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.

FCA CONC: requirement → the KYE™ artefact that enforces it

Demo data

You learn: Which requirements KYE™ enforces at runtime and with which artefact. You can: Walk the requirements.

  1. lending-action-named-authority · enforced

    A regulated consumer-credit action (lend / decline / arrears step) executes only under a recorded…

    Rule packs: kye:rule-pack:agentic-lending · Audit events: kye.purpose.request.v1, kye.purpose.admissibility.v1 · Constitution: 12 purpose permission

  2. creditworthiness-reliance-evidence · designed

    A creditworthiness-driven or arrears action carries a Decision Map™ recording the assessment relied on and a…

    Rule packs: kye:rule-pack:agentic-lending · Audit events: kye.evidence.decision_map.v1, kye.evidence.pack.v1 · Constitution: 13 resilience loop, 61 rights disputes disclosure rail

  3. affordability-calculation-and-policy · out-of-scope

    The affordability / creditworthiness calculation and the adequacy of the firm's credit policy are determined

    (no enforcement cited)

How this widget is built
Demonstrates
KYE™ Compliance Mapping Rail™
Components
  • Framework requirement (clause)
  • Coverage status
  • KYE™ enforcement artefact (event, decision-record field, Evidence Pack™ entry)
Flow
Clause → status → the KYE™ artefact that enforces it, enforced requirements first. Architecture diagram
Used on

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 boundary11000100%
Creditworthiness-reliance & forbearance evidence1010050%
Affordability calculation & credit-policy adequacy100000%

Every requirement → the KYE™ artefact that enforces it

IDTitleStatusKYE™ enforcement
fca-conc.lending-action-named-authorityA 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)enforcedrule_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-evidenceA 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)designedrule_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-policyThe affordability / creditworthiness calculation and the adequacy of the firm's credit policy are determinedout-of-scope(no enforcement cited)

Canonical KYE™ surfaces referenced on this page: KYE Protocol™.