Operator guide
Why Regulated Sites Need User-Present Agent Mode
Evidence-backed guide to government, healthcare, insurance, legal, and finance workflows that require user-present boundaries.
Publication gate
IndexableThis report has at least 25 qualifying evidence-backed rows and is eligible for search indexing.
- 1,202
- ranked rows
- 1,492 observations
- evidence
- 100%
- need a person nearby
- Jul 8, 2026
- last verified
Operator guide
Current through Jul 8, 2026, 1,202 CrawlDex rows match this report's evidence criteria.
Which regulated public-service rows show login, two-factor, final-action, or handoff blockers?
Rows qualify when government, healthcare, insurance, legal, or finance tasks carry login, two-factor, final-action, or handoff blockers.
What site owners can make clearer
- Make read-only eligibility, status, and policy checks available before account login.
- Label identity checks and final submissions as user-present steps.
- Provide durable confirmation states after appointments, claims, payments, or filings.
What agent builders should plan for
- Run regulated workflows in user-present mode by default.
- Stop before submissions, payments, bookings, filings, or identity checks.
- Use public evidence rows for planning and avoid collecting private account contents.
Live rows
Ranked from current CrawlDex evidence
| Rank | Site task | Verdict | AES | Evidence | Main blocker |
|---|---|---|---|---|---|
| 1 | Travelexinsurance insurance.travel_claim_status travelexinsurance.com | Blocked | 34 | 3 | login walls |
| 2 | Joinroot insurance.file_or_track_claim joinroot.com | Blocked | 44 | 3 | login walls |
| 3 | Molinahealthcare insurance.health_claim_or_appeal_lookup molinahealthcare.com | Blocked | 44 | 3 | login walls |
| 4 | Dmv Ca gov_civic.renew_vehicle_registration dmv.ca.gov | Blocked | 51 | 3 | CAPTCHA checks |
| 5 | Consumerfinance gov_civic.file_complaint consumerfinance.gov | Blocked | 52 | 3 | CAPTCHA checks |
| 6 | Uspto gov_civic.search_public_records uspto.gov | Blocked | 46 | 4 | CAPTCHA checks |
| 7 | Recreation gov_civic.apply_for_permit recreation.gov | Blocked | 50 | 3 | login walls |
| 8 | My Clevelandclinic healthcare_admin.book_appointment my.clevelandclinic.org | Blocked | 56 | 4 | login walls |
| 9 | Va healthcare_admin.book_appointment va.gov | Blocked | 56 | 4 | login walls |
| 10 | Sba gov_civic.register_business sba.gov | Needs user presence | 58 | 3 | login walls |
| 11 | Xfinity finance_bills.pay_utility_bill xfinity.com | Blocked | 61 | 3 | login walls |
| 12 | Reportfraud Ftc gov_civic.file_complaint reportfraud.ftc.gov | Blocked | 39 | 3 | CAPTCHA checks |
| 13 | Sam gov_civic.register_business sam.gov | Needs user presence | 58 | 4 | login walls |
| 14 | Walgreens healthcare_admin.refill_prescription walgreens.com | Blocked | 59 | 4 | login walls |
| 15 | Allianztravelinsurance insurance.travel_claim_status allianztravelinsurance.com | Blocked | 60 | 3 | login walls |
| 16 | Cvs healthcare_admin.refill_prescription cvs.com | Blocked | 60 | 3 | login walls |
| 17 | Equifax finance_bills.credit_report_freeze_or_dispute equifax.com | Blocked | 60 | 3 | two-factor checks that need the user present |
| 18 | Experian finance_bills.credit_report_freeze_or_dispute experian.com | Blocked | 60 | 3 | two-factor checks that need the user present |
| 19 | Travelguard insurance.travel_claim_status travelguard.com | Blocked | 60 | 3 | login walls |
| 20 | Coned finance_bills.pay_utility_bill coned.com | Blocked | 61 | 3 | login walls |
| 21 | Verizon finance_bills.pay_utility_bill verizon.com | Blocked | 61 | 3 | login walls |
| 22 | Fpl finance_bills.pay_utility_bill fpl.com | Blocked | 62 | 3 | login walls |
| 23 | Sce finance_bills.pay_utility_bill sce.com | Blocked | 62 | 3 | login walls |
| 24 | Mychart healthcare_admin.request_records mychart.org | Completes with friction | 60 | 3 | login walls |
| 25 | Worldnomads insurance.travel_claim_status worldnomads.com | Blocked | 60 | 3 | login walls |
| 26 | Cms healthcare_admin.ask_about_estimate cms.gov | Blocked | 53 | 3 | login walls |
