Cat-16 · BNPLPolicy Mandate ExportClient-Side · Zero PII
BNPL Disclosure Template Generator
Generate jurisdiction-specific BNPL checkout disclosure language. Enter your product parameters and receive a compliant long-form disclosure document, checkout summary, and right-of-withdrawal notice for each selected regime — ready to review with legal counsel and integrate into your checkout flow.
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
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Template Output — Legal Review Required. Generated disclosures are structured templates based on published regulatory requirements. They must be reviewed and approved by qualified legal counsel before use in any live product or consumer-facing context. Placeholders marked [in brackets] must be completed with your actual entity details, FCA authorization number, or jurisdiction-specific information before use.
Product Parameters
Enter your BNPL product details
All fields are used to populate disclosure templates. Leave optional fields blank to receive template language with placeholder brackets.
Legal entity name as it will appear in regulated disclosures.
0% for interest-free BNPL. Must still be disclosed as "0% APR representative".
Leave blank to insert placeholder. Required in all UK regulated disclosures.
Jurisdictions
Select disclosure regimes
🇬🇧 UK — FCA CONC 4 / PCCI
🇪🇺 EU — CCD2 SECCI
🇺🇸 US — TILA / Reg Z
Select at least one jurisdiction.
Templates are generated entirely in-browser. No data is transmitted.
Please enter a purchase amount and number of instalments.
Generated Disclosures
Jurisdiction-Specific Disclosure Templates
Regulatory Source Notes
FCA Consumer Credit sourcebook (CONC) 4.2 — pre-contract disclosure requirements. FCA CONC 4.2.5R: firms must provide the consumer with Pre-Contract Credit Information (PCCI) form before the agreement is made, using the Standard European Consumer Credit Information (SECCI) format or equivalent. Applies to regulated consumer credit including BNPL under DPC regime from 15 July 2026 (FSMA 2023 Sch. 9). FCA must be cited by authorisation number in all regulated disclosures.
FCA CONC 4.2.13R — right of withdrawal notice must accompany any regulated credit agreement. Consumer Credit Act 1974 s.66A: 14-calendar-day right of withdrawal from date agreement signed. Repayment within 30 days of withdrawal notice. FCA CONC 4.3 — adequate explanations obligation: firms must explain key features before agreement is made.
Directive 2023/2225/EU (CCD2) Annex II — Standard European Consumer Credit Information (SECCI) form. Art. 10 requires SECCI to be provided in a durable medium before credit agreement. Mandatory SECCI fields: type of credit, creditor identity, total credit amount, duration, borrowing rate, APR with representative example, total amount payable, repayment schedule, right of withdrawal (14 days), early repayment right, ADR body. Transposition deadline: 20 November 2025.
12 CFR 1026.18 (Regulation Z) — required disclosures for closed-end credit. Mandatory fields: (a) identity of creditor, (b) amount financed, (c) itemisation or good faith estimate, (d) finance charge, (e) APR, (f) variable rate information, (g) payment schedule, (h) total of payments, (i) demand feature, (j) total sale price, (k) prepayment penalties, (l) late payment charges, (m) security interest, (n) insurance and debt cancellation. CFPB May 2024 interpretive rule: 4-instalment BNPL is closed-end credit subject to these disclosures.
APR calculation: for zero-interest BNPL, APR = 0%. Representative APR must still be disclosed explicitly as "0% APR representative (variable)" in UK marketing and PCCI. CCD2 Art. 31 actuarial method: for zero-interest equal instalments, APR = 0%. Finance charge for zero-interest BNPL = £0 / $0 / €0. Total of payments = purchase amount.
Right of withdrawal: UK CCA 1974 s.66A — 14 calendar days; EU CCD2 Art. 26 — 14 calendar days; US TILA § 1026.23 — 3 business days for credit secured by principal dwelling (not typically applicable to BNPL). Placeholder brackets [BRACKETS] in generated templates must be replaced with actual entity details, addresses, and registration numbers before use.