---
title: "FCA CONC — Consumer Credit Sourcebook — KYE Protocol™ coverage"
description: "FCA CONC — Consumer Credit Sourcebook coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces it."
url: https://kyeprotocol.com/compliance/fca-conc/
lang: en
source: "KYE Protocol"
---

> FCA CONC — Consumer Credit Sourcebook coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces it.

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

| Category | Reqs | Enforced | Designed | Advisory | Deferred | Coverage |
| --- | --- | --- | --- | --- | --- | --- |
| 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

| ID | Title | Status | KYE™ 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)_ |

Canonical KYE™ surfaces referenced on this page: [KYE Protocol™](https://kyeprotocol.com/).