{"txn_id":"BB-CLM-0523","assessment_id":"ra_f2c2abf972cc4595","occurred_at":"2026-10-12T11:57:32+00:00","state":"CO","line_of_business":"home","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_ca22fc5880"},"output":{"decision":"pay","score":0.092,"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,"input":{"revision":1,"current_revision":1,"input_digest":"b15c120d1714cfe2d55698a9f211cb576f64944152cc851145d010277442f34b","digest_ok":true,"note":"input_digest is SHA-256 over the canonical JSON of the transaction revision assessed; it is inside the assessment the ledger hashes."},"assessment":{"disposition":"PASS","coverage":{"status":"supported","state_rules_applied":1,"general_rules_applied":0,"advisory_rules_applied":1,"rules_considered":30,"rules_applied":["co.sb169.ecdis-adverse-untested","doctrine.unreviewed-adverse-high-risk"],"statement":"1 state-specific and 0 general black-letter rule(s) applied to this CO home claims transaction. Only the configured checks were run; a result is not a legal opinion on compliance."},"evidence":{"status":"missing","asserted":[],"missing":["ai_system.governance_attested","ai_system.model_doc_ref","ai_system.testing_report_ref"],"statement":"Missing evidence: ai_system.governance_attested, ai_system.model_doc_ref, ai_system.testing_report_ref."},"summary":"PASS: 0 finding(s) under rules 2026.10+c4982313, corpus 2026-10-30-9c5dad5a. No configured check fired; the case file is recorded. This is not a compliance conclusion.","narrative":"On 2026-10-12, claims-fastpath v1.0 (an internally developed system) produced 'pay' in a CO home 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 2 rule(s) in force on 2026-10-12 and recorded no findings.","findings":[],"point_in_time":{"as_of":"2026-10-12","basis":"transaction_date","rules_version":"2026.10+c4982313","corpus_snapshot":"2026-10-30-9c5dad5a","engine_version":"regbench-engine/0.5.0","model_version":"deterministic-1"},"evaluated_at":"2026-10-31T05:42:54.130532+00:00","fingerprint":"257b55c29c7c6925e6f7ccb0"},"review":null,"ledger":{"seq":6026,"hash":"25e98205572c9bcd1ab87d200aac231731a4534c75c53a03ad9e8dec84e57a82","prev_hash":"ceed1bb8829dca1ea9cbf5c71a98138a8cb723a0851d494df1436a3dde5a6d79","recorded_at":"2026-10-12T12:01:08+00:00"}}