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Operator overrides stay cards + term loan only

Status: accepted Date: 2026-07-09 Phase 9d does not extend operatorOverrides to MCA / SBA / BLOC. Manual revise remains the cards + term-loan surface it is today.

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Decision

  1. Override set = card_stacking + term_loan only. Schema, reviseUnderwriting, and ReviseUnderwritingDialog keep (and continue to use) override code mirrors for cards and TL. Do not add per-product override codes or revise UI for mca, sba, or bloc in Phase 9.
  2. Effective resolution for cards/TL stays override ?? engine. For MCA / SBA / BLOC, effective = engine Product Decision only (SBA later: questionnaire enrichment per ADR-0003 — still not an operator override).
  3. This supersedes the roadmap’s prior recommendation that “all 5 products [be] operator-revisable” in 9d.

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Context

Operators need to correct cards and TL verdicts when the engine is wrong or incomplete. Established / revenue-based products are gate- and (for SBA) questionnaire-driven; building revise symmetry for them was ceremony without an operator workflow. ADR-0003 already blocks Confirming SBA until a questionnaire ships — adding an SBA override would create a back door around that gate.

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Considered options

  • Roadmap default — all five products revisable in 9d — rejected.
  • Confirmable-only overrides (cards/TL/MCA/BLOC; SBA later) — rejected; MCA/BLOC also do not need manual override.
  • Schema for all five, UI only for Confirmable — rejected; unused override fields are debt.
  • Cards + TL only (accepted).

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Consequences

  • Phase 9d shrinks: no Established override schema/UI work. 9d may be a thin confirmation that cards/TL override code mirrors still resolve correctly against products[], or fold into 9e if there is nothing left to ship.
  • Persona / QA: no “operator revises MCA/BLOC/SBA” cases in Phase 9.
  • Glossary: CONTEXT.md → “Operator product override”. System reference: docs/design/underwriting.md §7 decision 5.
  • Rename of the “Established Funding” UX label to “Revenue Based” → ADR-0007.