{"txn_id":"AGENT-CLM-114554","assessment_id":"ra_03e875c6335b40cc","occurred_at":"2026-10-30T11:45:54.458970+00:00","state":"TX","line_of_business":"auto","stage":"claims","program_area":"Claims/Adjudication","ai_system":{"system_id":"fnol-fraud","model_version":"3.1","vendor":"third_party","vendor_name":"Sentinel Analytics (fictional)","high_risk_class":"fraud"},"inputs":{"feature_classes":["claims_history","geography","social_media"],"protected_factors_used":[],"ecdis_present":false,"consumer_report_used":false,"credit_used":false,"data_source_refs":["vendor://sentinel/fnol"],"consumer_token":"tok_agent_demo"},"output":{"decision":"refer","score":0.93,"reason_codes":["F07"],"premium_delta_pct":null},"human_involvement":{"reviewed":true,"reviewer_role":"adjuster","overridden":false},"adverse_action":{"is_adverse":true,"notice_sent_at":null,"reasons_provided":true,"specific_reasons":true,"ecdis_disclosed":false,"appeal_channel":null},"carrier_note":null,"assessment":{"disposition":"PASS","summary":"PASS: 0 finding(s) under rules 2026.10+dbe5ddf6, corpus 2026-10-30-5f07c521. No regulatory finding; the case file is recorded.","narrative":"On 2026-10-30, fnol-fraud v3.1 (a third-party system from Sentinel Analytics (fictional)) produced 'refer' in a TX auto claims transaction. Inputs included claims history, geography, social media. A human reviewed the output by a adjuster. The outcome was adverse to the consumer; no notice to the consumer is recorded. RegBench applied 7 rule(s) in force on 2026-10-30 and recorded no findings.","findings":[],"point_in_time":{"as_of":"2026-10-30","rules_version":"2026.10+dbe5ddf6","corpus_snapshot":"2026-10-30-5f07c521","engine_version":"regbench-engine/0.4.0","model_version":"deterministic-1"},"evaluated_at":"2026-10-30T11:45:54.470008+00:00","fingerprint":"46100ce81c2ec68b7f9def8f"},"review":null,"ledger":{"seq":1376,"hash":"fb7ad24c0e1c970a7a861fe3e85a78bbcbda7d42aab39b66b11c6bd0a1686566","prev_hash":"924ac515d769421e58aa8ef9a7a4445041a6a7cb1f143f7817d9c1f7d8492878","recorded_at":"2026-10-30T11:45:54.473940+00:00"}}