Regulatory Assessment
BB-FRD-0415 PASS
TX · home · fraud · decided 2026-10-14 15:49 UTC · Bluebonnet Mutual Insurance Company (fictional)
On 2026-10-14, fnol-fraud v3.1 (a third-party system from Sentinel Analytics (fictional)) produced 'pay' in a TX home 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 2026-10-14 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 2026-10-14 for this state, line and stage. The case file is recorded all the same.
Point in time
- Law as of
- 2026-10-14
- Rules version
- 2026.10+dbe5ddf6
- Corpus snapshot
- 2026-10-30-5f07c521
- Engine
- regbench-engine/0.4.0 · deterministic-1
- Fingerprint
- 09d21d77f8cc8d5a140eea25
- Evaluated
- 2026-10-30 11:23:23 UTC
- Exhibit C case file
- yes
Ledger
- Entry
- #415 · assessment · recorded 2026-10-14T15:50:35+00:00
- Hash
- 0aae165d74f6cffd258f1d9e8c5da53447f4305dad999709027702af4608db2b
- Previous
- 46f4ae19ff5883b32c1675e3d483ea4fc069f70687462e592858000a71708bb7
- 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
- pay · score 0.411
- Human review
- none
- Adverse to consumer
- False
- Notice
- not recorded · reasons: False · specific: False · external data disclosed: False
- Appeal channel
- –
- Consumer token
- tok_24e438f48b