{"txn_id":"HL-CLM-1048","assessment_id":"ra_18f23683fbba411c","occurred_at":"2026-09-05T13:26:30+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_3892fd7503"},"output":{"decision":"pay","score":0.242,"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 2026-09-05, claims-adjud v5.1 (an internally developed system) produced 'pay' in a NY health claims transaction. Inputs included medical records, claims history. 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 2026-09-05 and recorded no findings.","findings":[],"point_in_time":{"as_of":"2026-09-05","rules_version":"2026.10+dbe5ddf6","corpus_snapshot":"2026-10-30-5f07c521","engine_version":"regbench-engine/0.4.0","model_version":"deterministic-1"},"evaluated_at":"2026-10-30T11:23:25.190096+00:00","fingerprint":"826c4505164c23539bea4411"},"review":null,"ledger":{"seq":1048,"hash":"8e8473e08da06a5eb485baad42175193c01ee09760f7d871ca255ce1a3e4d457","prev_hash":"69a6b2e8838990bf3ff90bb05e03ca08a7d837d0f4ae4c76301950df3eb768bb","recorded_at":"2026-09-05T13:27:57+00:00"}}