concept_taxonomy.yaml

version: v1.0
n_canonical: 252
concepts:
- id: adverse_action_notice
  definition: Duty to notify and justify denial/counteroffer on a credit application.
  primary_domain: general
- id: aircraft_cargo_placement
  definition: Placement, accessibility, and location of hazmat cargo aboard aircraft
    (accessible vs inaccessible loading).
  primary_domain: logistics
- id: aml_cft_program
  definition: 'Institution''s AML/CFT internal framework: policies, controls, compliance
    officer, group-wide and cross-border application.'
  primary_domain: banking
- id: aml_training_awareness
  definition: Staff training and awareness measures to detect and prevent money laundering
    and terrorist financing.
  primary_domain: banking
- id: annual_leave
  definition: Paid annual leave entitlement, accrual, duration and caps.
  primary_domain: labor
- id: anti_discrimination
  definition: Neutral, non-discriminatory claims settlement barring bias on protected
    characteristics or territory.
  primary_domain: insurance
- id: arson_exception
  definition: Exception to claim-handling rules where arson or similar wrongful conduct
    is involved.
  primary_domain: insurance
- id: asset_liability_valuation
  definition: Fair-value, arm's-length valuation of assets and liabilities, including
    own-credit-standing exclusion.
  primary_domain: insurance
- id: authorized_packaging
  definition: Authorized/combination/non-bulk/bulk packaging types and the shipper's
    obligation to use packaging authorized for the material.
  primary_domain: logistics
- id: auto_repair_freedom
  definition: Insured's right to choose the repair shop and prohibition on mandating
    a specific repairer for motor-vehicle claims.
  primary_domain: insurance
- id: base_salary
  definition: Base salary and contractually agreed remuneration.
  primary_domain: labor
- id: beneficial_ownership
  definition: Identification of the natural persons who ultimately own or control
    a customer or corporate entity, incl. ownership registers.
  primary_domain: banking
- id: candidate_verification
  definition: Verification of a hire's professional and personal aptitudes before
    engagement.
  primary_domain: labor
- id: capital_deductions
  definition: Items deducted from own funds (intangibles, deferred tax assets, significant
    investments, credit-risk adjustments).
  primary_domain: banking
- id: capital_requirements
  definition: Minimum and additional capital/own-funds requirements, incl. Pillar
    2 and buffer-related restrictions.
  primary_domain: banking
- id: card_based_payments
  definition: Card-based payment instruments issued by third parties and related confirmations.
  primary_domain: banking
- id: cargo_tank_requirements
  definition: 'Cargo tank and portable/tank equipment: markings, relief valves, level
    gauging, filling density, and periodic inspection.'
  primary_domain: logistics
- id: carrier_transport_contract
  definition: 'Logistics: freight/carriage contract, carrier obligations, and liability.'
  primary_domain: general
- id: central_counterparty_clearing
  definition: Clearing of OTC derivatives through central counterparties, incl. QCCP
    treatment and CCP exposures.
  primary_domain: banking
- id: claim_acceptance_or_denial
  definition: Affirmation or denial of coverage for a claim within a reasonable time,
    with a stated basis.
  primary_domain: insurance
- id: claim_acknowledgement
  definition: Insurer's prompt acknowledgement and initial communication of receipt
    of a claim.
  primary_domain: insurance
- id: claim_investigation
  definition: Prompt, reasonable investigation of a claim, including required standards
    and materiality limits.
  primary_domain: insurance
- id: claim_payment_deadline
  definition: Deadline for actual payment of an accepted claim once due.
  primary_domain: insurance
- id: claimant_rights
  definition: Rights of claimants and insureds during claim handling, including definitions
    of claimant and first-party claim.
  primary_domain: insurance
- id: claims_handling_procedures
  definition: Insurer's internal written standards, procedures, and claims-agent training
    for claim handling.
  primary_domain: insurance
- id: client_reporting
  definition: Periodic/durable-medium communications and statements to clients.
  primary_domain: general
- id: closure_integrity
  definition: Requirements that closures, manholes, and seals be leakproof and secured
    to prevent release.
  primary_domain: logistics
- id: coercive_settlement_practice
  definition: Prohibited coercive or leveraging tactics that pressure claimants (compelling
    litigation, using coverage as leverage, restricting attorney access).
  primary_domain: insurance
- id: collective_bargaining
  definition: Collective agreements, mandatory negotiation duties and union representation.
  primary_domain: labor
- id: compensatory_rest
  definition: Replacement rest granted when normal rest is reduced or worked.
