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 2026-07-01 to 2026-10-29 · TX · built 2026-10-30 11:26
Pack identifier
pack_e922bb504177
Pack hash (on ledger #1374)
bf5322daeb3c9b2cb90702348c2d034e9e6003421ef51a98aa57e7ae9a7363ca
Engine
regbench-engine/0.4.0 · rules 2026.10+dbe5ddf6 · corpus 2026-10-30-5f07c521
Totals
432 assessments · 402 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': 83}; decisions in period: 83; adverse: 8; states: {'TX': 83}.
3 model type unknown (not declared)
3a agentic
agentic: False
objectives: None
authorizations without human approval: None
4 implementation date 2026-07-01
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: 8; dispositions {'PASS': 77, 'FLAG': 2, 'HOLD': 4}.
  • 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
  • medium Adverse outcome from a high-risk AI system with no human review L6 × 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: 3.6
10 testing validation
testing report ref on decisions: ['none recorded']
regbench continuous assessment: 83 of 83 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
A53611.3%
suppressed (fewer than 30 decisions): B, D, 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 (83)
TransactionDecidedStateStageDecisionAdverseHumanNoticeDispositionFindingsLaw as ofLedger
BB-CLM-05492026-07-01TXclaimspaynonePASS2026-07-01#549
BB-CLM-05432026-07-02TXclaimspaynonePASS2026-07-02#543
BB-CLM-04922026-07-07TXclaimspaynonePASS2026-07-07#492
BB-CLM-04812026-07-08TXclaimspaynonePASS2026-07-08#481
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-05072026-07-17TXclaimspaynonePASS2026-07-17#507
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-05192026-07-21TXclaimsdenyyesadjusternone, reasonsPASS2026-07-21#519
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-05112026-07-28TXclaimspaynonePASS2026-07-28#511
BB-CLM-05372026-07-29TXclaimspaynonePASS2026-07-29#537
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-04702026-08-04TXclaimspaynonePASS2026-08-04#470
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-05122026-08-12TXclaimspaynonePASS2026-08-12#512
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-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-05092026-09-11TXclaimspaynonePASS2026-09-11#509
BB-CLM-05262026-09-13TXclaimspaynonePASS2026-09-13#526
BB-CLM-04822026-09-15TXclaimspaynonePASS2026-09-15#482
BB-CLM-04862026-09-18TXclaimspaynonePASS2026-09-18#486
BB-CLM-04932026-09-21TXclaimspaynonePASS2026-09-21#493
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-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-05362026-10-13TXclaimspaynonePASS2026-10-13#536
BB-CLM-04902026-10-14TXclaimspaynonePASS2026-10-14#490
BB-CLM-05142026-10-15TXclaimspaynonePASS2026-10-15#514
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-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': 84, 'claims': 2}; decisions in period: 86; adverse: 7; states: {'TX': 86}.
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: 7; dispositions {'PASS': 82, '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: 3.5
10 testing validation
testing report ref on decisions: ['none recorded']
regbench continuous assessment: 86 of 86 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
A5036.0%
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: 2026-10-21T09:00:00+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 (86)
TransactionDecidedStateStageDecisionAdverseHumanNoticeDispositionFindingsLaw as ofLedger
BB-FRD-03592026-07-01TXfraudflagyesadjusternonePASS2026-07-01#359
BB-FRD-03612026-07-01TXfraudpaynonePASS2026-07-01#361
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-03332026-07-09TXfraudpaynonePASS2026-07-09#333
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-03822026-07-15TXfraudpaynonePASS2026-07-15#382
BB-FRD-04062026-07-16TXfraudpaynonePASS2026-07-16#406
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-03902026-07-21TXfraudpaynonePASS2026-07-21#390
BB-FRD-03702026-07-28TXfraudpaynonePASS2026-07-28#370
BB-FRD-03442026-07-31TXfraudpaynonePASS2026-07-31#344
BB-FRD-03912026-07-31TXfraudpaynonePASS2026-07-31#391
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-03532026-08-08TXfraudpaynonePASS2026-08-08#353
BB-FRD-04252026-08-08TXfraudpaynonePASS2026-08-08#425
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-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-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-04142026-09-17TXfraudpaynonePASS2026-09-17#414
BB-FRD-03362026-09-18TXfraudpaynonePASS2026-09-18#336
BB-FRD-04352026-09-19TXfraudpaynonePASS2026-09-19#435
BB-FRD-03502026-09-19TXfraudpaynonePASS2026-09-19#350
BB-FRD-03852026-09-20TXfraudpaynonePASS2026-09-20#385
BB-FRD-03302026-09-21TXfraudpaynonePASS2026-09-21#330
BB-FRD-04362026-09-24TXfraudpaynonePASS2026-09-24#436
BB-FRD-03552026-09-29TXfraudpaynonePASS2026-09-29#355
BB-FRD-04082026-09-29TXfraudpaynonePASS2026-09-29#408
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-03832026-10-07TXfraudpaynonePASS2026-10-07#383
BB-FRD-03692026-10-09TXfraudpaynonePASS2026-10-09#369
BB-FRD-04372026-10-10TXfraudpaynonePASS2026-10-10#437
BB-FRD-04162026-10-12TXfraudpaynonePASS2026-10-12#416
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-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

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': 118}; decisions in period: 118; adverse: 36; states: {'TX': 118}.
