Regulatory Assessment

BB-CLM-0513 PASS

CO · auto · claims · decided 2026-10-18 15:10 UTC · Bluebonnet Mutual Insurance Company (fictional)

On 2026-10-18, claims-fastpath v1.0 (an internally developed system) produced 'pay' in a CO auto claims transaction. Inputs included claims history, property. No human reviewed the output before it took effect. The outcome was not adverse to the consumer. RegBench applied 5 rule(s) in force on 2026-10-18 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. 4 state-specific and 0 general black-letter rule(s) applied to this CO auto claims transaction. Only the configured checks were run; a result is not a legal opinion on compliance. 5 of 30 rules applied.

Evidence (missing). Missing evidence: ai_system.governance_attested, ai_system.model_doc_ref, ai_system.testing_report_ref.

Findings (0)

No configured check fired under the rules in force on 2026-10-18 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: 2026-10-18
Rules version: 2026.10+c4982313
Corpus snapshot: 2026-10-30-9c5dad5a
Engine: regbench-engine/0.5.0 · deterministic-1
Fingerprint: 9c472bad751df5f9f8dbb6c0 (pattern grouping, not an integrity check)
Input digest: 486ff1d4fbd80f74f39cdebb8a6a71d9c451e9bc5a78b5dc183031e05acac7dd
Evaluated: 2026-10-31 05:42:54 UTC
Exhibit C case file: yes

Ledger

Entry: #6016 · assessment · recorded 2026-10-18T15:11:36+00:00
Hash: 933646c5d7639210b4e2c3269bd46135a69559b9c1459dcd1eb44190ee525ca7
Previous: ca95230ddbe6c1d3fb573b2aa34a20d41e44ff6eb3a0f23e3e37bdb0b10c96ee
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: claims-fastpath v1.0 · internal · high-risk class: claims
Governance attested: False
Testing report: none recorded
Model documentation: none recorded
Feature classes: claims_history, property
Protected factors used: none
External data (ECDIS): False
Consumer report / credit: False / False
Data sources: none recorded

Decision: pay · score 0.228
Human review: none
Adverse to consumer: False
Notice: not recorded · reasons: False · specific: False · external data disclosed: False
Appeal channel: –
Consumer token: tok_8347852927