  primary_domain: labor
- id: competent_authority
  definition: The regulatory/supervisory authorities and standard-setters (EBA, competent
    authority) and their instruments.
  primary_domain: banking
- id: compliance_function
  definition: Compliance policies, compliance officer, and monitoring of personal
    transactions/tied agents.
  primary_domain: banking
- id: compressed_gas_material
  definition: Compressed, liquefied, nonliquefied, or refrigerant gases and pressurized
    receptacles/aerosols as regulated substances.
  primary_domain: logistics
- id: conflict_of_interest
  definition: Identifying and preventing conflicts between interests in a regulated
    activity.
  primary_domain: general
- id: conflicts_of_interest
  definition: Identification, prevention, and management of conflicts of interest.
  primary_domain: banking
- id: consent
  definition: Free/explicit consent as a validity or processing condition.
  primary_domain: general
- id: consumer_credit
  definition: 'Consumer lending disclosures: loan/finance charges, mortgages, ability-to-repay.'
  primary_domain: general
- id: consumer_liability_eft
  definition: Consumer liability limits and notice requirements for unauthorised electronic
    fund transfers / access devices.
  primary_domain: banking
- id: contract_form_requirements
  definition: Written/electronic form, language and legibility requirements for the
    contract.
  primary_domain: labor
- id: correspondent_banking
  definition: Rules for cross-border correspondent relationships, respondent institutions,
    and payable-through accounts.
  primary_domain: banking
- id: corrosive_material
  definition: Corrosive materials (Class 8) as a regulated substance category.
  primary_domain: logistics
- id: cost_and_charge_disclosure
  definition: Disclosure of all costs and charges associated with an insurance-based
    investment product.
  primary_domain: insurance
- id: coverage_disclosure
  definition: Disclosure to claimants of applicable coverage, benefits, and policy
    limits.
  primary_domain: insurance
- id: credit_exposure
  definition: 'Banking: exposures, obligors, default, past-due, collateral, and mortgages.'
  primary_domain: general
- id: credit_institution_definition
  definition: Definitions and scope of credit/financial institutions and deposit-taking
    activity.
  primary_domain: banking
- id: credit_risk
  definition: Credit-risk exposure measurement, defaults, past-due obligors, and non-performing
    exposures.
  primary_domain: banking
- id: credit_risk_mitigation
  definition: Recognition of collateral, covered bonds, and other techniques that
    reduce credit-risk exposure.
  primary_domain: banking
- id: creditworthiness_assessment
  definition: Evaluation of a borrower's creditworthiness and ability to repay.
  primary_domain: banking
- id: cross_border_operations
  definition: Right of establishment / freedom to provide services across jurisdictions.
  primary_domain: general
- id: cross_selling
  definition: Rules on bundled or tied products, component separability, and cost
    disclosure in cross-selling.
  primary_domain: insurance
- id: customer_due_diligence
  definition: Identifying and verifying customers and understanding the business relationship
    before/while providing services (CDD/KYC).
  primary_domain: banking
- id: customer_identity_verification
  definition: Verifying the identity of the customer and confirming who holds/controls
    the account.
  primary_domain: banking
- id: cylinder_requalification
  definition: Periodic requalification, visual inspection, service-pressure verification
    and pressure-relief-device checks of cylinders.
  primary_domain: logistics
- id: cylinder_requirements
  definition: Compressed-gas cylinder construction, materials (aluminum/DOT-3AL),
    oxygen service, and filling limits.
  primary_domain: logistics
- id: daily_rest
  definition: Minimum uninterrupted rest between two working days.
  primary_domain: labor
- id: dangerous_goods_transport
  definition: 'Logistics: transport of hazardous/dangerous goods and required notification.'
  primary_domain: general
- id: data_protection
  definition: Protection of personal data and explicit consent to its processing.
  primary_domain: banking
- id: definitions
  definition: Regulatory definitional provisions (business day, form title, working
    day, etc.).
  primary_domain: general
- id: derivatives_reporting
  definition: Derivative-contract lifecycle events, novation, and reporting to trade
    repositories.
  primary_domain: banking
- id: disclosure_obligation
  definition: Duty to disclose required information to counterparties or authorities.
  primary_domain: general
- id: dismissal_for_cause
  definition: Termination grounded in employee fault, misconduct or good cause.
  primary_domain: labor
- id: dismissal_general
  definition: Termination of employment by the employer as a general concept.
  primary_domain: labor
- id: dismissal_justification
  definition: Requirement to state and justify a real and serious cause for dismissal.
