Creditcrest Compliance
Whether a lender may switch something on yet, and what shows it: release gates that fail closed until each is passed, attested and evidenced; live capabilities that stay off until the approvals they need are recorded; and obligations traced through controls and tests to current evidence.
An example lender, 26 September 2026 — not ready
Production is not ready: 5 gates blocking. It stays closed until each is passed, attested and evidenced.
- security assurance — No record of this gate at all. The security review the lender requires, done and passed.
- provider readiness — No record of this gate at all. Every outside provider — identity, bank data, payments, signing, messaging — contracted and cleared for production.
- activation — No record of this gate at all. The person the lender names as able to switch production on has done so.
- credit licence — Blocking: it is pending; nobody is recorded as attesting it; there is no day it was attested; it carries no evidence hash. The Australian credit licence — or the authority of a licensee — under which the credit is provided.
- mandatory tests — Blocking: it carries no evidence hash. The tests the lender requires before release, run and passed.
What may run for real
In prelaunch, nothing with a real-world effect: no money can move.
| Capability | Now | Why |
|---|---|---|
| application intake | off | In prelaunch, nothing with a real-world effect runs. |
| contract delivery | off | In prelaunch, nothing with a real-world effect runs. |
| signature webhook | off | In prelaunch, nothing with a real-world effect runs. |
| disbursal | off | In prelaunch, nothing with a real-world effect runs. |
| payment collection | off | In prelaunch, nothing with a real-world effect runs. |
| off | In prelaunch, nothing with a real-world effect runs. | |
| sms | off | In prelaunch, nothing with a real-world effect runs. |
| credit check | off | In prelaunch, nothing with a real-world effect runs. |
| bank data | off | In prelaunch, nothing with a real-world effect runs. |
| identity check | off | In prelaunch, nothing with a real-world effect runs. |
What this product line produces evidence for
A starting register for a lender’s own traceability matrix. The provision, quoted as this line reads it, and the product whose output is the evidence. The controls and tests are the lender’s.
| Obligation | Evidence |
|---|---|
| National Credit Act s 130(1A) If: (a) the credit contract is a small amount credit contract; and (b) the consumer holds (whether alone or jointly with another person) an account with an ADI into which income payable to the consumer is credited; the licensee must, in verifying the consumer’… | Creditcrest Statement — The reading of at least ninety days of transactions and balances, with the period stated. |
| National Credit Act s 133CC(1) A licensee must not enter into, or offer to enter into, a small amount credit contract with a consumer who will be the debtor under the contract if the repayments that would be required under the contract would not meet the requirements prescribed by the regul… | Creditcrest Small Amount — Every repayment period tested against 10% of available income, the tightest named. |
| National Credit Code s 31A(2) A permitted establishment fee is a fee or charge the amount of which must not exceed 20% of the adjusted credit amount in relation to the small amount credit contract. | Creditcrest Small Amount — The fee against 20% of the adjusted credit amount. |
| National Credit Code s 31A(3) The amount of a permitted monthly fee that may be imposed or provided for under a small amount credit contract must not exceed 4% of the adjusted credit amount in relation to the contract. | Creditcrest Small Amount — The fee against 4% a month. |
| National Credit Code s 31C(1) and (2) A credit provider must not require or accept payment by the debtor under a small amount credit contract of an unexpired monthly fee. … An unexpired monthly fee in relation to a small amount credit contract is each permitted monthly fee that is in respect of a … | Creditcrest LoanManager — No monthly fee charged after payout, from the ledger. |
| National Credit Code s 39B(1) and (3) If there is a default in payment under a small amount credit contract, the credit provider in relation to the contract must not (whether by repayments under the contract or otherwise) recover more than twice the adjusted credit amount in relation to the contra… | Creditcrest LoanManager — What was charged against twice the adjusted credit amount, once in default. |
| National Credit Act s 133CD(1) to (4) A licensee must not enter into, or offer to enter into, a small amount credit contract with a consumer who will be the debtor under the contract if any of the following applies: (a) repayments that would be required under the contract are not equal; (b) the in… | Creditcrest Small Amount — The repayment schedule tested for equal amounts and intervals. |
| National Credit Code s 72(1) If a debtor considers that he or she is or will be unable to meet his or her obligations under a credit contract, the debtor may give the credit provider notice (a hardship notice), orally or in writing, of the debtor’s inability to meet the obligations. | Creditcrest Collections — The statutory clock a hardship notice starts, with every period’s provision. |
| National Credit Act s 130(1)(a) For the purposes of paragraph 128(d), the licensee must, before making the assessment: (a) make reasonable inquiries about the consumer’s requirements and objectives in relation to the credit contract | Creditcrest Apply — The reasonable inquiries record: each question on purpose, amount, term and features, in the words asked, with the answer and the form version, sealed. |
| National Credit Act s 130(1)(b) For the purposes of paragraph 128(d), the licensee must, before making the assessment: … (b) make reasonable inquiries about the consumer’s financial situation | Creditcrest Apply — The reasonable inquiries record: income, employment, housing, expenses, other credit and commitments, household, assets and foreseeable changes asked and answered, each declared figure beside the statement’s, sealed. A form that leaves a required topic unasked is refused unless its reason is recorded and signed off by a second person. |
| National Credit Act s 132(2) If, during the period that: (a) starts on the day (the credit day) the credit contract is entered or the credit limit is increased; and (b) ends 7 years after that day; the consumer requests the licensee for a copy of the assessment, the licensee must give the… | Creditcrest LoanManager — The day a requested copy of the assessment is due, in business days. |
| National Credit Code s 16(1) and (2) A credit provider must not enter into a credit contract (other than a low cost credit contract) unless the credit provider has given the debtor: (a) a precontractual statement setting out the matters required by section 17 to be included in the contract docume… | Creditcrest LoanManager — A contract refused for sending until both statements are recorded as given. |
| National Credit Code s 20(1) and (2) If a contract document is to be signed by the debtor and returned to the credit provider, the credit provider must give the debtor a copy to keep. … A credit provider must, not later than 14 days after a credit contract is made, give a copy of the contract in … | Creditcrest LoanManager — The day a copy of the contract as made is due. |
A lender posts its own gates, settings and matrix to /v1/compliance and gets the same answers as data. Nothing is stored. This reports what the lender recorded against the gates, controls and obligations it named. It is not a compliance opinion or legal advice, and it does not say that a control meets an obligation. Creditcrest Technologies is not a credit provider, is not a credit assistance provider, and does not hold an Australian credit licence. Its software produces evidence; the licensee makes the decision.