{"txn_id":"BB-FRD-0440","assessment_id":"ra_3de8d11de81e4ee2","occurred_at":"2026-10-17T21:44:06+00:00","state":"TX","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_8301f02626"},"output":{"decision":"pay","score":0.186,"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 2026-10-17, fnol-fraud v3.1 (a third-party system from Sentinel Analytics (fictional)) produced 'pay' in a TX 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 4 rule(s) in force on 2026-10-17 and recorded no findings.","findings":[],"point_in_time":{"as_of":"2026-10-17","rules_version":"2026.10+dbe5ddf6","corpus_snapshot":"2026-10-30-5f07c521","engine_version":"regbench-engine/0.4.0","model_version":"deterministic-1"},"evaluated_at":"2026-10-30T11:23:23.628404+00:00","fingerprint":"0e6eacfd52618c5209c17549"},"review":null,"ledger":{"seq":440,"hash":"352007dcd2195f4e41be7ff432adf61a68624463c86d7adbbe21fe188a90f169","prev_hash":"9bfc28d3a5502d0222f08c07760544b0a40feda1a94c4cf74847ad189ccf2145","recorded_at":"2026-10-17T21:44:41+00:00"}}