{"txn_id":"BB-CLM-0513","assessment_id":"ra_c9d15a3559354d1d","occurred_at":"2026-10-18T15:10:15+00:00","state":"CO","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_8347852927"},"output":{"decision":"pay","score":0.228,"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 2026-10-18, claims-fastpath v1.0 (an internally developed system) produced 'pay' in a CO 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 5 rule(s) in force on 2026-10-18 and recorded no findings.","findings":[],"point_in_time":{"as_of":"2026-10-18","rules_version":"2026.10+dbe5ddf6","corpus_snapshot":"2026-10-30-5f07c521","engine_version":"regbench-engine/0.4.0","model_version":"deterministic-1"},"evaluated_at":"2026-10-30T11:23:23.811146+00:00","fingerprint":"d5dca85054638e6e4dbd3256"},"review":null,"ledger":{"seq":513,"hash":"18a1096e4556fd9f08c752c45f6cf0ebf5b75ea35b81745190699fd186b6efae","prev_hash":"9ee56845299330b3439b19ece8bc20550daf0f8c77cb24db332c25211595998b","recorded_at":"2026-10-18T15:11:36+00:00"}}