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