{
      "name": "bnpl-programme",
      "domain": "Consumer & Wealth Compliance",
      "title": "BNPL Programme — FCA Regulation",
      "description": "FCA BNPL readiness > affordability modelling > APR calculation > disclosure templates > arrears & collections policy.",
      "composer_url": "https://ainumbers.co/guides/bnpl-programme-composer.html",
      "steps": [
        {
          "tool_id": "187-bnpl-fca-readiness-checker",
          "handoff": "readiness_score and gap_list feed Stage 2 affordability model"
        },
        {
          "tool_id": "190-bnpl-affordability-assessment-modeller",
          "handoff": "affordability_result and repayment_schedule feed Stage 3 APR calc"
        },
        {
          "tool_id": "193-bnpl-apr-calculator",
          "handoff": "representative_apr and total_charge feed Stage 4 disclosure templates"
        },
        {
          "tool_id": "191-bnpl-disclosure-template-generator",
          "handoff": "pcci_template and summary_box feed Stage 5 arrears assessment"
        },
        {
          "tool_id": "192-bnpl-arrears-collections-checker",
          "handoff": "Exports composite BNPL programme Policy Mandate -- final stage"
        }
      ]
    }