{"txn_id":"BB-FRD-0400","assessment_id":"ra_d9fbb7d2fd5345b7","occurred_at":"2026-10-16T07:05:56+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_2e4f6cf200"},"output":{"decision":"pay","score":0.227,"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 2026-10-16, 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 2026-10-16 and recorded no findings.","findings":[],"point_in_time":{"as_of":"2026-10-16","rules_version":"2026.10+dbe5ddf6","corpus_snapshot":"2026-10-30-5f07c521","engine_version":"regbench-engine/0.4.0","model_version":"deterministic-1"},"evaluated_at":"2026-10-30T11:23:23.519637+00:00","fingerprint":"5be029958d703ef85613ab6f"},"review":null,"ledger":{"seq":400,"hash":"7f0e994eeaf2dd4954e16d1ce169c25afbd365cca64d9073c925c5497763564d","prev_hash":"6ca2e53d1e5cbd34f5d4d3c2fc78199746c37a90896f94bf9430dae8caa847b8","recorded_at":"2026-10-16T07:06:49+00:00"}}