Regulatory Assessment
AGENT-CLM-114554 PASS
TX · auto · claims · decided 2026-10-30 11:45 UTC · Bluebonnet Mutual Insurance Company (fictional)
On 2026-10-30, fnol-fraud v3.1 (a third-party system from Sentinel Analytics (fictional)) produced 'refer' in a TX auto claims transaction. Inputs included claims history, geography, social media. A human reviewed the output by a adjuster. The outcome was adverse to the consumer; no notice to the consumer is recorded. RegBench applied 7 rule(s) in force on 2026-10-30 and recorded no findings.
PASS: 0 finding(s) under rules 2026.10+dbe5ddf6, corpus 2026-10-30-5f07c521. No regulatory finding; the case file is recorded.
Findings (0)
No finding under the rules in force on 2026-10-30 for this state, line and stage. The case file is recorded all the same.
Point in time
- Law as of
- 2026-10-30
- Rules version
- 2026.10+dbe5ddf6
- Corpus snapshot
- 2026-10-30-5f07c521
- Engine
- regbench-engine/0.4.0 · deterministic-1
- Fingerprint
- 46100ce81c2ec68b7f9def8f
- Evaluated
- 2026-10-30 11:45:54 UTC
- Exhibit C case file
- yes
Ledger
- Entry
- #1376 · assessment · recorded 2026-10-30T11:45:54.473940+00:00
- Hash
- fb7ad24c0e1c970a7a861fe3e85a78bbcbda7d42aab39b66b11c6bd0a1686566
- Previous
- 924ac515d769421e58aa8ef9a7a4445041a6a7cb1f143f7817d9c1f7d8492878
- Stored copy intact
- yes, hashes match
Carrier review
No review item: the disposition was PASS.
Recorded facts
- AI system
- fnol-fraud v3.1 · third party (Sentinel Analytics (fictional)) · high-risk class: fraud
- Governance attested
- False
- Testing report
- none recorded
- Model documentation
- none recorded
- Feature classes
- claims_history, geography, social_media
- Protected factors used
- none
- External data (ECDIS)
- False
- Consumer report / credit
- False / False
- Data sources
- vendor://sentinel/fnol
- Decision
- refer · score 0.93 · codes F07
- Human review
- yes (adjuster)
- Adverse to consumer
- True
- Notice
- not recorded · reasons: True · specific: True · external data disclosed: False
- Appeal channel
- –
- Consumer token
- tok_agent_demo