  primary_domain: labor
- id: dismissal_procedure
  definition: 'Procedural steps for dismissal: interview, summons, registered letter,
    deadlines.'
  primary_domain: labor
- id: dismissal_protection
  definition: Special dismissal protection for disability, maternity and protected
    periods.
  primary_domain: labor
- id: dismissal_remedies
  definition: 'Remedies for unlawful dismissal: reinstatement, indemnity, compensation
    caps, scales.'
  primary_domain: labor
- id: distributor_conduct
  definition: Honest, fair, professional conduct of insurance distributors acting
    in the client's best interest, including distributor identity and complaints handling.
  primary_domain: insurance
- id: dividend_and_financial_misrepresentation
  definition: Prohibition on misrepresenting dividends, financial condition, or estimates,
    and on inducing policy replacement or lapse.
  primary_domain: insurance
- id: documentation_standard
  definition: Standards for documentation, record retention, and evidentiary records
    in insurance operations.
  primary_domain: insurance
- id: drum_specification
  definition: Construction and specification standards for drums and jerricans (steel/aluminum/plastic,
    1A/1B/1H specs, UV resistance).
  primary_domain: logistics
- id: economic_dismissal
  definition: Dismissal on operational/redundancy grounds not linked to the person.
  primary_domain: labor
- id: electronic_documentation
  definition: 'Logistics: electronic/machine-readable regulatory transport information
    platforms.'
  primary_domain: general
- id: electronic_fund_transfer_errors
  definition: 'Error resolution for electronic fund transfers: notice, investigation
    timeline, provisional credit (Reg E).'
  primary_domain: banking
- id: electronic_money
  definition: Electronic money and anonymous prepaid card products and their low-risk
    derogations.
  primary_domain: banking
- id: eligible_own_funds
  definition: Own funds eligible to cover capital requirements.
  primary_domain: insurance
- id: emergency_response_information
  definition: 'Emergency response and first-aid information: immediate hazards, incident
    mitigation, spill handling, and response plans accompanying a shipment.'
  primary_domain: logistics
- id: employee_registration
  definition: Registering employees in official registers and transmitting data to
    authorities.
  primary_domain: labor
- id: employee_rights
  definition: General employee rights, entitlements, information and consultation.
  primary_domain: labor
- id: employer_obligations
  definition: General employer duties and cost-bearing obligations toward employees.
  primary_domain: labor
- id: employment_contract
  definition: The individual employment contract, its essential clauses and formation.
  primary_domain: labor
- id: employment_relationship_criteria
  definition: 'Tests defining an employment relationship: subordination, dependency,
    substance over form.'
  primary_domain: labor
- id: enhanced_due_diligence
  definition: Heightened AML scrutiny for higher-risk customers, relationships, or
    jurisdictions.
  primary_domain: general
- id: environmentally_hazardous_material
  definition: Marine pollutants, petroleum oil, and other environmentally hazardous
    / miscellaneous (Class 9) substances and reportable/hazardous-substance status.
  primary_domain: logistics
- id: explosive_material
  definition: Explosives and explosive articles, including fireworks, cartridges,
    and detonating cord.
  primary_domain: logistics
- id: exposure_class
  definition: Classification of exposures by counterparty/asset type (retail, residential
    mortgage, central government, MDBs, etc.).
  primary_domain: banking
- id: extraordinary_termination
  definition: Summary/immediate termination without notice for serious cause and its
    deadlines.
  primary_domain: labor
- id: fair_lending
  definition: 'Non-discrimination in credit: prohibited bases, marital status, age,
    childbearing, income, account treatment.'
  primary_domain: banking
- id: fair_lending_data_collection
  definition: Collection of demographic/monitoring data for fair-lending oversight
    (HMDA, ethnicity/race, dwelling-secured credit).
  primary_domain: banking
- id: false_advertising
  definition: Prohibition on false, deceptive, or misleading advertising, statements,
    or public dissemination about insurance.
  primary_domain: insurance
- id: financial_intelligence_unit
  definition: The national authority (FIU) that receives, analyses, and acts on suspicious-transaction
    reports.
  primary_domain: banking
- id: fit_and_proper
  definition: 'Suitability of board members and key staff: knowledge, independence
    of mind, and directorship limits.'
  primary_domain: banking
- id: flammable_liquid_material
  definition: Flammable and combustible liquids as a regulated material category.
  primary_domain: logistics
- id: form_requirements
  definition: 'Formal requirements: written/registered-letter/language/legibility
    of documents.'
