{"txn_id":"BB-CLM-0455","assessment_id":"ra_c18c307441f341e3","occurred_at":"2026-10-22T04:46:52+00:00","state":"TX","line_of_business":"auto","stage":"claims","program_area":"Claims/Adjudication","ai_system":{"system_id":"claims-fastpath","model_version":"1.0","vendor":"internal","vendor_name":null,"high_risk_class":"claims"},"inputs":{"feature_classes":["claims_history","property"],"protected_factors_used":[],"ecdis_present":false,"consumer_report_used":false,"credit_used":false,"data_source_refs":[],"consumer_token":"tok_3ae9cd26c3"},"output":{"decision":"pay","score":0.187,"reason_codes":[],"premium_delta_pct":null},"human_involvement":{"reviewed":false,"reviewer_role":null,"overridden":false},"adverse_action":{"is_adverse":false,"notice_sent_at":null,"reasons_provided":false,"specific_reasons":false,"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 2026-10-22, claims-fastpath v1.0 (an internally developed system) produced 'pay' in a TX auto claims transaction. Inputs included claims history, property. No human reviewed the output before it took effect. The outcome was not adverse to the consumer. RegBench applied 7 rule(s) in force on 2026-10-22 and recorded no findings.","findings":[],"point_in_time":{"as_of":"2026-10-22","rules_version":"2026.10+dbe5ddf6","corpus_snapshot":"2026-10-30-5f07c521","engine_version":"regbench-engine/0.4.0","model_version":"deterministic-1"},"evaluated_at":"2026-10-30T11:23:23.661129+00:00","fingerprint":"c563c22b8a725db42c16e27a"},"review":null,"ledger":{"seq":455,"hash":"a6a437acd883c189c172bd2cfde34cfebd90e537fd47c902d0df647db4688164","prev_hash":"69a37bbcaf96d26d713f1c23e8a4e26b532074142655bdbb724da222f66edfdd","recorded_at":"2026-10-22T04:49:04+00:00"}}