---
title: "T187 · FCA BNPL / DPC Readiness Checker — AINumbers.co"
method: POST
path: "/v1/tools/bnpl_fca_readiness_checker"
---

# T187 · FCA BNPL / DPC Readiness Checker — AINumbers.co

`POST /v1/tools/bnpl_fca_readiness_checker`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/bnpl_fca_readiness_checker`
- Auth: none declared

Multi-jurisdiction BNPL compliance gap-analysis tool. Assess readiness against FCA DPC, EU CCD2, US CFPB Reg Z, and NY DFS obligations. Pass/Partial/Fail scoring with article citations and Policy Mandate JSON export.

**Tool URL:** https://ainumbers.co/tools/187-bnpl-fca-readiness-checker.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `jurisdictions` string[], required: One or more regulatory regimes to assess. At least one required.
  - `assessments` object, required: Obligation assessments keyed by obligation_id. Value must be Pass, Partial, Fail, or NA. Unset obligations default to Fail (conservative scoring).

## Response `200`

Successful tool execution result

- object
  - `composite_score` number: Weighted compliance score 0–100 across all selected jurisdictions.
  - `readiness_tier` 'Compliant' | 'Near-Compliant' | 'Partial' | 'Non-Compliant': >=80 Compliant, 60-79 Near-Compliant, 40-59 Partial, <40 Non-Compliant.
  - `jurisdiction_scores` object: Per-jurisdiction score, pass/partial/fail counts.
  - `gap_table` object[]: All obligations sorted by severity (Fail first). Includes jurisdiction, obligation name, citation, status, and recommended action.
    - `jurisdiction` string
    - `obligation_id` string
    - `obligation_name` string
    - `article` string
    - `status` 'Pass' | 'Partial' | 'Fail' | 'NA'
    - `recommended_action` string
  - `ap2_mandate` object: AP2-compatible JSON compliance mandate. See master rules Section 8 for full schema.

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)