Regulatory Assessment

BB-FRD-0418 PASS

TX · home · fraud · decided 2026-10-03 20:52 UTC · Bluebonnet Mutual Insurance Company (fictional)

On 2026-10-03, 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 2026-10-03 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 home 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 2026-10-03 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: 2026-10-03
Rules version: 2026.10+c4982313
Corpus snapshot: 2026-10-30-9c5dad5a
Engine: regbench-engine/0.5.0 · deterministic-1
Fingerprint: 92241acb7644356a2768ca3d (pattern grouping, not an integrity check)
Input digest: b34d88dc99d15e442647c00993a77eff44c41beb3565f84fb9b9439d04f4fd9a
Evaluated: 2026-10-31 05:42:53 UTC
Exhibit C case file: yes

Ledger

Entry: #5921 · assessment · recorded 2026-10-03T20:56:03+00:00
Hash: b0581c9ea91e4b002f36f16e8fd8c3e0756d637f28b9699020ecbd138a6d4b13
Previous: 874ddb6ed86ecbbfdf6e1825b84079242d14f0c1c46ef9d027e9ab54c70c46f7
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 0.083
Human review: none
Adverse to consumer: False
Notice: not recorded · reasons: False · specific: False · external data disclosed: False
Appeal channel: –
Consumer token: tok_eddf897baf