Implement the standard

The rule pack

The rule pack is a JSON file with one rule per required item. Each version has its own URL that never changes: https://lending-intelligence.vercel.app/standard/slfs-v0.1.json. /standard/slfs-latest.json always serves the current version. Pin your software to a numbered version and move up when you've reviewed the changelog.

In v0.1, Section A's rules are complete. Sections B to F are listed in the file's sections with "rules": "todo"; their rules will be added in a later version. Until then, read their requirements on the section pages.

How to apply it

1. Map each path in a rule's fields to where your system holds that data.
2. Check every rule whose applies_when is true for the case. The expressions use a simple JavaScript-like form over the field paths. Treat them as a description of the check, not code to run with eval.
3. Where a rule's red_flag is true, show the adviser the flag and ask for a written reason.
4. Grade the file by its most serious failed rule, using each rule's severity. With no failed rules and no unexplained red flags, the file meets the standard.
5. Show the result as a pre-check, with the failed items listed in the standard's own words, and link each one to its anchor on the section page.

Software can apply the first three grades. “Does not meet” always needs a human reviewer. How grading works.

Schema

check_type takes one of three values

• field means the data is present.
• calculated means the software works the answer out.
• ai_judged means free text is assessed. An ai_judged rule can never return "meets" on its own.

Grade keys

• meets = Meets standard
• meets_with_notes = Meets with notes
• gaps_to_fix = Gaps to fix
• does_not_meet = Does not meet

Example: rule A3

{
  "id": "A3",
  "section": "A",
  "applies_when": "case.consolidation == true",
  "requirement": "Break-even term calculated and recorded",
  "check_type": "calculated",
  "fields": [
    "consolidation.break_even_term"
  ],
  "severity": "gaps_to_fix",
  "red_flag": "case.term > consolidation.break_even_term && !consolidation.term_reason"
}

The badge

Software that checks files against the standard can show the “Built to the Standard” badge, free. It comes as a full badge for light and dark backgrounds, a one-line version for footers, the red SLFS tab on its own, and a 24px square.

The badge files will be published here with version 1.0 of the standard. They aren't available while the standard is a consultation draft.

Rules for using it

• The badge must link to https://lending-intelligence.vercel.app/standard.
• Use it only on software that checks files against the standard.
• Never describe it as a certification. It is not an endorsement by Lending Intelligence or the FCA.
• Firms must not use it to claim that their files are compliant.
• Don't redraw, recolour or reword it.

Built the standard into your software? Tell us and we'll add your product to the implementers list.

Licence

Free to use and implement. Lending Intelligence Ltd publishes and maintains the standard, free of charge. Any software provider may implement the standard. There is no fee to say a product is "built to the standard".