Credit bureau submission engine¶


ID	`MOD-059`
System	SD05
Repo	`bank-credit`
Build status	Deployed
Deployed	Yes
Last commit	`19b0610`

Purpose¶

Automate credit information submissions to NZ and AU licensed credit reporting bodies and manage the dispute resolution workflow, ensuring accurate and timely reporting under the NZ Credit Reporting Privacy Code and AU Comprehensive Credit Reporting regime.

What it does¶

The module draws credit account data from the governed credit data pipeline and prepares submission files in the formats required by each credit reporting bureau. Submissions include all mandatory CCR fields: account open date, credit limit, repayment history, and account closure or default information.

Submissions are scheduled to match each bureau's update frequency. Pre-submission validation checks completeness and applies bureau-specific business rules. Failed validations are quarantined and the responsible officer is alerted.

The module manages inbound credit information disputes from customers. Disputes are logged, the relevant bureau is notified, and the investigation workflow is tracked to resolution within the required timeframe. Corrected submissions are generated and submitted automatically where the dispute is upheld.

The module provides reporting on submission accuracy rates and dispute volumes for the CCO's quarterly Board report.

Compliance reason¶

REP-010 requires timely and accurate bureau submissions and a governed dispute resolution process. Manual bureau submissions create accuracy risks and lack the dispute tracking capability required by the credit reporting rules.

Commercial reason¶

Accurate credit bureau data supports the platform's own credit decisioning through cleaner bureau inputs. It also protects against regulatory findings and customer complaints arising from inaccurate credit reporting.

Module dependencies¶

Depends on¶

Module	Title	Required?	Contract	Reason
MOD-028	Credit score & risk rating	Required	—	Credit bureau submissions require the customer's credit risk rating and decision history from the scoring engine.
MOD-010	CDD tier assignment engine	Required	`contract/api/`	CDD profile is required to identify the customer for bureau submission and dispute resolution.
MOD-104	AWS shared infrastructure bootstrap	Required	—	AWS shared infrastructure provisioned by MOD-104 (EventBridge buses, S3, KMS, Kinesis, Cognito) is required before this module can be deployed.
MOD-103	Neon database platform bootstrap	Required	—	Neon database and schema provisioned by MOD-103 must exist before this module can read or write Postgres.

Required by¶

(No modules in this wiki currently declare a dependency on this module.)

Policies satisfied¶

Policy	Title	Mode	How
REP-010	Credit reporting & bureau submission	`AUTO`	Automates credit information submissions to NZ and AU bureaus and manages the dispute resolution workflow.

Capabilities satisfied¶

(No capabilities mapped)

Part of SD05 — Credit Decisioning & Loan Platform Compiled 2026-05-22 from source/entities/modules/MOD-059.yaml