{"txn_id":"BB-CLM-0538","assessment_id":"ra_74e32b87237643ab","occurred_at":"2026-10-07T06:23:59+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_aee7001469"},"output":{"decision":"partial_pay","score":0.552,"reason_codes":[],"premium_delta_pct":null},"human_involvement":{"reviewed":true,"reviewer_role":"adjuster","overridden":false},"adverse_action":{"is_adverse":true,"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":"b6eca1fcffdaf8fb7610b5dedca1184f427df912577d3af8b56e99b7191cfed0","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 2026-10-07, claims-fastpath v1.0 (an internally developed system) produced 'partial pay' in a CO home claims transaction. Inputs included claims history, property. A human reviewed the output by a adjuster. The outcome was adverse to the consumer; no notice to the consumer is recorded. RegBench applied 2 rule(s) in force on 2026-10-07 and recorded no findings.","findings":[],"point_in_time":{"as_of":"2026-10-07","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":"2026-10-31T05:42:54.171278+00:00","fingerprint":"cb2278c31b9b90ddf91c55c5"},"review":null,"ledger":{"seq":6041,"hash":"2e90bfbda2d86acb8882ed2761118ab55ac2eff9a402cf98638e40c5f76d0578","prev_hash":"a5dab344a2202d3e6ba4c4f5598559666a7414e77c0cd99c62b508ce5612683b","recorded_at":"2026-10-07T06:24:53+00:00"}}