Everything you need to navigate the global BNPL regulatory transformation. From FCA DPC readiness and EU CCD2 SECCI disclosure generation to CFPB Reg Z APR calculation, FDCPA collections compliance, affordability assessment methodology, and B2B underwriting — all browser-based, all client-side, zero data transmitted.
Eight standalone browser tools covering every layer of global BNPL and consumer credit compliance — from gap analysis and disclosure generation to APR calculation and B2B underwriting. All tools run in your browser — no account, no data transmission.
Multi-jurisdiction BNPL compliance gap-analysis. Pass/Partial/Fail per obligation across FCA DPC, EU CCD2, CFPB Reg Z, and NY DFS. Composite readiness score 0–100 with article citations and compliance Policy Mandate JSON.
Generate a tailored compliance map for merchants integrating BNPL at checkout. PCI DSS SAQ determination by integration method, FCA financial promotions, EU CCD2 checkout disclosure standards, CFPB Reg Z advertising rules, and UX standards. Markdown integration guide export. Covers PCI DSS v4.0 Req. 6.4.3 · FSMA s.21 · 12 CFR 1026.24.
Open ToolCompare BNPL late fee structures against FCA HCSTC £15 hard cap, CONC 7 proportionality, EU CCD2 Art. 33, CFPB Reg Z supervisory threshold, and NY DFS guidance. Flat, percentage, and tiered fee types. Calculates remediation exposure for non-compliant structures. Covers FCA CONC 7B.4.1R · CCD2 Art. 33 · 12 CFR 1026.
Open ToolModel affordability methodology against FCA CONC 5, EU CCD2 Art. 18, and CFPB ability-to-repay. Product risk tier drives proportionality analysis. Per-framework scores, gap table, Markdown report. Compliance methodology assessment only — not credit decisions. Covers FCA CONC 5.2A · CCD2 Art. 18 · Consumer Duty PS22/9.
Open ToolGenerate FCA CONC 4 PCCI, EU CCD2 SECCI (Annex II), and US TILA Reg Z § 1026.18 disclosure templates from product parameters. Calculates APR, payment schedule, and finance charge. Per-jurisdiction checkout summary and long-form documents. Policy Mandate JSON disclosure manifest. Covers FCA CONC 4.2 · CCD2 Annex II · 12 CFR 1026.18.
disclosure_template — routes generated disclosures to legal review queues in MCP-compatible agent runtimes. Cross-references T193 (APR Calculator) for regulatory APR validation.
Assess arrears handling and collections practices across 20 obligations. FCA CONC 7 (NoA, forbearance, Breathing Space, contact limits), CFPB FDCPA/Reg F (7-call cap, validation notice, cease requests), EU CCD2 Art. 33–35. Policy Mandate JSON compliance_control output. Covers FCA CONC 7 · 12 CFR 1006 · CCD2 Art. 33–35.
Open ToolCalculate regulatory APR under the EU CCD2 actuarial method (Art. 31 / Annex I) and US TILA Reg Z (Appendix J nominal rate). Newton-Raphson iterative solver. Handles fees, deferred first payment, and custom intervals. Identifies divergence between stated marketing APR and regulatory figure. Covers CCD2 Annex I · Reg Z App. J · Newton-Raphson.
Open ToolDeterministic credit scoring model for B2B BNPL and commercial trade credit. 7-dimension scoring (financial health, sector risk, trading history, payment behaviour). Revenue-based credit limit with 4 risk tiers (Approve to Decline). Markdown underwriting memo. B2B scope only — not consumer BNPL. Covers CCA 1974 s.16B · CCD2 Art. 2(2) · Reg Z § 1026.3(a).
Open ToolLast reviewed: May 2026 · 8 tools · Category 16 · BNPL & Consumer Credit
FCA DPC authorisation prep, CONC compliance, affordability methodology review, and arrears handling. Start with T187 → T190 → T192.
BNPL checkout integration compliance, PCI DSS SAQ determination, FCA financial promotions, CCD2 disclosure standards. Use T188 → T191.
Automate BNPL compliance checks, integrate Policy Mandate JSON with agent runtimes, and validate APR calculations. Use T187 → T191 → T193.
