{"txn_id":"HL-CLM-1018","assessment_id":"ra_417cdde76cde4981","occurred_at":"2026-10-18T03:19:18+00:00","state":"NY","line_of_business":"health","stage":"claims","program_area":"Claims/Adjudication","ai_system":{"system_id":"claims-adjud","model_version":"5.1","vendor":"internal","vendor_name":null,"high_risk_class":"claims"},"inputs":{"feature_classes":["medical_records","claims_history"],"protected_factors_used":[],"ecdis_present":false,"consumer_report_used":false,"credit_used":false,"data_source_refs":[],"consumer_token":"tok_b2531ec043"},"output":{"decision":"deny","score":0.723,"reason_codes":["E-114"],"premium_delta_pct":null},"human_involvement":{"reviewed":false,"reviewer_role":"adjuster","overridden":false},"adverse_action":{"is_adverse":true,"notice_sent_at":null,"reasons_provided":true,"specific_reasons":false,"ecdis_disclosed":false,"appeal_channel":null},"carrier_note":null,"assessment":{"disposition":"FLAG","summary":"FLAG: 1 finding(s) under rules 2026.10+dbe5ddf6, corpus 2026-10-30-5f07c521. Routed to the carrier's compliance reviewer with cited findings.","narrative":"On 2026-10-18, claims-adjud v5.1 (an internally developed system) produced 'deny' in a NY health claims transaction. Inputs included medical records, claims history. No human reviewed the output before it took effect. The outcome was adverse to the consumer; no notice to the consumer is recorded. RegBench applied 1 rule(s) in force on 2026-10-18 and recorded 1 finding(s); the most serious is 'Adverse outcome from a high-risk AI system with no human review' (medium, L6).","findings":[{"rule_id":"doctrine.unreviewed-adverse-high-risk","layer":"L6","judgment_basis":"doctrine","advisory":true,"severity":"medium","title":"Adverse outcome from a high-risk AI system with no human review","required_action":"Route to the carrier's reviewer; record the review and any override on the transaction.","exhibits":["B","C"],"citations":[{"provision_id":"naic-ai-bulletin-s3-1-ais-program","label":"NAIC Model Bulletin on the Use of AI Systems by Insurers (adopted 4 Dec 2023), Section 3, 1.0 General Guidelines — the written AIS Program","source_url":"https://content.naic.org/sites/default/files/inline-files/2023-12-4%20Model%20Bulletin_Adopted_0.pdf","verified":true}]}],"point_in_time":{"as_of":"2026-10-18","rules_version":"2026.10+dbe5ddf6","corpus_snapshot":"2026-10-30-5f07c521","engine_version":"regbench-engine/0.4.0","model_version":"deterministic-1"},"evaluated_at":"2026-10-30T11:23:25.131130+00:00","fingerprint":"56629b3ae85b83cc7dd554da"},"review":{"status":"resolved","outcome":"confirmed-no-change","hours_to_resolve":39.4,"reviewer_role":"adjuster","resolved_at":"2026-10-19T18:44:44.412462+00:00"},"ledger":{"seq":1018,"hash":"c1cb4e2a890a22cf450a9b8ffc5e405a15d8047febd6d914c332b849402f7f7e","prev_hash":"f016510a35f7bad596a4c6f9e7ef0cc43171a591fdd8c71aec62ac65d686e396","recorded_at":"2026-10-18T03:20:09+00:00"}}