Case SPA R4: Need to Enforce New Compliance Rules? Use Software Platform Anatomy to Align Processes and Systems

Category: Rules & Motivations in Flux

Series Title: "Rethinking Requirements: How the ICMG Enterprise Anatomy Model Makes Lending Systems Change-Ready."

Perspectives Covered: Strategy, Business Process, System, Component Specification, Implementation, Operations.

Key Variables Impacted: Rule, Data, Function, UI, Event, Network

Navigating Regulatory Rule Changes

Regulatory mandates in retail lending often emerge rapidly, demanding quick and accurate compliance. A common example is the introduction of new rules governing loan disbursement—such as requiring explicit customer consent verification before funds can be released.

Although conceptually straightforward, these changes typically cause unintended disruption across lending systems, resulting in:

• Delays or errors in loan disbursement

• Audit findings due to non-compliant loans

• Operational disruptions and confusion among customer service teams

• Rushed, reactive system updates by development teams

Traditional SDLC practices frequently fail in these scenarios, leading to costly compliance issues. This blog demonstrates how the ICMG Enterprise Anatomy Model (Project Edition) enables precise, controlled updates for compliance-driven changes.

Why Conventional SDLC Approaches Fail

Common Problems:

Typical challenges that organizations encounter when addressing regulatory-driven disbursement changes include:

1. Scattered disbursement logic across multiple services

2. Inconsistent implementation of compliance requirements

3. Data synchronization issues between subsystems

4. Reliance on manual workarounds, introducing errors and operational risk

   
   

Root Causes:

The underlying causes stem from a lack of comprehensive architectural traceability, specifically:

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