Regulatory Assessment

BB-FRD-0395 PASS

TX · auto · fraud · decided 2026-10-13 08:40 UTC · Bluebonnet Mutual Insurance Company (fictional)

On 2026-10-13, 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 2026-10-13 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 2026-10-13 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: 2026-10-13
Rules version: 2026.10+c4982313
Corpus snapshot: 2026-10-30-9c5dad5a
Engine: regbench-engine/0.5.0 · deterministic-1
Fingerprint: 3ffb44c08c60ef8308ad487d (pattern grouping, not an integrity check)
Input digest: 617288ada4f3ca950118a0c4a8a510acd0a5c2a8341c892f355ea7d43935d781
Evaluated: 2026-10-31 05:42:53 UTC
Exhibit C case file: yes

Ledger

Entry: #5898 · assessment · recorded 2026-10-13T08:41:52+00:00
Hash: f844cdb7aa818cbb38f3f6da51cae40fae8cba402021b3d87d377f5ed29f1d95
Previous: a777ee2d274061f2f2634d4c8d008fd26e5c34b6ea5a64b910d0871b2ea49449
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 0.384
Human review: none
Adverse to consumer: False
Notice: not recorded · reasons: False · specific: False · external data disclosed: False
Appeal channel: –
Consumer token: tok_9747a23a45