Regulatory Assessment

BB-CLM-0464 PASS

TX · home · claims · decided 2026-10-20 15:18 UTC · Bluebonnet Mutual Insurance Company (fictional)

On 2026-10-20, claims-fastpath v1.0 (an internally developed system) produced 'pay' in a TX home 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 7 rule(s) in force on 2026-10-20 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. 6 state-specific and 0 general black-letter rule(s) applied to this TX home claims transaction. Only the configured checks were run; a result is not a legal opinion on compliance. 7 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 2026-10-20 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: 2026-10-20
Rules version: 2026.10+c4982313
Corpus snapshot: 2026-10-30-9c5dad5a
Engine: regbench-engine/0.5.0 · deterministic-1
Fingerprint: 106f6a80876b43f398cc7b97 (pattern grouping, not an integrity check)
Input digest: 56bb8ae78a22b5be6acba64f962f6c50941a32849c5ff9e9e9312f08694ef709
Evaluated: 2026-10-31 05:42:53 UTC
Exhibit C case file: yes

Ledger

Entry: #5967 · assessment · recorded 2026-10-20T15:19:50+00:00
Hash: 6655aca44330f8206e09e25a365c4f9fd1432cb5c9ca74ac0a08f5f425e4a881
Previous: b6078e57c99d347163eb48f4b4b7f83a1391acf5e12c2f544a7fbcadf9a4834e
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 0.149
Human review: none
Adverse to consumer: False
Notice: not recorded · reasons: False · specific: False · external data disclosed: False
Appeal channel: –
Consumer token: tok_5121f011ca