> ## Documentation Index
> Fetch the complete documentation index at: https://docs.myfundingmachine.com/llms.txt
> Use this file to discover all available pages before exploring further.

# 0006 operator overrides cards tl only

# 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.

## 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.

## 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.

## 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).**

## 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**.