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AI Labs · updated 2026-06-03 · methodology v2.1

Finding on 'Q007 Probe' for Claude Sonnet 4.6 with web search ON

RLB Citation ID: RLB-H-INT-BIS-CPMI-ISO-20022-HARMONISATION-UPDATED-2026-Q007-Sonnet46
What the RLB Specialist Panel found

Finding on 'Q007 Probe' for Claude Sonnet 4.6 with web search ON

  • Question (paraphrased to protect IP): What percentage of cross-border payments generate inquiries requiring manual resolution, and by how much can ISO 20022 harmonisation reduce resolution time, according to official CPMI or FSB statements?
  • AI's response: "No specific official statistic from CPMI or FSB officials giving a precise percentage of cross-border payments that generate inquiries...was identified in the sources reviewed."
  • Regulator's text: Fabio Panetta speech (12 March 2026): "1-3 per cent of payments generate inquiries typically requiring 5-10 manual touchpoints"; resolution times reducible "by up to 80 per cent" through harmonised ISO 20022 implementation.
  • Why the AI went wrong: The regulator's record contains an official speech from 12 March 2026 giving precise figures on both the inquiry rate and the resolution-time reduction — published by the BIS. The model returned a false negative, asserting no such official statistic existed. The failure is not a numeric misread but a retrieval gap: the speech containing these figures appears to fall outside the model's effective retrieval window, and the model produced a confident "not found" rather than surfacing uncertainty about its coverage of early-2026 official BIS content.
  • Cited source(s):
Impact for this audience

This failure implicates retrieval coverage of early-2026 BIS official-speech content and the calibration signal distinguishing 'not found' from 'outside retrieval window.' The model returned a confident false negative on statistics that appear in a datestamped BIS speech from 12 March 2026 — figures on inquiry rate and resolution-time reduction that are precise and attributable. The web search tool did not surface this content, and the model escalated to a definitive 'no such statistic exists' rather than signalling coverage uncertainty.

For users in compliance or payment-operations roles, a false negative on an official quantitative claim is as harmful as a wrong number.

References — raw findings (per AI model)
This finding also affects
← Previous finding Finding on 'Q004 Probe' for Claude Sonnet 4.6 with web search ON
Cite this finding

Each finding has a stable Citation ID (RLB-F-… for aggregated case-study findings, RLB-H-… for raw per-model hallucinations) — like a DOI, the ID always resolves to the canonical finding even if URLs change.

RLB Citation ID: RLB-H-INT-BIS-CPMI-ISO-20022-HARMONISATION-UPDATED-2026-Q007-Sonnet46
Plain text Download 
RegLeg Specialist Panel (2026). "Finding on 'Q007 Probe' for Claude Sonnet 4.6 with web search ON — AI Labs." Citation ID: RLB-H-INT-BIS-CPMI-ISO-20022-HARMONISATION-UPDATED-2026-Q007-Sonnet46. RegLegBrief AI Hallucination Research, published 2026-06-03. https://reglegbrief.com/regulators/j1/int/bis-cpmi/cpmi-iso-20022-harmonisation-updated-2026/whitepaper/finding/INT-BIS-CPMI-INT-001-CPMI-ISO-20022-HARMONISATION-UPDATED-2026-v1-007--sonnet-46-websearch/
APA 7th edition Download 
RegLeg Specialist Panel. (2026). Finding on 'Q007 Probe' for Claude Sonnet 4.6 with web search ON [Hallucination finding RLB-H-INT-BIS-CPMI-ISO-20022-HARMONISATION-UPDATED-2026-Q007-Sonnet46]. RegLegBrief AI Hallucination Research. https://reglegbrief.com/regulators/j1/int/bis-cpmi/cpmi-iso-20022-harmonisation-updated-2026/whitepaper/finding/INT-BIS-CPMI-INT-001-CPMI-ISO-20022-HARMONISATION-UPDATED-2026-v1-007--sonnet-46-websearch/
Bluebook / OSCOLA (US + UK legal) Download 
RegLeg Specialist Panel, Finding on 'Q007 Probe' for Claude Sonnet 4.6 with web search ON [RLB-H-INT-BIS-CPMI-ISO-20022-HARMONISATION-UPDATED-2026-Q007-Sonnet46], RegLegBrief AI Hallucination Research (June 03, 2026), https://reglegbrief.com/regulators/j1/int/bis-cpmi/cpmi-iso-20022-harmonisation-updated-2026/whitepaper/finding/INT-BIS-CPMI-INT-001-CPMI-ISO-20022-HARMONISATION-UPDATED-2026-v1-007--sonnet-46-websearch/.
BibTeX Download 
@misc{reglegbrief_RLB_H_INT_BIS_CPMI_ISO_20022_HARMONISATION_UPDATED_2026_Q007_Sonnet46,
  author    = {RegLeg Specialist Panel},
  title     = {Finding on 'Q007 Probe' for Claude Sonnet 4.6 with web search ON},
  year      = {2026},
  publisher = {RegLegBrief AI Hallucination Research},
  note      = {Hallucination finding Citation ID: RLB-H-INT-BIS-CPMI-ISO-20022-HARMONISATION-UPDATED-2026-Q007-Sonnet46},
  url       = {https://reglegbrief.com/regulators/j1/int/bis-cpmi/cpmi-iso-20022-harmonisation-updated-2026/whitepaper/finding/INT-BIS-CPMI-INT-001-CPMI-ISO-20022-HARMONISATION-UPDATED-2026-v1-007--sonnet-46-websearch/}
}
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