CAP-098 — Arrears & collections logic¶
| Category | Credit lifecycle |
| Business goal | Not yet linked to a business goal |
| Satisfying module | MOD-065 |
| Mode | ALERT |
| BD owner | BD05 Credit |
| Human needed | Review only |
Detects missed or partial payments and executes the configured collections timeline — automated customer reminders, escalation to the collections team, and formal notices at defined days-past-due thresholds. All steps are configurable per product and jurisdiction. The collections log provides the documented escalation chain required by CCCFA and NCCP hardship obligations.