The Standard is only as good as its triggers, and triggers are only as good as the borderline files that test them.
A borderline case is a file reasonable reviewers would split on — a rating that could defensibly land on either side of a line. The library collects these files in sanitized form, has them adjudicated by a panel of senior practitioners, and uses the adjudicated answers for two things: measuring escalation recall (the share of borderline files an agent correctly routes to a human), and minting new triggers when a case reveals a gap. Every adjudicated miss becomes a rule. This is how the Standard improves — by casework, not by opinion.
Accepted cases carry their contributor’s name. The library is practitioner scholarship — the modern equivalent of the annotated deal files that used to pass from mentor to mentor — and scholarship is credited. Your institution is never named; you are, unless you ask otherwise. Contributors of adjudicated cases are acknowledged in the Standard’s revision notes.
Submit a borderline case.
A summary of the file, the two defensible ratings, and the argument for each. A practitioner will follow up on sanitization before anything enters the library.
Start a submission →See what your case would sharpen.
The Standard’s trigger categories and governance metrics are built from cases like yours — read the exposure draft and comment on it.
The Standard →Questions about a potential submission: manifesto@creditboard.org