---
title: "CCD2 Scope Classifier"
method: POST
path: "/v1/tools/ccd2_scope_classifier"
tags: ["ccd2", "consumer-credit", "eu", "bnpl", "scope", "creditworthiness", "secci", "regulation"]
---

# CCD2 Scope Classifier

`POST /v1/tools/ccd2_scope_classifier`

## Request

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

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

## Request body

- object
  - `product_type` string, required
  - `amount_eur` number, required
  - `duration_days` integer
  - `interest_bearing` boolean
  - `charges_present` boolean
  - `borrower_is_consumer` boolean, required
  - `secured_on_property` boolean

## Response `200`

Successful tool execution result

- object
  - `in_scope` boolean
  - `obligation_tier` string
  - `scope_basis` string
  - `obligations` unknown[]
    - unknown
  - `gaps` 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)