# WEB-066 — Lending content anywhere requires the direct-lending declaration

> Where lending content appears in the description, the message flow, or the website, directLending must be declared.

- **Rule ID:** WEB-066
- **Layer:** Website (`WEBSITE`)
- **Checks:** `brand website + campaign.direct_lending`
- **Severity:** BLOCKING — Breaking this rule gets the submission rejected outright.
- **When it bites:** Gates approval — get this wrong and registration is refused
- **How it is detected:** AI judgement over the submitted form
- **Fix type:** Fix the field — a better value in the form clears it
- **Required by:** TCR, Twilio, Bandwidth, AWS
- **Applies:** Applies to every 10DLC registration.
- **Canonical URL:** https://ekas.io/rules/10dlc/website/web-066/

## Why this rule exists

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.

## How to fix it

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 of a compliant value

```text
Site offers financing → direct lending: true.
```