{
      "name": "ccd2-consumer-credit",
      "domain": "EU Digital ID & Consumer Credit",
      "title": "EU Consumer Credit (CCD2)",
      "description": "Scope classification > Art. 18 creditworthiness > SECCI pre-contractual disclosure > readiness. CCD2 (Directive (EU) 2023/2225) applies from 20 Nov 2026.",
      "composer_url": "https://ainumbers.co/guides/ccd2-consumer-credit-composer.html",
      "steps": [
        {
          "tool_id": "481-ccd2-scope-classifier",
          "handoff": "in_scope_products and obligation_tier feed Stage 2"
        },
        {
          "tool_id": "482-ccd2-creditworthiness-assessment-builder",
          "handoff": "assessment_framework feeds Stage 3 disclosure"
        },
        {
          "tool_id": "483-ccd2-secci-precontractual-disclosure-generator",
          "handoff": "disclosure_set feeds Stage 4 readiness scoring"
        },
        {
          "tool_id": "484-ccd2-readiness-scorer",
          "handoff": "Exports CCD2 Policy Mandate -- final stage"
        }
      ]
    }