Regulatory Assessment

BB-CLM-0538 PASS

CO · home · claims · decided 2026-10-07 06:23 UTC · Bluebonnet Mutual Insurance Company (fictional)

On 2026-10-07, claims-fastpath v1.0 (an internally developed system) produced 'partial pay' in a CO home claims transaction. Inputs included claims history, property. A human reviewed the output by a adjuster. The outcome was adverse to the consumer; no notice to the consumer is recorded. RegBench applied 2 rule(s) in force on 2026-10-07 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. 1 state-specific and 0 general black-letter rule(s) applied to this CO home claims transaction. Only the configured checks were run; a result is not a legal opinion on compliance. 2 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 2026-10-07 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: 2026-10-07
Rules version: 2026.10+c4982313
Corpus snapshot: 2026-10-30-9c5dad5a
Engine: regbench-engine/0.5.0 · deterministic-1
Fingerprint: cb2278c31b9b90ddf91c55c5 (pattern grouping, not an integrity check)
Input digest: b6eca1fcffdaf8fb7610b5dedca1184f427df912577d3af8b56e99b7191cfed0
Evaluated: 2026-10-31 05:42:54 UTC
Exhibit C case file: yes

Ledger

Entry: #6041 · assessment · recorded 2026-10-07T06:24:53+00:00
Hash: 2e90bfbda2d86acb8882ed2761118ab55ac2eff9a402cf98638e40c5f76d0578
Previous: a5dab344a2202d3e6ba4c4f5598559666a7414e77c0cd99c62b508ce5612683b
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: partial pay · score 0.552
Human review: yes (adjuster)
Adverse to consumer: True
Notice: not recorded · reasons: False · specific: False · external data disclosed: False
Appeal channel: –
Consumer token: tok_aee7001469