Regulatory Assessment

BB-FRD-0349 PASS

TX · auto · fraud · decided 2026-10-12 13:23 UTC · Bluebonnet Mutual Insurance Company (fictional)

On 2026-10-12, fnol-fraud v3.1 (a third-party system from Sentinel Analytics (fictional)) produced 'pay' in a TX 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 4 rule(s) in force on 2026-10-12 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: supported. 3 state-specific and 0 general black-letter rule(s) applied to this TX auto fraud transaction. Only the configured checks were run; a result is not a legal opinion on compliance. 4 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 2026-10-12 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: 2026-10-12
Rules version: 2026.10+c4982313
Corpus snapshot: 2026-10-30-9c5dad5a
Engine: regbench-engine/0.5.0 · deterministic-1
Fingerprint: acd3551be4d050156fa14560 (pattern grouping, not an integrity check)
Input digest: 00d5dc1ccb868e359f3035b28e6231d12f4851fc1294d5a7846cfd5cb3e9aacb
Evaluated: 2026-10-31 05:42:53 UTC
Exhibit C case file: yes

Ledger

Entry: #5852 · assessment · recorded 2026-10-12T13:25:27+00:00
Hash: c68785f8de9527b2dd0a836af0a4e0ed00719170b2778c5b3bbb28a78cad4650
Previous: 3d6211052fbe84c450fcb4a7f10d82e0943fddb1f54086a564c676e377687e86
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 0.25
Human review: none
Adverse to consumer: False
Notice: not recorded · reasons: False · specific: False · external data disclosed: False
Appeal channel: –
Consumer token: tok_aea3e95c9d