{"txn_id":"BB-FRD-0345","assessment_id":"ra_b62f7105138c4e75","occurred_at":"2026-10-12T03:47:50+00:00","state":"CO","line_of_business":"auto","stage":"fraud","program_area":"Fraud/Waste & Abuse","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_f17c5600cc"},"output":{"decision":"pay","score":0.206,"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":"f9cb2979384ac8cf5d6ee02d6c77bf1550e2419b987139de3c0ee14cfd36daaa","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":"unsupported","state_rules_applied":0,"general_rules_applied":0,"advisory_rules_applied":1,"rules_considered":30,"rules_applied":["doctrine.unreviewed-adverse-high-risk"],"statement":"No black-letter rule in the pack covers a CO auto fraud transaction. Nothing binding was checked, so no disposition here says anything about compliance."},"evidence":{"status":"missing","asserted":["inputs.data_source_refs"],"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. Supplied but unverified: inputs.data_source_refs."},"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. Coverage unsupported: No black-letter rule in the pack covers a CO auto fraud transaction. Nothing binding was checked, so no disposition here says anything about compliance.","narrative":"On 2026-10-12, fnol-fraud v3.1 (a third-party system from Sentinel Analytics (fictional)) produced 'pay' in a CO auto fraud transaction. Inputs included claims history, geography, social media. No human reviewed the output before it took effect. The outcome was not adverse to the consumer. RegBench applied 1 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":"2026-10-31T05:42:53.607232+00:00","fingerprint":"93cb74af6ab0ae836e47f2c5"},"review":null,"ledger":{"seq":5848,"hash":"722b14cb3eea92e01e3f18235123743e497a943aa6f07eb5df04116cf519af06","prev_hash":"ffa1ac3e8ba6eda1d264943705b493af31f2bd105c7eec4333f44f849279b452","recorded_at":"2026-10-12T03:49:36+00:00"}}