Legal & disclaimer

methodology_version 2026.09.0

Not a credit rating. The Bank Credit Conditions Panel does not replace S&P, Moody’s, Fitch, Kroll, or any supervisory or agency rating. It does not provide investment, legal, or accounting advice.

Soft launch is waitlist-honest: public sample + docs + manual / staging keys. Checkout is via PayU hub at checkout.idlidu.com — no card products until a vendor is named. Track and platform legal drafts are not counsel-reviewed.

Platform legal pack

Shared Terms / Privacy / AUP (drafts): Terms · Privacy · AUP · index www /legal.

Retention posture: common/legal/RETENTION.md. Subprocessors: common/legal/SUBPROCESSORS.md. Track notes: LEGAL-NOTES.md.

Sources & attribution

Derived series are built from public FFIEC CDR call-report distributions and FDIC institution metadata. idlidu is not an official FDIC or FFIEC product. Live FFIEC PWS credentials / automated facsimile path remain owner-gated (see SOURCES.md / LEGAL-NOTES.md).

Limitations

Filing and public-distribution lags
Form-map / schedule revision risk (handled via methodology_version + vintages)
Capped early universe; synthetic staging may be used before live TDF backfill
Proxies where reporter forms lack clean fields

Acceptable use

Self-serve API/MCP access for automated systems. No resale of raw regulatory dumps as an official feed. No representing idlidu outputs as government ratings.

Methodology →