXunderwritingapproveunderwriterPASS2026-10-13#4
BB-UW-00772026-10-14COunderwritingapprovenonePASS2026-10-14#77
BB-UW-00352026-10-14TXunderwritingreferunderwriterPASS2026-10-14#35
BB-UW-00342026-10-14TXunderwritingapprovenonePASS2026-10-14#34
BB-UW-00532026-10-15TXunderwritingapproveunderwriterPASS2026-10-15#53
BB-UW-00982026-10-15TXunderwritingapprovenoneFLAGlow us.fcra.permissible-purpose-undocumented
low tx.tdi.third-party-data-source-unrecorded
2026-10-15#98
TX-UW-03112026-10-15TXunderwritingapproveunderwriterPASS2026-10-15#1126
BB-UW-00262026-10-16TXunderwritingapproveunderwriterPASS2026-10-16#26
BB-UW-00492026-10-18TXunderwritingdeclineyesunderwritersent, reasonsHOLDhigh tx.559.credit-adverse-effect-notice
medium doctrine.zip-credit-interaction-proxy
2026-10-18#49
BB-UW-00252026-10-20TXunderwritingapprovenonePASS2026-10-20#25
BB-UW-01322026-10-20TXunderwritingapprovenonePASS2026-10-20#132
BB-UW-00162026-10-22TXunderwritingapproveunderwriterPASS2026-10-22#16
BB-UW-00502026-10-23COunderwritingapproveunderwriterPASS2026-10-23#50
BB-UW-00762026-10-23TXunderwritingapprovenonePASS2026-10-23#76
BB-UW-00912026-10-23TXunderwritingdeclineyesunderwritersent, reasonsFLAGmedium doctrine.zip-credit-interaction-proxy
2026-10-23#91
BB-UW-00462026-10-25TXunderwritingapprovenoneFLAGlow us.fcra.permissible-purpose-undocumented
low tx.tdi.third-party-data-source-unrecorded
2026-10-25#46
BB-UW-01372026-10-25TXunderwritingapprovenonePASS2026-10-25#137
BB-UW-00442026-10-26TXunderwritingapprovenonePASS2026-10-26#44
BB-UW-00572026-10-26TXunderwritingapprovenonePASS2026-10-26#57
BB-UW-01092026-10-26TXunderwritingapprovenonePASS2026-10-26#109
BB-UW-01002026-10-27TXunderwritingapprovenonePASS2026-10-27#100