CAP-069 — Affordability calculator (CCCFA/NCCP compliant)

Category	Intelligence & automation (platform)
Business goal	BG-006
Satisfying module	MOD-027 Affordability calculator
Mode	CALC
BD owner	BD05 Credit
Human needed	No

An automated affordability assessment that computes verified income, committed expenses, estimated living costs, and net disposable income for every credit application — producing the documented affordability record required under the Credit Contracts and Consumer Finance Act (NZ) and the National Consumer Credit Protection Act (AU). The calculation uses the applicant's actual transaction history, not declared income alone. The full assessment is retained as an immutable record for regulatory evidence.