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.
Regulatory change
Organise a policy transition with source records, owners and release evidence.
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.
APR & cost of credit
Separate nominal interest, fees, payment timing and jurisdiction-specific calculation rules.
Market framework research
Keep market assumptions and source records separate in each review.
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.