  primary_domain: general
- id: fraud_investigation_and_reporting
  definition: Special investigation units, mandatory fraud reporting, notification,
    and referral to authorities.
  primary_domain: insurance
- id: fraud_reporting_immunity
  definition: Civil liability protection and good-faith immunity for parties reporting
    suspected fraud without malice.
  primary_domain: insurance
- id: good_faith_settlement
  definition: Overarching obligation of good faith and fair dealing in settling and
    handling claims.
  primary_domain: insurance
- id: governance
  definition: Internal governance, management-body accountability, and organisational
    arrangements.
  primary_domain: general
- id: governance_arrangements
  definition: Overall internal governance, organisational structure, and sound-management
    arrangements of the institution.
  primary_domain: banking
- id: harassment
  definition: 'Moral harassment: repeated acts degrading conditions, dignity or career
    prospects.'
  primary_domain: labor
- id: hazard_class_division
  definition: A specific hazard class or division code (Class 1-9 and their divisions,
    e.g. 1.1, 2.1, 5.1, 6.1) identifying the primary hazard type.
  primary_domain: logistics
- id: hazard_classification
  definition: The system and act of classifying a material by its hazard nature (assigning
    class, division, or determining what makes it hazardous).
  primary_domain: logistics
- id: hazard_labeling
  definition: 'Hazard labels and their design/specifications: diamond labels, color,
    background, durability, weather resistance, and class-specific label types.'
  primary_domain: logistics
- id: hazmat_marking
  definition: 'Required markings on packages: identification number, RQ, orientation,
    technical name, and non-bulk/bulk marking requirements.'
  primary_domain: logistics
- id: hazmat_training
  definition: 'Hazmat employee training: initial, recurrent (three-year cycle), security,
    and function-specific training.'
  primary_domain: logistics
- id: high_cost_mortgage
  definition: 'Restrictions on high-cost/higher-priced mortgages: APR thresholds,
    balloon payment and negative-amortization bans.'
  primary_domain: banking
- id: high_risk_jurisdiction
  definition: Enhanced obligations toward third countries with strategic AML/CFT deficiencies.
  primary_domain: banking
- id: ibip_investment_product
  definition: Insurance-based investment products (IBIP) and their distribution-specific
    requirements.
  primary_domain: insurance
- id: identity_verification
  definition: Confirming the identity of a customer or beneficial owner from reliable
    evidence.
  primary_domain: general
- id: incident_reporting
  definition: 'Reporting of hazmat incidents: immediate telephone notification, National
    Response Center, and written reports (DOT Form 5800.1).'
  primary_domain: logistics
- id: inner_packaging_protection
  definition: Protection of contents via cushioning, inner packaging protection, and
    safe internal arrangement.
  primary_domain: logistics
- id: insolvency_protection
  definition: Protection of injured third parties against insurer or insured insolvency
    and mandatory liability-policy provisions.
  primary_domain: insurance
- id: insurance_contract
  definition: Formation, scope, exclusions, premiums, and termination of insurance
    cover.
  primary_domain: general
- id: insurance_distribution
  definition: Insurance intermediary/distributor conduct, competence, and indemnity
    duties.
  primary_domain: general
- id: insurance_fraud
  definition: Fraudulent insurance acts including false material statements, application
    fraud, and workers-compensation fraud.
  primary_domain: insurance
- id: insured_duty_to_cooperate
  definition: Insured's duty to cooperate, submit to examination under oath, and produce
    books and records.
  primary_domain: insurance
- id: insurer_indemnity_offer
  definition: Insurer's duty to make a timely indemnity offer within statutory deadlines
    (e.g. three/eight months).
  primary_domain: insurance
- id: insurer_liability
  definition: Insurer's coverage obligations, exemptions, and liability limits.
  primary_domain: general
- id: internal_controls
  definition: Internal control systems, segregation of duties, and internal policies.
  primary_domain: banking
- id: internal_model
  definition: Use, appropriateness, and use-test governance of an insurer's internal
    model.
  primary_domain: insurance
- id: investment_governance
  definition: Prudent-person principle and governance of investment risk.
  primary_domain: insurance
- id: irb_approach
  definition: Internal ratings-based approach for calculating credit-risk capital
    requirements.
  primary_domain: banking
- id: large_exposures
  definition: Limits, exemptions, and preferential treatment for large or concentrated
    exposures.
  primary_domain: banking
- id: leverage_ratio
  definition: Non-risk-based capital-to-exposure measure and its exposure/capital
    components.
  primary_domain: banking
- id: licensing_authorization
  definition: Requirement to be authorized/licensed to conduct a regulated activity.
