OpenChainGraph Suite · CONTRACT A3 · arch #5

EU Consumer Credit (CCD2)

Note (dated 2026-08-04): a chain composes independent computations performed in an analytical order. No step's output is carried into the next step by the execution model; each step computes from its own declared inputs. This is true of every chain on this site, including chains whose per-step copy below reads as a data handoff.

Scope classification > Art. 18 creditworthiness > SECCI pre-contractual disclosure > readiness. CCD2 (Directive (EU) 2023/2225) applies from 20 Nov 2026.

OpenChainGraph · 4 Steps compliance mandate Hash-Anchored §4 chain_depth:4 Client-Side · Zero PII
Chain Topology — Ccd2 Scope Classifier → Ccd2 Creditworthiness Assessment Builder → Ccd2 Secci Precontractual Disclosure Generator → Ccd2 Readiness Scorer
§4 Execution Hash · Chain Definition Anchor
execution_hash:computing…
Chain Stages · 4 Steps
1 ROOT · D0 catalog
Ccd2 Scope Classifier 481-ccd2-scope-classifier
in_scope_products and obligation_tier feed Stage 2
↓
2 D2 catalog
Ccd2 Creditworthiness Assessment Builder 482-ccd2-creditworthiness-assessment-builder
assessment_framework feeds Stage 3 disclosure
↓
3 D3 catalog
Ccd2 Secci Precontractual Disclosure Generator 483-ccd2-secci-precontractual-disclosure-generator
disclosure_set feeds Stage 4 readiness scoring
↓
4 TERMINAL · D4 catalog
Ccd2 Readiness Scorer 484-ccd2-readiness-scorer
Exports CCD2 Policy Mandate, final stage
▶ Run this chain (live) browser · real execution · composite §4 hash
Export Artifacts
Download the §4 chain definition artifact (hash-anchored composite JSON) or the §13.11 W3C Verifiable Credentials view. Both derive from the chain definition — no new hash is minted. Available after hash computation.