---
title: "FCA DPC Scope & Authorisation Classifier"
method: POST
path: "/v1/tools/fca_dpc_scope_classifier"
tags: ["FCA", "BNPL", "DPC", "PS26/1", "TPR", "authorisation", "CCA", "July 2026", "UK"]
---

# FCA DPC Scope & Authorisation Classifier

`POST /v1/tools/fca_dpc_scope_classifier`

## Request

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

Determines whether a BNPL/DPC lender falls within the FCA regulatory perimeter under PS26/1 (effective 15 July 2026), TPR eligibility, and which authorisation pathway applies.

**Tool URL:** https://ainumbers.co/tools/329-fca-dpc-scope-classifier.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `lender_type` string, required: Type of lender entity
  - `repayment_instalments` string, required: Number of instalments
  - `repayment_months` string, required: Repayment term in months
  - `interest_charged` string, required: Whether interest or charges apply
  - `current_auth` string: Current FCA authorisation status

## Response `200`

Successful tool execution result

- object

---

[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)