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The Adjudicated Case Library
Why It Exists

The Standard is only as good as its triggers, and triggers are only as good as the borderline files that test them.


What the Library Is

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.

Before You Submit

Sanitization Requirements

I.
No identification, direct or reconstructable.Remove borrower and guarantor names, addresses, tax IDs, account numbers, and your institution’s name. Then go further: round figures, shift dates, and generalize geography and industry detail enough that the borrower could not be re-identified by someone who knows the market. A case that is recognizable is a case we cannot accept.
II.
Preserve what makes it borderline.Sanitize the identity, not the tension. Keep the ratio levels, the covenant posture, the trend shape, and the facts that put the file near the line — if sanitization resolves the ambiguity, the case has lost its value. State the competing ratings and the argument for each.
III.
Your authority to share it is yours to clear.Submit only what your institution’s policies permit you to share in sanitized form. We review every submission before acceptance and will reject a case on sanitization grounds alone — but the first line of defense is the submitter’s own clearance.

Attribution

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.


Contribute

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 →
The Framework

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