Score commercial trade credit applications outside consumer credit rules. Use T194 for B2B underwriting within CCA 1974 s.16B / CCD2 Art. 2(2) exemptions.
Generate jurisdiction-specific disclosure templates (PCCI, SECCI, TILA), review late fee cap compliance, and assess multi-jurisdiction readiness. Use T189 → T191.
Assess collections practices across CONC 7, FDCPA/Reg F, and CCD2 Art. 33–35. Check Breathing Space obligations and 7-call cap compliance. Use T192.
Tools in this hub are mapped to obligations under the following frameworks. Verify current applicability with qualified legal counsel.
FSMA 2023 Sch.9 removes BNPL exemption 15 Jul 2026. FCA CONC 4, 5, 6, 7, 11 apply. Consumer Duty PS22/9. PCCI disclosures, affordability assessments, FOS access, Breathing Space obligations.
Directive 2023/2225/EU explicitly includes BNPL. Transposition deadline: 20 Nov 2025. Art. 10 SECCI, Art. 18 creditworthiness, Art. 26 withdrawal, Art. 29 early repayment, Art. 31 APR, Art. 33 default charges, Art. 35 forbearance.
CFPB May 2024 interpretive rule: 4-instalment BNPL = closed-end credit. TILA Reg Z § 1026.18 disclosures, dispute rights, periodic statements. FDCPA/Reg F (12 CFR 1006): 7-call cap, validation notice, cease communication. NY DFS Jun 2023 supervisory guidance.
UK CCA 1974 s.16B (≥25 employees or £1m+ turnover). EU CCD2 Art. 2(2) business-purpose exclusion. US Reg Z § 1026.3(a) commercial-purpose exemption. B2B trade credit via T194 modelled within these exemptions.
Open T187 FCA BNPL / DPC Readiness Checker to get a composite 0–100 readiness score across FCA DPC, EU CCD2, CFPB Reg Z, and NY DFS. Export the compliance Policy Mandate JSON as your remediation baseline.
Use T191 BNPL Disclosure Template Generator to generate FCA PCCI, EU CCD2 SECCI, and US TILA Reg Z disclosure documents from your product parameters. Validate APR accuracy with T193 APR Calculator.
Run T190 Affordability Assessment Modeller to score your methodology against FCA CONC 5, CCD2 Art. 18, and CFPB ATR. Then use T189 Late Fee Calculator to validate fee structures against all jurisdictional caps.
Use T192 Arrears & Collections Checker to assess compliance across 20 obligations covering FCA CONC 7, FDCPA/Reg F, and CCD2 Art. 33–35. Export the compliance_control Policy Mandate JSON for agent pipeline integration.
All 8 tools expose structured outputs compatible with the AINumbers MCP manifest.
| Tool ID | MCP Name | Input Schema | Output |
|---|---|---|---|
| T187 | assess_bnpl_compliance_readiness | jurisdiction_scope[], product_type, fca_auth_status | readiness_score, gap_matrix{}, policy_mandate_json |
| T188 | map_merchant_bnpl_compliance_obligations | integration_method, jurisdictions[], checkout_type | compliance_map{}, pci_saq, integration_guide_md |
| T189 | calculate_bnpl_late_fee_compliance | fee_type, fee_amount, jurisdiction, product_type | compliance_result{}, remediation_exposure, cap_matrix{} |
| T190 | model_bnpl_affordability_methodology_compliance | methodology{}, product_risk_tier, jurisdiction_scope[] | per_framework_scores{}, gap_table{}, report_md |
| T191 | generate_bnpl_disclosure_templates | product_params{}, jurisdictions[], apr_inputs{} | pcci_doc, secci_doc, tila_doc, policy_mandate_json |
| T192 | assess_bnpl_collections_compliance | collections_practices{}, jurisdiction_scope[] | obligation_scores{}, gap_flags[], policy_mandate_json |
| T193 | calculate_bnpl_regulatory_apr | cashflows[], fees[], deferral_days, method | ccd2_apr, tila_apr, divergence_flag, schedule{} |
| T194 | score_b2b_bnpl_credit_application | entity_profile{}, financials{}, trading_history{} | credit_score, risk_tier, credit_limit, memo_md |