The DPC Decision-Evidence Checklist

A

Decision record — can you reconstruct any single decision?

1

For any affordability decision made last week, can you produce the full case record — data used, rules applied, outcome rationale — within one hour?If it takes an engineer and a day of log-diving, answer No.

Yes No

2

Does the record show which version of your lending policy and decision rules was in force at the time of the decision?

Yes No

3

Are declines and limit reductions evidenced to the same standard as approvals?Complaints and FOS referrals concentrate on adverse outcomes.

Yes No

B

Data lineage — do you know what the decision saw?

4

Can you show which bureau data, open banking data and account history fed each individual decision (not just which sources you use in general)?

Yes No

5

Where a third party supplied an input, can you evidence what they returned at decision time?Vendor logs age out; your obligation doesn’t.

Yes No

C

Explainability — can a human defend the outcome?

6

Could a non-technical colleague explain to a customer, in plain language, why their application was approved or declined, using only the case record?

Yes No

7

Where models or automated rules are involved, is there a documented, board-approved account of how they influence decisions?SM&CR: a named individual owns this answer.

Yes No

D

Readiness — when someone asks

8

If the FCA requested a sample of 50 decision case files, could you deliver them within 5 working days without manual reconstruction?

Yes No

9

Do complaints and FOS responses draw on the original decision evidence, rather than a fresh after-the-fact rationalisation?

Yes No

10

Is decision evidence retained for the full regulatory retention period in a form that will still be readable after system changes?Re-platforming is where evidence quietly dies.

Yes No