{"txn_id":"BB-FRD-0363","assessment_id":"ra_3f703c47127347cb","occurred_at":"2026-10-22T18:54:58+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_7b2cda7b64"},"output":{"decision":"pay","score":0.064,"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, 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 2026-10-22 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":"2026-10-30T11:23:23.434271+00:00","fingerprint":"c4e03efc1e85c0ca46fb7e5d"},"review":null,"ledger":{"seq":363,"hash":"986e6c624082bfc56acd9350116efce29abb7de67dc0682c29404aeb0a2a8782","prev_hash":"9479c6d8bfdc12f12d30ff79f38ae5bb5e827ae6ea3fd1c2f3f486344903e32d","recorded_at":"2026-10-22T18:56:44+00:00"}}