{"txn_id":"HL-UR-0974","assessment_id":"ra_3e3e640532204bd8","occurred_at":"2026-10-18T23:16:06+00:00","state":"NY","line_of_business":"health","stage":"utilization_review","program_area":"Utilization Management/Utilization Review/Prior Authorization/Level of Care Determination","ai_system":{"system_id":"ur-auto","model_version":"2.0","vendor":"third_party","vendor_name":"ClinPath AI (fictional)","high_risk_class":"utilization_review"},"inputs":{"feature_classes":["clinical_criteria","medical_records"],"protected_factors_used":[],"ecdis_present":false,"consumer_report_used":false,"credit_used":false,"data_source_refs":["ehr://harborline/clinical-record"],"consumer_token":"tok_cfc3064bd9"},"output":{"decision":"approve","score":0.022,"reason_codes":[],"premium_delta_pct":null},"human_involvement":{"reviewed":false,"reviewer_role":"nurse","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 2026-10-18, ur-auto v2.0 (a third-party system from ClinPath AI (fictional)) produced 'approve' in a NY health utilization review transaction. Inputs included clinical criteria, medical records. 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 2026-10-18 and recorded no findings.","findings":[],"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":"2026-10-30T11:23:25.040566+00:00","fingerprint":"e01a226b743ff1e027e7f472"},"review":null,"ledger":{"seq":974,"hash":"1c2e7f3cf9a2b96e9bf2f2c04ad3c90d3d076d4600ef4eb2b42965eed55b713f","prev_hash":"943c339c6a8df7d16733e6fe389de9e3c210c3214dcac791a0de685f187f97ad","recorded_at":"2026-10-18T23:19:26+00:00"}}