FCA CONC — Consumer Credit Sourcebook

FCA CONC — Consumer Credit Sourcebook

FCA CONC — Consumer Credit Sourcebook — 75% of in-scope requirements covered.

3 requirements · 2 in scope (1 enforced · 1 designed) · 1 out-of-scope (outside KYE™’s authority layer). The 75% is weighted over the in-scope base.

Source: https://www.handbook.fca.org.uk/handbook/CONC/ (FCA Handbook CONC — Consumer Credit Sourcebook) · License: The FCA Handbook is Crown copyright, reproduced for non-commercial mapping under the FCA's reuse terms; the KYE™ registry paraphrases each requirement's intent and cites the official Handbook reference for mapping purposes only.

By category

CategoryReqsEnforcedDesignedAdvisoryDeferredCoverage
Creditworthiness/arrears action authority at the boundary 1 1 0 0 0 100%
Creditworthiness-reliance & forbearance evidence 1 0 1 0 0 50%
Affordability calculation & credit-policy adequacy 1 0 0 0 0 0%

Every requirement → the KYE™ artefact that enforces it

IDTitleStatusKYE™ enforcement
fca-conc.lending-action-named-authority A regulated consumer-credit action (lend / decline / arrears step) executes only under a recorded named-authority decision, purpose-scoped to the credit agreement (CONC 5 / CONC 7) enforced rule_packs: kye:rule-pack:agentic-lending
engines: internal, internal
audit_events: kye.purpose.request.v1, kye.purpose.admissibility.v1
constitution_refs: constitution/12-PURPOSE-PERMISSION.md
fca-conc.creditworthiness-reliance-evidence A creditworthiness-driven or arrears action carries a Decision Map™ recording the assessment relied on and a forbearance / contestability route before it is taken (CONC 5.2A / CONC 7.3) designed rule_packs: kye:rule-pack:agentic-lending
engines: internal
audit_events: kye.evidence.decision_map.v1, kye.evidence.pack.v1
constitution_refs: constitution/13-RESILIENCE-LOOP.md, constitution/61-RIGHTS-DISPUTES-DISCLOSURE-RAIL.md
fca-conc.affordability-calculation-and-policy The affordability / creditworthiness calculation and the adequacy of the firm's credit policy are determined out-of-scope (no enforcement cited)