  primary_domain: general
- id: limited_quantity_exception
  definition: Limited-quantity, consumer-commodity, small-quantity and packaging exceptions
    with reduced regulatory burden.
  primary_domain: logistics
- id: liquidity_requirements
  definition: Liquidity standards and requirements imposed on institutions.
  primary_domain: banking
- id: lithium_battery
  definition: Lithium batteries and their specific transport conditions and provisions.
  primary_domain: logistics
- id: loading_handling_operations
  definition: 'Operational safety during loading/unloading and transit: attendance,
    qualified persons, smoking prohibition, and heat-sensitive handling.'
  primary_domain: logistics
- id: management_body
  definition: The management/supervisory body, its accountability, and chairman/CEO
    separation.
  primary_domain: banking
- id: market_operational_risk
  definition: 'Banking: market, operational, and other non-credit risk categories.'
  primary_domain: general
- id: minimum_capital_requirement
  definition: Minimum Capital Requirement, its absolute floor, and linear-function
    calculation.
  primary_domain: insurance
- id: minimum_wage
  definition: Statutory or guaranteed minimum wage floor.
  primary_domain: labor
- id: misrepresentation_of_policy
  definition: Prohibition on misrepresenting policy provisions, coverage, benefits,
    or facts relevant to a claim.
  primary_domain: insurance
- id: money_laundering
  definition: Predicate offences and proceeds-of-crime concepts underlying AML controls.
  primary_domain: general
- id: money_laundering_terrorist_financing
  definition: 'The underlying financial-crime risks the AML/CFT regime targets: money
    laundering, terrorist financing, and predicate offences.'
  primary_domain: banking
- id: night_work
  definition: Definition, limits, and health protections specific to night-shift work.
  primary_domain: labor
- id: non_discrimination
  definition: General prohibition of discrimination in employment.
  primary_domain: labor
- id: notice_period
  definition: Advance notice required before termination, including seniority-based
    and minimum notice.
  primary_domain: labor
- id: occupational_health_safety
  definition: Prevention of occupational risk and worker health/safety protection.
  primary_domain: general
- id: on_call_duty
  definition: On-call, stand-by and readiness time and how it counts as working time.
  primary_domain: labor
- id: ongoing_monitoring
  definition: Continuous scrutiny of transactions and updating of customer information
    throughout the relationship.
  primary_domain: banking
- id: order_execution
  definition: 'Handling of client orders: prompt/fair/expeditious execution and order
    sequencing.'
  primary_domain: banking
- id: other_termination_modes
  definition: Termination by resignation, mutual dissolution agreement, and their
    effectiveness.
  primary_domain: labor
- id: overdraft_opt_in
  definition: Overdraft service consumer opt-in/consent requirements for ATM and debit-card
    transactions.
  primary_domain: banking
- id: overtime
  definition: Work beyond normal hours and its premium/increment compensation.
  primary_domain: labor
- id: own_funds
  definition: Regulatory capital of an institution and its components (CET1, Tier
    1, Tier 2, reserves, share premium, retained earnings).
  primary_domain: banking
- id: oxidizer_material
  definition: Oxidizing substances as a regulated material category.
  primary_domain: logistics
- id: packaging_performance_testing
  definition: Packaging design qualification, performance testing, and periodic retesting
    (drop, hydrostatic, leakproofness, type testing).
  primary_domain: logistics
- id: packing_group
  definition: The packing group (I/II/III) indicating degree of danger within a hazard
    class.
  primary_domain: logistics
- id: paid_leave
  definition: Paid annual-leave entitlement, accrual, and caps.
  primary_domain: general
- id: party_roles
  definition: 'Definition of the parties: employee and employer.'
  primary_domain: labor
- id: pay_equity
  definition: Equal pay, gender pay gap and non-discrimination in remuneration.
  primary_domain: labor
- id: payment_data_protection
  definition: Protection of sensitive payment data and secure open-standards communication.
  primary_domain: banking
- id: payment_initiation_services
  definition: Third-party payment initiation/account services (PISP, ASPSP) and funds-availability
    confirmation.
  primary_domain: banking
- id: payment_services
  definition: 'Payment/EFT services: initiation, execution, authentication, error
    resolution.'
  primary_domain: general
- id: personal_dismissal
  definition: Dismissal for reasons inherent to the person requiring real and serious
    cause.
  primary_domain: labor
- id: placarding
  definition: Placards and vehicle/tank markings displaying hazard information on
    transport units, including orange panels and square-on-point placards.