| 27 | Irs gov_civic.check_tax_refund irs.gov | Blocked | 58 | 3 | CAPTCHA checks |
| 28 | Login legal_admin.understand_gov_identity login.gov | Blocked | 59 | 4 | two-factor checks that need the user present |
| 29 | Proof legal_admin.online_notarization proof.com | Completes with friction | 68 | 3 | login walls |
| 30 | Ambetterhealth insurance.health_claim_or_appeal_lookup ambetterhealth.com | Completes with friction | 69 | 3 | login walls |
| 31 | Bcbs insurance.health_claim_or_appeal_lookup bcbs.com | Completes with friction | 69 | 3 | login walls |
| 32 | Deltadental insurance.health_claim_or_appeal_lookup deltadental.com | Completes with friction | 69 | 3 | login walls |
| 33 | Acuity insurance.file_or_track_claim acuity.com | Completes with friction | 70 | 3 | login walls |
| 34 | Americanexpress finance_bills.dispute_transaction americanexpress.com | Completes with friction | 70 | 3 | login walls |
| 35 | Amfam insurance.file_or_track_claim amfam.com | Completes with friction | 70 | 3 | login walls |
| 36 | Capitalone finance_bills.dispute_transaction capitalone.com | Completes with friction | 70 | 3 | login walls |
| 37 | Chase finance_bills.dispute_transaction chase.com | Completes with friction | 70 | 3 | login walls |
| 38 | Chime finance_bills.dispute_transaction chime.com | Completes with friction | 70 | 3 | login walls |
| 39 | Cinfin insurance.file_or_track_claim cinfin.com | Completes with friction | 70 | 3 | login walls |
| 40 | Discover finance_bills.dispute_transaction discover.com | Completes with friction | 70 | 3 | login walls |
| 41 | Eftps finance_bills.tax_payment_or_refund_lookup eftps.gov | Completes with friction | 70 | 3 | login walls |
| 42 | Geico insurance.file_or_track_claim geico.com | Completes with friction | 70 | 3 | login walls |
| 43 | Libertymutual insurance.file_or_track_claim libertymutual.com | Completes with friction | 70 | 3 | login walls |
| 44 | Mercuryinsurance insurance.file_or_track_claim mercuryinsurance.com | Completes with friction | 70 | 3 | login walls |
| 45 | Openly insurance.file_or_track_claim openly.com | Completes with friction | 70 | 3 | login walls |
| 46 | Paypal finance_bills.payment_app_dispute paypal.com | Completes with friction | 70 | 3 | login walls |
| 47 | Progressive insurance.file_or_track_claim progressive.com | Completes with friction | 70 | 3 | login walls |
| 48 | Safeco insurance.file_or_track_claim safeco.com | Completes with friction | 70 | 3 | login walls |
| 49 | Squareup finance_bills.payment_app_dispute squareup.com | Completes with friction | 70 | 3 | login walls |
| 50 | Statefarm insurance.file_or_track_claim statefarm.com | Completes with friction | 70 | 3 | login walls |
| 51 | Venmo finance_bills.payment_app_dispute venmo.com | Completes with friction | 70 | 3 | login walls |
| 52 | Wise finance_bills.payment_app_dispute wise.com | Completes with friction | 70 | 3 | login walls |
| 53 | Zellepay finance_bills.payment_app_dispute zellepay.com | Completes with friction | 70 | 3 | login walls |
| 54 | Irs finance_bills.tax_payment_or_refund_lookup irs.gov | Completes with friction | 71 | 3 | login walls |
| 55 | Navyfederal finance_bills.schedule_bill_payment navyfederal.org | Completes with friction | 71 | 3 | login walls |
| 56 | Sofi finance_bills.schedule_bill_payment sofi.com | Completes with friction | 71 | 3 | login walls |
| 57 | Td finance_bills.schedule_bill_payment td.com | Completes with friction | 72 | 3 | login walls |
| 58 | Usbank finance_bills.schedule_bill_payment usbank.com | Completes with friction | 72 | 3 | login walls |
| 59 | Wellsfargo finance_bills.schedule_bill_payment wellsfargo.com | Completes with friction | 72 | 3 | login walls |
| 60 | Healthcare healthcare_admin.find_in_network_doctor healthcare.gov | Completes with friction | 64 | 3 | login walls |
| 61 | Kaiserpermanente healthcare_admin.find_in_network_doctor kaiserpermanente.org | Completes with friction | 64 | 3 | login walls |
| 62 | Aetna healthcare_admin.find_in_network_doctor aetna.com | Completes with friction | 66 | 4 | login walls |
| 63 | Hioscar insurance.health_claim_or_appeal_lookup hioscar.com | Completes with friction | 69 | 3 | login walls |