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: 36; dispositions {'FLAG': 28, 'PASS': 82, 'HOLD': 8}.
  • medium Geography and credit used together in an adverse decision (proxy pattern to test at portfolio level) L6 × 36
  • high Consequential AI-supported decision taken without a person reviewing and agreeing L4 × 29
  • medium Adverse outcome from a high-risk AI system with no human review L6 × 29
  • 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: 19.5
10 testing validation
testing report ref on decisions: ['test://bluebonnet/price-opt/2026Q2']
regbench continuous assessment: 118 of 118 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
A711926.8%
suppressed (fewer than 30 decisions): C, D, B
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: ['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: ['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 (118)
TransactionDecidedStateStageDecisionAdverseHumanNoticeDispositionFindingsLaw as ofLedger
BB-RNW-02032026-07-01TXrenewalrateyesnonesent, reasonsFLAGhigh tx.tdi.consequential-decision-without-human-review
medium doctrine.unreviewed-adverse-high-risk
medium doctrine.zip-credit-interaction-proxy
2026-07-01#203
BB-RNW-01862026-07-01TXrenewalratenonePASS2026-07-01#186
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-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-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-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-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-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-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-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-02772026-08-01TXrenewalrateunderwriterPASS2026-08-01#277
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-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-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-01842026-08-19TXrenewalratenonePASS2026-08-19#184
BB-RNW-03082026-08-19TXrenewalratenonePASS2026-08-19#308
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-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-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-01872026-08-28TXrenewalratenonePASS2026-08-28#187
BB-RNW-02692026-08-30TXrenewalrateunderwriterPASS2026-08-30#269
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-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-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-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-01732026-09-07TXrenewalrateunderwriterPASS2026-09-07#173
BB-RNW-02892026-09-07TXrenewalratenonePASS2026-09-07#289
BB-RNW-03192026-09-11TXrenewalrateyesunderwritersent, reasonsFLAGmedium doctrine.zip-credit-interaction-proxy
2026-09-11#319
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-02252026-09-18TXrenewalratenonePASS2026-09-18#225
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-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-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-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-02392026-10-01TXrenewalratenonePASS2026-10-01#239
BB-RNW-02232026-10-03TXrenewalratenonePASS2026-10-03#223
BB-RNW-02242026-10-04TXrenewalratenonePASS2026-10-04#224
BB-RNW-01552026-10-04TXrenewalrateunderwriterPASS2026-10-04#155
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
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-02542026-10-21TXrenewalratenonePASS2026-10-21#254
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-02622026-10-24TXrenewalratenonePASS2026-10-24#262
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': 114, 'renewal': 1}; decisions in period: 115; adverse: 22; states: {'TX': 115}.
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: 22; dispositions {'FLAG': 28, 'HOLD': 6, 'PASS': 81}.
  • medium Geography and credit used together in an adverse decision (proxy pattern to test at portfolio level) L6 × 21
  • low Consumer report used with no data source reference recorded L0 × 13
  • low Third-party data used with no source recorded L4 × 13
  • high Consequential AI-supported decision taken without a person reviewing and agreeing L4 × 10
  • medium Adverse outcome from a high-risk AI system with no human review L6 × 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: 40.0
10 testing validation
testing report ref on decisions: ['test://bluebonnet/uw-triage/2026Q3']
regbench continuous assessment: 115 of 115 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
A651218.5%
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 (115)
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-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-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-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-00752026-07-16TXunderwritingapproveunderwriterPASS2026-07-16#75
BB-UW-00482026-07-17TXunderwritingapprovenonePASS2026-07-17#48
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-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-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
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