  primary_domain: logistics
- id: policy_nonrenewal_notice
  definition: Advance-notice requirements and timelines for policy nonrenewal of covered
    policies.
  primary_domain: insurance
- id: policy_nullity_for_misrepresentation
  definition: Nullity of the contract for the insured's intentional false declaration
    or concealment, with retention of premiums.
  primary_domain: insurance
- id: policy_provisions
  definition: Substantive terms, provisions, limits, and mandatory clauses of an insurance
    policy.
  primary_domain: insurance
- id: policyholder_protection
  definition: Safeguards for policyholders including insolvency and direct-action
    rights.
  primary_domain: general
- id: politically_exposed_person
  definition: Special AML category for high-profile public officials and associates.
  primary_domain: general
- id: pre_contractual_disclosure
  definition: Information the distributor must provide to customers before contract
    conclusion or before purchase.
  primary_domain: insurance
- id: pre_employment_information
  definition: Information and consent duties owed before work starts or contract conclusion.
  primary_domain: labor
- id: product_oversight_governance
  definition: Manufacturer's product approval, oversight, and governance obligations
    for insurance products.
  primary_domain: insurance
- id: prompt_fair_settlement
  definition: Duty to attempt prompt, fair and equitable settlement of claims where
    liability is reasonably clear.
  primary_domain: insurance
- id: prompt_payment_penalty
  definition: Penalties, penalty interest, damages, or attorney fees for delayed or
    late claim payment.
  primary_domain: insurance
- id: proof_of_loss
  definition: Requirements and standards for the insured's proof of loss and information
    supporting a claim.
  primary_domain: insurance
- id: proper_shipping_name
  definition: The proper shipping name, basic description, or technical name used
    to describe the material in transport documents and markings.
  primary_domain: logistics
- id: proportionality
  definition: Applying requirements proportionately to size, nature, and complexity.
  primary_domain: general
- id: prudential_supervision
  definition: Authority-led oversight of financial-institution soundness and solvency.
  primary_domain: general
- id: rate_regulation
  definition: Rate standards prohibiting excessive, inadequate, or unfairly discriminatory
    rates, and risk classification.
  primary_domain: insurance
- id: real_estate_exposure
  definition: Treatment of exposures secured by residential or commercial immovable
    property.
  primary_domain: banking
- id: record_keeping
  definition: Retention of transaction records and documentary evidence for compliance.
  primary_domain: general
- id: record_keeping_reporting
  definition: Record-keeping, reporting deadlines, and additional regulatory reporting
    obligations.
  primary_domain: banking
- id: recordkeeping_retention
  definition: Retention of transport records, manifests, and reports for required
    periods.
  primary_domain: logistics
- id: regulatory_definitions
  definition: Definitional and general-principle provisions (business day, notice
    of claim, general principles, proportionality).
  primary_domain: insurance
- id: regulatory_penalty
  definition: Assessment of penalties and defenses, including good-faith defense,
    remedial measures, compliance history, and extraordinary circumstances.
  primary_domain: insurance
- id: regulatory_reference
  definition: Regulatory scope, definitions, applicability, and reference materials
    (hazmat table, UN Manual of Tests and Criteria, HM column).
  primary_domain: logistics
- id: regulatory_standards
  definition: Technical standards, delegated acts, and other secondary regulatory
    instruments.
  primary_domain: banking
- id: remedies_framework
  definition: Cumulative, non-exclusive nature of statutory and common-law remedies
    available to claimants.
  primary_domain: insurance
- id: remuneration
  definition: General pay, salary, wages and their definition and components.
  primary_domain: labor
- id: remuneration_and_conflicts
  definition: Disclosure of remuneration and identification and management of conflicts
    of interest in distribution.
  primary_domain: insurance
- id: remuneration_policy
  definition: Remuneration and variable-remuneration policies and restrictions.
  primary_domain: banking
- id: reporting_obligation
  definition: Duty to report events/data to regulators (derivatives, RTS, timestamping).
  primary_domain: general
- id: rest_breaks
  definition: In-shift breaks and minimum break duration during the working day.
  primary_domain: labor
- id: rest_periods
  definition: Mandated breaks, daily/weekly rest, and compensatory rest.
  primary_domain: general
- id: risk_assessment
  definition: Identifying, analyzing, and rating risks (financial, operational, occupational).
  primary_domain: general
- id: risk_based_approach
  definition: Calibrating controls/vigilance to assessed risk levels (banking/AML).
  primary_domain: general
- id: risk_management
  definition: Systems, frameworks, and capacity for managing and bearing risk.
