Regulatory Assessment

BB-FRD-0419 PASS

CO · auto · fraud · decided 2026-09-30 14:54 UTC · Bluebonnet Mutual Insurance Company (fictional)

On 2026-09-30, fnol-fraud v3.1 (a third-party system from Sentinel Analytics (fictional)) produced 'pay' in a CO 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 1 rule(s) in force on 2026-09-30 and recorded no findings.

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. Coverage unsupported: No black-letter rule in the pack covers a CO auto fraud transaction. Nothing binding was checked, so no disposition here says anything about compliance.

Coverage: unsupported. No black-letter rule in the pack covers a CO auto fraud transaction. Nothing binding was checked, so no disposition here says anything about compliance. 1 of 30 rules applied.

Evidence (missing). Missing evidence: ai_system.governance_attested, ai_system.model_doc_ref, ai_system.testing_report_ref. Supplied but unverified: inputs.data_source_refs.

Findings (0)

No configured check fired under the rules in force on 2026-09-30 for this state, line and stage. That is not a compliance conclusion; the case file is recorded all the same.

Point in time

Law as of: 2026-09-30
Rules version: 2026.10+c4982313
Corpus snapshot: 2026-10-30-9c5dad5a
Engine: regbench-engine/0.5.0 · deterministic-1
Fingerprint: c60e197d4d843c162f433157 (pattern grouping, not an integrity check)
Input digest: 654792f4299c736e88d5663af37fbffb4b1aa75c1da7d55800404075fddb91ea
Evaluated: 2026-10-31 05:42:53 UTC
Exhibit C case file: yes

Ledger

Entry: #5922 · assessment · recorded 2026-09-30T14:55:57+00:00
Hash: 4e205793fff714d6e3d15cb923568e79d094f49db96af1fad63426e7f40908a5
Previous: b0581c9ea91e4b002f36f16e8fd8c3e0756d637f28b9699020ecbd138a6d4b13
Stored copy intact: yes, hashes match
Assessed input intact: yes, revision 1 matches the input digest

Verify the whole chain Case file JSON

Carrier review

No review item: the disposition was PASS.

Recorded facts revision 1

As asserted by the carrier. References are recorded, not verified: RegBench holds no copy of the documents they name.

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: pay · score 0.399
Human review: none
Adverse to consumer: False
Notice: not recorded · reasons: False · specific: False · external data disclosed: False
Appeal channel: –
Consumer token: tok_ae58d48636