A framework for the whole lifecycle.
Start with the product and jurisdiction, then follow the relevant research into decisions, disclosures and operating evidence.
Credit compliance fundamentals
Map the product, parties and applicable framework before assessing a lending journey.
CCD2
Understand the revised EU framework, the application date and the importance of national implementing measures.
BNPL
Separate third-party credit from supplier deferred payment before assessing scope.
Creditworthiness & affordability
Connect application evidence, repayment capacity, decision records and review controls.
Credit advertising
Review claims, cost information and distribution channels as one controlled communication.
Pre-contract information & disclosures
Manage document versions, presentation, delivery and evidence of the customer journey.
Credit agreements
Connect approved terms to the actual product and the version accepted by the borrower.
APR & cost of credit
Separate nominal interest, fees, payment timing and jurisdiction-specific calculation rules.
Consumer rights
Build servicing pathways around the rights attached to a product and jurisdiction.
Arrears & forbearance
Connect early difficulty indicators to appropriate review, records and servicing actions.
Credit intermediaries
Identify roles, remuneration, permissions and the handoff between distributor and creditor.
EU country implementation
Research national law and regulator material without treating Member States as identical.
Fair lending
Evaluate differential treatment, decision reasons and oversight within the applicable framework.
Compliance operations & evidence
Translate researched obligations into owned controls and traceable evidence.
Credit products, scope and classification
Classify loans and other credit products by borrower purpose, agreement type and the governing consumer-credit framework.