This course introduces the concept of Disclosure Adequacy Standards within the Working Capital – Consumer Credit framework. It focuses on establishing structured standards to ensure that disclosures related to pricing, utilisation conditions, borrower obligations, and product risks are clear, accurate, complete, and understandable to customers.
Learners will explore key assessment dimensions such as disclosure of pricing structures, utilisation expectations, repayment and operational obligations, and alignment with defined customer outcome frameworks, with an emphasis on independent validation and well-documented rationale. The course highlights how effective disclosure practices support informed customer decision-making, strengthen conduct standards, and reduce reputational and regulatory risk. It also examines how inadequate or unclear disclosures can result in customer misunderstanding, disputes, conduct breaches, and weakened trust in the lending process.
The course distinguishes disclosure adequacy standards from broader reporting and disclosure standards, emphasizing its role in exposure-level communication quality, customer transparency, and structured breach response, whereas broader reporting standards focus on enterprise-wide regulatory reporting, governance disclosures, and external communication obligations. Each requires distinct evidence standards, ownership, and approval authority.
By the end of the course, participants will understand how to design, assess, and implement disclosure adequacy standards in practice, particularly within Customer Outcomes, Conduct, and Reputation management. The course also emphasizes the role of the credit manager in validating team-level analysis, approving case recommendations, and managing segment-level exposure within Working Capital – Consumer Credit, ensuring transparent communication, disciplined conduct oversight, and alignment with credit committee priorities.