  primary_domain: general
- id: risk_management_framework
  definition: Risk management function, risk committee, risk appetite/strategy, and
    sound-risk-management requirements.
  primary_domain: banking
- id: risk_management_system
  definition: Risk-management system, continuous risk monitoring, and treatment of
    risk interdependencies.
  primary_domain: insurance
- id: risk_prevention_planning
  definition: Risk assessment and prevention/protection plans for the workplace.
  primary_domain: labor
- id: risk_weighted_exposure
  definition: Risk weighting of exposures and computation of risk-weighted exposure
    amounts.
  primary_domain: banking
- id: route_selection
  definition: Routing controls for high-hazard shipments, including radioactive routing
    and route selection based on risk.
  primary_domain: logistics
- id: safety_device_article
  definition: Manufactured safety devices such as air-bag inflators and seat-belt
    pretensioners (UN3268) as regulated articles.
  primary_domain: logistics
- id: scope_applicability
  definition: Provisions defining coverage, applicability, thresholds, and time periods.
  primary_domain: general
- id: segregation_stowage
  definition: Segregation, compatibility, and stowage of incompatible materials and
    cargo securement/attendance during transport.
  primary_domain: logistics
- id: settlement_amount_adequacy
  definition: Requirement that settlement offers be fair and reasonable, prohibiting
    lowball offers relative to claim value.
  primary_domain: insurance
- id: settlement_basis_and_scope
  definition: Basis, method, and scope of settlement including replacement cost, partial
    payment, releases, and covered damage.
  primary_domain: insurance
- id: settlement_timeline
  definition: Statutory or regulatory time limits governing claim handling, response,
    and settlement steps.
  primary_domain: insurance
- id: shift_work
  definition: Organisation of work in shifts and related derogations.
  primary_domain: labor
- id: shipper_certification
  definition: The shipper's/consignor's certification statement and responsibility
    that the shipment is properly prepared and offered for transport.
  primary_domain: logistics
- id: shipping_paper
  definition: The shipping paper / transport document itself, its preparation, content,
    entries, and legibility.
  primary_domain: logistics
- id: simplified_due_diligence
  definition: Reduced CDD measures permitted for demonstrably low-risk customers,
    products, or transactions.
  primary_domain: banking
- id: solvency_capital
  definition: 'Insurance: solvency, technical reserves, eligible own funds, and capitalisation.'
  primary_domain: general
- id: solvency_capital_requirement
  definition: Solvency Capital Requirement and related overall solvency needs of the
    insurer.
  primary_domain: insurance
- id: sources_of_law
  definition: Non-statutory sources such as collective, local and professional customs.
  primary_domain: labor
- id: spill_discharge_response
  definition: Spill/discharge response planning and cleanup actions, including contamination
    removal and discharge response.
  primary_domain: logistics
- id: strong_customer_authentication
  definition: Strong customer authentication (SCA), its exemptions, and personalised
    security credentials.
  primary_domain: banking
- id: subsidiary_hazard
  definition: A secondary/subsidiary hazard or compatibility grouping in addition
    to the primary hazard class.
  primary_domain: logistics
- id: suitability_assessment
  definition: Assessment of the client's knowledge, experience, risk tolerance, and
    ability to bear losses to determine product suitability.
  primary_domain: insurance
- id: sunday_holiday_rest
  definition: Rest on Sundays and public holidays, prohibitions and substitute rest.
  primary_domain: labor
- id: supervisory_authority
  definition: The competent body empowered to authorize, supervise, and enforce.
  primary_domain: general
- id: supervisory_powers
  definition: Powers and actions of competent/supervisory authorities over institutions.
  primary_domain: banking
- id: supervisory_review
  definition: Supervisory review and evaluation process (SREP), stress testing, and
    proportionality.
  primary_domain: banking
- id: suspicious_activity_reporting
  definition: Obligation to report suspected money laundering/terrorist financing
    to authorities.
  primary_domain: general
- id: suspicious_transaction_reporting
  definition: Obligation to report suspicious transactions/activity to authorities,
    and related recognition duties.
  primary_domain: banking
- id: sustainable_development
  definition: Environmental protection and sustainability as regulatory objectives.
  primary_domain: general
- id: system_of_governance
  definition: Overall system of governance, organisational arrangements, and conflict-of-interest
    prevention at insurer level.
  primary_domain: insurance
- id: technical_provisions
  definition: Technical provisions calculated on a market-consistent, transfer-value,
    prudent basis.
