CAP-099 — Hardship & restructure handling

Category	Credit lifecycle
Business goal	Not yet linked to a business goal
Satisfying module	MOD-065
Mode	AUTO
BD owner	BD05 Credit
Human needed	Review only

Accepts and assesses hardship applications from customers, applies the configured relief rules (payment pause, reduced instalment, term extension), and journals the restructure to the loan account atomically. All approved restructures are logged with the assessed reason, approved terms, and reviewer identity. Designed to satisfy the hardship obligations under the CCCFA (NZ) and NCCP (AU).