ccd2
consumer-credit
eu
bnpl
scope
creditworthiness
secci
regulation

CCD2 Scope Classifier

Classify a credit product as in-scope or exempt under CCD2 (Directive (EU) 2023/2225). Determines applicable obligation tier including BNPL and interest-free instalments newly brought into scope. EU regime — distinct from UK FCA BNPL rules. Rules apply from 20 Nov 2026.

Tool URL: https://ainumbers.co/tools/481-ccd2-scope-classifier.html AP2/Policy Mandate export: yes

post/v1/tools/ccd2_scope_classifier

Request

  • Base URL: https://ainumbers.co
  • URL: https://ainumbers.co/v1/tools/ccd2_scope_classifier
  • Auth: none declared

Request body

product_typestring required
amount_eurnumber required
duration_daysinteger
interest_bearingboolean
charges_presentboolean
borrower_is_consumerboolean required
secured_on_propertyboolean

Response

Successful tool execution result

in_scopeboolean
obligation_tierstring
scope_basisstring

Changes

No recorded changes to this operation across all 1 revision of this API.