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APEX-Agents · Law

World_421_ANB_02

1/5Fail

APEX-Agents task World_421_ANB_02 in AI Agents for Healthcare and Senior Living Legal Risk. Compare dual-harness agent runs across models — rubric criteria, scores, and public traces.

AI Agents for Healthcare and Senior Living Legal RiskLaw World 421Dual harnessGrader: rubric
task_ed8356c4f4c146b58d2cd869924fdfe3
Law World 421
message_in_console
7 models · dual config

Task prompt

What the agent was asked to do

Our client, Senior Living Lending, Inc. ("SLL") is a reverse mortgage and home equity line of credit lender. They want to implement a telemarketing program that relies heavily upon texting potential borrowers. SLL has heard that financial institutions are exempt from the Telemarketing Sales Rule ("TSR"). Reply in here, explaining whether they are exempt from the TSR.

Published trajectories

Agent runs on this task

Curated dual-harness runs (parsed + original sandbox). Best scored run per model.

ModelHarnessScoreResultLinks
GPT-5.5showcasedual1/5Fail
fireworks models Kimi K2dual3/5Fail
Gemini 3 Flashdual4/5Fail
Gemini 3.1 Produal3/5Fail
GPT-5.4dual1/5Fail
GPT-5.4 minidual1/5Fail
GPT-5.4 nanodual3/5Fail

Grading rubric

Criteria and grader verdict (showcase run)

  1. States that Senior Living Lending, Inc. is not exempt from the Telemarketing Sales Rule.

    Pass

    Evidence: Response says, “SLL should not assume it is exempt from the TSR” and “Unless SLL can confirm that it is itself a bank... SLL should treat the proposed... program as subject to the TSR.” Assessment: Criterion asks whether it states SLL is not exempt from the TSR. Pass; the response clearly states SLL is not generally exempt and likely covered unless it has a qualifying bank/credit-union/savings-association status.

  2. States that Senior Living Lending, Inc.'s products include non-traditional home equity lines of credit.

    Fail

    Evidence: Response refers to “reverse mortgage/HELOC telemarketing program” and “home-equity lender,” but does not mention “non-traditional home equity lines of credit.” Assessment: Criterion specifically asks whether it states SLL’s products include non-traditional HELOCs. Fail; the response only says HELOCs, not non-traditional HELOCs.

  3. States that the Telemarketing Sales Rule is subject to the jurisdiction of the Federal Trade Commission Act.

    Fail

    Evidence: Response says “some entities are outside the FTC’s jurisdiction and therefore not covered by the TSR” and discusses “FTC’s TSR jurisdiction,” but does not state that TSR is subject to the jurisdiction of the Federal Trade Commission Act. Assessment: Criterion requires stating the TSR is subject to FTCA jurisdiction. Fail; FTC jurisdiction is mentioned generally, but not the FTCA connection.

  4. States that Senior Living Lending, Inc. is not an exempt entity under the Federal Trade Commission Act.

    Fail

    Evidence: Response says “If SLL is a non-bank lender: SLL is likely covered” and qualifying exempt entities are “banks, federal credit unions, or federal savings association[s].” It does not state SLL is not exempt under the Federal Trade Commission Act. Assessment: Criterion requires stating SLL is not an exempt entity under the FTCA. Fail; response gives a conditional TSR exemption analysis but does not address FTCA exempt-entity status as such.

  5. States that the Federal Trade Commission has already enforced the Telemarketing Sales Rule against several mortgage lending companies.

    Fail

    Evidence: Response discusses TSR provisions covering credit products and advance-fee loans, but contains no statement about FTC enforcement actions against mortgage lending companies. Assessment: Criterion asks whether it states FTC has already enforced the TSR against several mortgage lending companies. Fail; this point is absent.