This course explains Disclosure Adequacy Standards and how lenders ensure that borrowers receive clear and sufficient disclosures regarding credit limits, pricing, utilisation conditions, and repayment obligations in consumer working capital products. It covers the risk scenarios addressed in disclosures, the methodology used to size contingency buffers, and the criteria used to assess whether disclosures adequately communicate financial obligations and risk. The course also highlights how proper disclosure standards support transparent borrower communication while maintaining credit discipline and protecting customer outcomes.