Technical Requirements Document
FCC Finance - Phase 1
v1.0
NOV 2025
Zero PII Requirement
This phase only requires historical loan & repayment data. No Personally Identifiable Information (names, SSN, addresses) is needed.
Mandatory Data Inputs
Required for baseline analysis
| Dataset | Required Fields | Format |
|---|---|---|
| Loan Master File | loan_idorigination_dateloan_amountterm_lengthcontractor_name (opt) | CSV / Excel |
| Repayment History | loan_iddue_datepaid_dateamount_paidlate_fees (opt) | CSV / Excel |
| Status Flags | loan_idstatuschargeoff_date OR days_past_due | CSV / Excel |
Optional Enrichment
Customer Service Logs:
Timestamps of inbound/outbound calls to analyze communication delay patterns.
App Metadata:
Employment type or income range for demographic correlation.
Contractor Data:
Project completion dates to check for "project stall" non-payment.
Security Protocols
AES-256 Encryption
Applied to all data at rest and in transit.
Transfer Methods
Secure SFTP, Encrypted Email, or Secure Drive Link.