| 64 | Vsp insurance.health_claim_or_appeal_lookup vsp.com | Completes with friction | 69 | 3 | login walls |
| 65 | Auto Owners insurance.file_or_track_claim auto-owners.com | Completes with friction | 70 | 3 | login walls |
| 66 | Chubb insurance.file_or_track_claim chubb.com | Completes with friction | 70 | 3 | login walls |
| 67 | Clearcover insurance.file_or_track_claim clearcover.com | Completes with friction | 70 | 3 | login walls |
| 68 | Kemper insurance.file_or_track_claim kemper.com | Completes with friction | 70 | 3 | login walls |
| 69 | Lemonade insurance.file_or_track_claim lemonade.com | Completes with friction | 70 | 3 | login walls |
| 70 | Nationwide insurance.file_or_track_claim nationwide.com | Completes with friction | 70 | 3 | login walls |
| 71 | Taxact finance_bills.tax_payment_or_refund_lookup taxact.com | Completes with friction | 70 | 3 | login walls |
| 72 | 53 finance_bills.schedule_bill_payment 53.com | Completes with friction | 72 | 3 | login walls |
| 73 | Regions finance_bills.schedule_bill_payment regions.com | Completes with friction | 72 | 3 | login walls |
| 74 | Aaa insurance.file_or_track_claim aaa.com | Needs user presence | 57 | 3 | login walls |
| 75 | Labcorp healthcare_admin.check_lab_results labcorp.com | Completes with friction | 66 | 3 | login walls |
| 76 | Medicare healthcare_admin.find_in_network_doctor medicare.gov | Completes with friction | 66 | 4 | login walls |
| 77 | Newyorklife insurance.life_claim_documents newyorklife.com | Completes with friction | 66 | 3 | login walls |
| 78 | Capitalone finance_bills.update_autopay capitalone.com | Needs user presence | 46 | 2 | login walls |
| 79 | Data Cms healthcare_admin.find_in_network_doctor data.cms.gov | Needs user presence | 55 | 4 | login walls |
| 80 | Dmv Ny gov_civic.book_dmv_appointment dmv.ny.gov | Blocked | 60 | 3 | CAPTCHA checks |
| 81 | Benefits gov_civic.check_benefits_eligibility benefits.gov | Completes with friction | 62 | 4 | login walls |
| 82 | Bcbs healthcare_admin.find_in_network_doctor bcbs.com | Completes with friction | 64 | 3 | login walls |
| 83 | Cigna healthcare_admin.find_in_network_doctor cigna.com | Completes with friction | 64 | 3 | login walls |
| 84 | Metlife insurance.life_claim_documents metlife.com | Completes with friction | 66 | 3 | login walls |
| 85 | Prudential insurance.life_claim_documents prudential.com | Completes with friction | 66 | 3 | login walls |
| 86 | Erieinsurance insurance.file_or_track_claim erieinsurance.com | Completes with friction | 67 | 3 | login walls |
| 87 | Irs legal_admin.apply_ein irs.gov | Completes with friction | 75 | 3 | login walls |
| 88 | Bankofamerica finance_bills.dispute_charge bankofamerica.com | Needs user presence | 48 | 2 | login walls |
| 89 | Travel State gov_civic.schedule_passport_appointment travel.state.gov | Blocked | 63 | 3 | CAPTCHA checks |
| 90 | Cash finance_bills.payment_app_dispute cash.app | Completes with friction | 66 | 3 | login walls |
| 91 | Nelnet Studentaid finance_bills.manage_loan_payment nelnet.studentaid.gov | Completes with friction | 67 | 3 | login walls |
| 92 | Uspto legal_admin.trademark_search_and_file uspto.gov | Completes with friction | 81 | 4 | login walls |
| 93 | Booking finance_bills.find_refund_guidance booking.com | Blocked | 0 | 1 | public url verified |
| 94 | Budget insurance.find_rental_car_accident_claim_guidance budget.com | Blocked | 0 | 1 | public url verified |
| 95 | Klarna finance_bills.find_refund_payment_help klarna.com | Blocked | 0 | 1 | public url verified |
| 96 | Webmd healthcare_admin.search_health_conditions webmd.com | Blocked | 0 | 1 | bot detection blocks |
| 97 | Pge finance_bills.update_autopay pge.com | Blocked | 54 | 2 | login walls |
| 98 | Lincolnfinancial insurance.life_claim_documents lincolnfinancial.com | Completes with friction | 61 | 3 | login walls |
| 99 | Sam legal_admin.register_entity_uei sam.gov | Completes with friction | 81 | 4 | login walls |
| 100 | Ecfr legal_admin.search_federal_regulations_guidance ecfr.gov | Blocked | 0 | 1 | public url verified |