---
title: "CCD2 Creditworthiness Assessment Builder"
method: POST
path: "/v1/tools/ccd2_creditworthiness_assessment_builder"
tags: ["ccd2", "consumer-credit", "eu", "bnpl", "creditworthiness", "article-18", "secci", "regulation"]
---

# CCD2 Creditworthiness Assessment Builder

`POST /v1/tools/ccd2_creditworthiness_assessment_builder`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/ccd2_creditworthiness_assessment_builder`
- Auth: none declared

Build an Article 18 creditworthiness assessment framework under CCD2 (Directive (EU) 2023/2225). Validates forward-looking, verified-data requirements and proportionality. Flags reliance on behavioural-only signals (non-compliant). Cross-links EU AI Act cluster for automated-decision fairness. EU regime — distinct from UK FCA T330.

**Tool URL:** https://ainumbers.co/tools/482-ccd2-creditworthiness-assessment-builder.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `amount_eur` number, required
  - `product_type` string
  - `income_verified` boolean
  - `expenses_verified` boolean
  - `existing_debts_checked` boolean
  - `database_consulted` boolean
  - `automated_only` boolean

## Response `200`

Successful tool execution result

- object
  - `assessment_verdict` string
  - `data_sufficiency` boolean
  - `gaps` unknown[]
    - unknown
  - `framework_steps` unknown[]
    - unknown

---

[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)