{"txn_id":"BB-FRD-0415","assessment_id":"ra_33771de269464641","occurred_at":"2026-10-14T15:49:06+00:00","state":"TX","line_of_business":"home","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_24e438f48b"},"output":{"decision":"pay","score":0.411,"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":"3cab7056ff7a84fa7f5bda0108a1c1cb4ba56f3717f1f8504a1c1c8b936820b5","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":3,"general_rules_applied":0,"advisory_rules_applied":1,"rules_considered":30,"rules_applied":["doctrine.unreviewed-adverse-high-risk","tx.542.algorithmic-denial-without-human-review","tx.tdi.consequential-decision-without-human-review","tx.traiga.ai-discrimination-context"],"statement":"3 state-specific and 0 general black-letter rule(s) applied to this TX home fraud transaction. Only the configured checks were run; a result is not a legal opinion on 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.","narrative":"On 2026-10-14, fnol-fraud v3.1 (a third-party system from Sentinel Analytics (fictional)) produced 'pay' in a TX home 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 4 rule(s) in force on 2026-10-14 and recorded no findings.","findings":[],"point_in_time":{"as_of":"2026-10-14","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":"2026-10-31T05:42:53.809157+00:00","fingerprint":"16cc9d3122bcc9cdd042ca0a"},"review":null,"ledger":{"seq":5918,"hash":"cb832cc86e6993f2276a3082bf556eb6a4ac5e02ce44bde8b93665763a73af6f","prev_hash":"f541a1a049e66eeaa3ae51449e44e666343d20526fd87a102d708e7758a150e2","recorded_at":"2026-10-14T15:50:35+00:00"}}