Real-World Example
Jane accepts a payment plan from ABC Collections. Before the plan is finalized, Jane should see the current Terms & Conditions for ABC Collections.
If ABC Collections updates its terms later, new consumer flows should use the updated terms. The system should not show Jane terms from another creditor.
Visual Flow
How It Should Work
- It should let the creditor create or update the terms consumers need to accept or review.
- It should sanitize submitted rich-text HTML before storage, preserving supported formatting while removing unsupported or unsafe elements and attributes.
- The sanitized result should contain visible text before it can be saved.
- The correct terms should appear in consumer-facing flows.
- Terms should remain connected to the correct creditor account.
How It Should Not Work
- It should not show another creditor’s terms to consumers.
- It should not remove required terms from consumer payment or negotiation flows.
- It should not store scripts, unsafe embeds, unsafe links, or event-handler attributes from editor content.
- It should not publish unintended draft text.
Last modified on July 30, 2026
