{
  "id": "WEB-066",
  "slug": "web-066",
  "title": "Lending content anywhere requires the direct-lending declaration",
  "statement": "Where lending content appears in the description, the message flow, or the website, directLending must be declared.",
  "rationale": "The attribute exists so carriers can apply the right scrutiny to credit messaging, and it is assessed against the website as well as the form. Undeclared lending is treated as concealment rather than oversight, which is a much worse posture than declaring it.",
  "layer": "WEBSITE",
  "layerSlug": "website",
  "object": "brand website + campaign.direct_lending",
  "severity": "BLOCKING",
  "detectability": [
    "AI_FORM"
  ],
  "failureClass": "RETRY_FIELD",
  "authorities": [
    "TCR",
    "Twilio",
    "Bandwidth",
    "AWS"
  ],
  "applicabilityText": "Applies to every 10DLC registration.",
  "universal": true,
  "remediation": "Set the direct-lending attribute true when the business offers credit of any kind. Declaring it is a fixable attribute question; concealing it is a business-model rejection.",
  "example": "Site offers financing → direct lending: true.",
  "phase": "approval",
  "automated": true,
  "url": "https://ekas.io/rules/10dlc/website/web-066/",
  "markdown": "https://ekas.io/rules/10dlc/website/web-066.md",
  "registry": "https://ekas.io/rules/10dlc/",
  "updated": "2026-07-25",
  "licence": "CC BY 4.0 — https://creativecommons.org/licenses/by/4.0/"
}