{"txn_id":"BB-FRD-0440","assessment_id":"ra_9144b70c93094a51","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,"input":{"revision":1,"current_revision":1,"input_digest":"674e098fb3850ef2d4d639eee34026856870ce113e8daee7350a32d78e6f50e7","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 auto 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 2026-10-17, 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","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":"2026-10-31T05:42:53.875155+00:00","fingerprint":"723270d4c15d2afb7b9a9c35"},"review":null,"ledger":{"seq":5943,"hash":"ac0cc6e454c16c5a8f077ca1fec5da30c90aa95a9f8c188b6e4b53125936757c","prev_hash":"7c48ca1db62fe41c5af38a267bc6a7b3c1f708c3fb40e04132dbdd4eede12b36","recorded_at":"2026-10-17T21:44:41+00:00"}}