  primary_domain: insurance
- id: termination_of_employment
  definition: Dismissal, notice, redundancy, mutual/unilateral and by-law termination
    of employment.
  primary_domain: general
- id: terrorist_financing
  definition: Financing of terrorism as a regulated financial-crime risk.
  primary_domain: general
- id: third_party_liability_claim
  definition: 'Third-party liability insurance mechanics: defense, indemnity, subrogation,
    recourse, and third-party rights (incl. RC auto / Haftpflicht).'
  primary_domain: insurance
- id: toxic_material
  definition: Poisonous/toxic materials and poison-inhalation-hazard substances, including
    toxicity and inhalation-zone criteria.
  primary_domain: logistics
- id: transaction_monitoring
  definition: Screening and analysis of transactions to detect unusual, suspicious,
    or anomalous activity.
  primary_domain: banking
- id: transparency
  definition: General principle of openness and clear communication to stakeholders.
  primary_domain: general
- id: transport_authorization
  definition: 'Logistics: operator/community licences, market access, cabotage, and
    profession access.'
  primary_domain: general
- id: transport_by_air
  definition: 'Air-transport requirements: passenger vs cargo aircraft limits, cargo-aircraft-only,
    carry-on/baggage rules, and quantity limitations.'
  primary_domain: logistics
- id: transport_by_highway
  definition: Highway/road transport requirements for vehicles carrying hazardous
    materials, including stowage and fire-extinguisher rules.
  primary_domain: logistics
- id: transport_by_rail
  definition: Rail transport requirements including rail acceptance and shipper certification
    for rail.
  primary_domain: logistics
- id: transport_by_vessel
  definition: Vessel/marine transport requirements including cargo transport units
    and vessel stowage.
  primary_domain: logistics
- id: transport_marking
  definition: 'Logistics: marking of packages/shipments (shipping name, ID, inhalation
    hazard).'
  primary_domain: general
- id: un_number_identification
  definition: The UN/identification number, EX/FC number, or numeric identifier assigned
    to a hazardous material.
  primary_domain: logistics
- id: unauthorised_transaction_liability
  definition: Liability, refunds, and account restoration for unauthorised or fraudulent
    payment transactions.
  primary_domain: banking
- id: unfair_claims_practice
  definition: General prohibition on unfair or deceptive claim settlement practices,
    including as a general business practice.
  primary_domain: insurance
- id: unfair_dismissal
  definition: Dismissal lacking valid justification and its legal qualification.
  primary_domain: labor
- id: vehicle_as_cargo
  definition: Vehicles, engines, and internal-combustion machinery shipped as cargo,
    including fuel-tank draining requirements.
  primary_domain: logistics
- id: vehicle_decontamination
  definition: Inspection and decontamination of aircraft/vehicles for residual contamination
    after hazmat carriage.
  primary_domain: logistics
- id: vehicle_inspection
  definition: Pre-inspection and vehicle-inspection requirements for automobile physical-damage
    coverage at inception.
  primary_domain: insurance
- id: vulnerable_workers
  definition: Special rules for young workers and other protected worker categories.
  primary_domain: labor
- id: waiver_and_settlement
  definition: Waiver of claims, conciliation and settlement around termination disputes.
  primary_domain: labor
- id: waste_manifest
  definition: Hazardous waste manifest documentation (EPA Form 8700-22), generator/carrier
    signatures and retention.
  primary_domain: logistics
- id: weekly_rest
  definition: Minimum weekly rest period and consecutive rest hours.
  primary_domain: labor
- id: wet_battery
  definition: Wet/electric storage batteries, electrolyte handling, upright stowage,
    and short-circuit/heat prevention.
  primary_domain: logistics
- id: worker_eligibility
  definition: Employee/employer status, thresholds, and eligibility for statutory
    protections.
  primary_domain: general
- id: worker_health_surveillance
  definition: Medical examinations, health monitoring and fitness of (night) workers.
  primary_domain: labor
- id: worker_wellbeing
  definition: Physical and mental health, dignity and adapted work organisation.
  primary_domain: labor
- id: working_time
  definition: Limits on daily/weekly working hours and averaging/reference periods.
  primary_domain: general
- id: working_time_derogation
  definition: Sectoral/collective exceptions extending working time or reducing rest.
  primary_domain: labor
- id: working_time_limits
  definition: Statutory caps on daily/weekly working hours and reference/averaging
    periods.
  primary_domain: labor
- id: workplace_safety
  definition: Employer duty to ensure health and safety and prevent occupational risks.
  primary_domain: labor