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DQ Ledger
Decision record

The record an auditor asks for

One page per decision: the outcome, the rule that set it, every event behind it, the rulebook version, and the steps a human still owes. Print it or save it as a PDF.

Severity scale
Driver qualification decision · synthetic file
DQ-878F-2165
Driver B-2207 · Borderline file
Manual reviewAn underwriter or safety manager decides
Rulebook
Carrier hiring standard v3.2 (carrier-hiring)
Effective
2026-01-01 · in force
Severity scale
SMS 1-10 severity
Engine
v2.1.0 · deterministic, no model in the decision
Input hash
878f2165d89ddb17
Risk index
53 / 100 (45 points; bands 30 / 65)

Outcome

Manual review. Set by out-of-service order 11 months ago (Guideline carrier-hiring v3.2).

License

Class A · valid · 72 months of CDL experience
Endorsements held: T · required: none
Medical certificate: current · domicile GA

Drug and alcohol program

Clearinghouse: not prohibited
No violations on record

Rules that fired (3)
Guideline
  • Manual reviewSets the outcome
    Out-of-service order 11 months ago
    1 out-of-service order within 24 months. Needs a documented root cause before dispatch.
    Guideline carrier-hiring v3.2
  • Manual review
    1 crash within 36 months not ruled non-preventable
    A crash record is a report of an event, not a finding of fault. Crashes determined not preventable do not count.
    Guideline carrier-hiring v3.2
Risk score
  • Manual review
    Risk index 53, in the review band (30-64)
    Enough recent, weighted history to need an underwriter's judgement.
    Guideline carrier-hiring v3.2
Reason ledger
5 events on file, 5 scored. Points = severity x time weight.
45 pts
  • 12
    MVRUnsafe Driving3 mo · sev 4 x 3
  • 5
    MVRUnsafe Driving20 mo · sev 5 x 1
  • 15
    PSP + MVRUnsafe Driving5 mo · sev 5 x 3
  • 12
    PSPVehicle Maintenance11 mo · sev 6* x 2
  • 1
    PSPCrash Indicator22 mo · sev 1 x 1
  • Total risk points45

* put the driver or vehicle out of service. Tap an event for how its points were computed.

Manual review: what a human still owes

  1. 1
    Assign an underwriter or safety manager
    Awaiting reviewer
  2. 2
    Resolve: Out-of-service order 11 months ago
    Guideline carrier-hiring v3.2
    Open
  3. 3
    Resolve: 1 crash within 36 months not ruled non-preventable
    Guideline carrier-hiring v3.2
    Open
  4. 4
    Resolve: Risk index 53, in the review band (30-64)
    Guideline carrier-hiring v3.2
    Open
  5. 5
    Record the decision and the reason on this record
    Not started
  6. 6
    If the outcome becomes adverse, run the FCRA pre-adverse and adverse-action steps
    15 U.S.C. 1681b(b)(3)
    If needed

Reviewer sign-off

Sign-off stays on this page: nothing you type is stored or sent.

Qualification file checklist

  • ✓
    CDLIS license check
    Valid Class A · 49 CFR 391.11
  • ✓
    MVR from each state of licensure
    3 convictions on record · 49 CFR 391.23
  • ✓
    PSP report, with the driver's disclosure and authorization
    2 inspections, 1 crash · FMCSA PSP
  • ✓
    Clearinghouse full pre-employment query
    Not prohibited · 49 CFR 382.701
  • ✓
    Medical examiner's certificate
    Current · 49 CFR 391.43 / 391.45
  • ·
    Employment application
    Held by the hiring system · 49 CFR 391.21
  • ·
    Prior-employer safety-performance history (3 years)
    Held by the hiring system · 49 CFR 391.23
  • ·
    Pre-employment drug test result
    Held by the testing program · 49 CFR 382.301
  • ·
    Road test or equivalent
    Held by the hiring system · 49 CFR 391.31
  • →
    Annual driving-record review
    12 months after hire · 49 CFR 391.25

Synthetic file; no real person, license or FMCSA query. The risk index applies FMCSA SMS mechanics to one driver and is not an FMCSA percentile. The same inputs, rulebook version and engine version reproduce this record exactly; the input hash changes if any of them change.

Governance
No model makes the decision. A named person signs every adverse outcome.
  • Fair Credit Reporting ActAny adverse decision based on a consumer report (an MVR or PSP report obtained through a consumer reporting agency)

    Here: An adverse outcome is a recommendation that opens the pre-adverse and adverse-action steps on the decision record.

  • Colorado SB 26-189Automated decision-making technology that materially influences a consequential decision (effective January 1, 2027)

    Here: Every outcome carries its rule, its evidence and a named human reviewer; the ledger is the explanation.

  • NYC Local Law 144Automated employment decision tools used for candidates for jobs in New York City

    Here: Deterministic rules make a bias audit reproducible: the same file always gets the same outcome and reason.

  • California Civil Rights Council ADS regulationsAutomated-decision systems in employment decisions (effective October 1, 2025)

    Here: Each decision record is reproducible from its inputs, rulebook version and engine version.

  • Illinois HB 3773 (Public Act 103-0804)Use of AI in recruitment, hiring and other employment decisions (effective January 1, 2026)

    Here: No demographic or location proxy is scored: the engine reads the license, driving, inspection, crash and Clearinghouse record; the domicile state is shown, never weighed.

  • NAIC Model Bulletin on AI SystemsInsurers' use of AI in underwriting and other regulated decisions (adopted December 4, 2023; adopted by many states)

    Here: Rulebooks are versioned with effective dates, and every change is run against the book before it ships.

A summary for orientation, not legal advice. Effective dates as published by each body.