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## 2.7.1.4 Restriction Preference

This topic describes about configuring products to allowed or disallowed branches, customer categories and/or adhoc codes

These restrictions maintained at product level are validated while on-boarding loan account / Line of Credit.

Note:

- Branch Code restriction will be applicable on the branch where the account is getting opened.
- Customer category code restriction will be applicable on customer category of the primary customer of the loan account / Line of Credit.
- User can configure either the allowed list or the disallowed list for a product, but not both at the same time.

1. Click Next in the Product Preference screen to define the stage.
   The Restriction Preference screen is displayed.

   Figure 2-59 Restriction Preference - Category Code Restriction

   Description of "Figure 2-59 Restriction Preference - Category Code Restriction"
2. Select the Category Code Restriction tab.
   The Restriction Preference - Category Code Restriction screen is displayed.

   User can create a product with allowed/ disallowed list of Customer Categories in Restriction preference.

   1. Select the appropriate option allow/disallow some products for configuring restriction preferences.
   2. Specify the fields on the Restriction Preference - Category Code Restriction screen.

      Table 2-59 Restriction Preference - Category Code Restriction - Field Description

      Field | Description
      --- | ---
      Category Code Restriction | The list of allowed/disallowed customer categories can be configured in this section. Note: Customer category code restriction will be applicable on customer category of the primary customer of the loan account / Line of Credit.
      Restriction Details | Select the restriction details from the drop-down list. The available options are: Allowed Disallowed Note: The Allowed option requires a minimum of one customer category code to be added. For the Disallowed option, user can add a list of category codes, but this is not mandatory.
      Customer Category Details | The Customer categories maintained in Core Maintenance → View Customer Category. Select the appropriate category from the provided pick-list to add the customer categories.
      + button | Click to add a row.
      Delete | Click to delete a row that is already selected.
      Customer Categories Code | Specify the allowed/disallowed customer category code from the drop-down list.
      Customer Category Description | Displays the customer category description.
      Action | Displays the actions to be taken for restriction preference. The available options are: Edit - Click to edit the restriction preference. As user clicks this icon, the fields becomes editable. User can edit the required details and click Save. Delete - Click to delete the restriction preference record.

3. Select the Branch Code Restriction tab.
   The Restriction Preference - Branch Code Restriction screen is displayed.

   You can create a product with allowed/disallowed list of branch codes in Restriction preference.

   1. Select the appropriate option allow/disallow some products for configuring restriction preferences.
   2. Specify the fields on the Restriction Preference - Branch Code Restriction screen.

      Figure 2-60 Restriction Preference - Branch Code Restriction

      Description of "Figure 2-60 Restriction Preference - Branch Code Restriction"

      Table 2-60 Restriction Preference - Branch Code Restriction - Field Description

      Field | Description
      --- | ---
      Restriction Details | Select the restriction details from the drop-down list. The available options are: Allowed Disallowed Note: The Allowed option requires a minimum of one branch code to be added. For the Disallowed option, you can add a list of branch codes, but this is not mandatory.
      Branch Code Details | The Branch Codes maintained in Core Maintenance → External Branch Parameters → View External Branch Parameters screen are shown in the list of adding the branch codes.
      + button | Click to add a row.
      Delete | Click to delete a row that is already selected.
      Branch Code | Specify the allowed/disallowed branch code from the drop-down list.
      Branch Description | Displays the branch description,
      Action | Displays the actions to be taken for restriction preference. The available options are: Edit - Click to edit the restriction preference. As user clicks this icon, the fields becomes editable. User can edit the required details and click Save. Delete - Click to delete the restriction preference record.

4. Select the Adhoc Restriction tab.
   The Restriction Preference - Adhoc Restriction screen is displayed.

   User can create a product with allowed/ disallowed list of Adhoc codes in Restriction preference. The allowed values of adhoc codes are defined by the lookup type ADDL_RESTRICTION

   1. Select the appropriate option allow/disallow some products for configuring restriction preferences.
   2. Specify the fields on the Restriction Preference - Adhoc Restriction screen.

      Figure 2-61 Restriction Preference - Adhoc Restriction

      Description of "Figure 2-61 Restriction Preference - Adhoc Restriction"

      Table 2-61 Restriction Preference - Adhoc Restriction - Field Description

      Field | Description
      --- | ---
      Adhoc Code Details | This section enables the configuration of products subject to Regulation Z (Reg Z) and Insider exposure limit.
      + button | Click to add a row.
      Delete | Click to delete a row that is already selected.
      Adhoc Code | Specify the allowed/disallowed adhoc code from the drop-down list. The available options are: REGZ_APPLICABLE- If attached, the product is categorized as Reg Z-enabled, and corresponding compliance features shall be triggered. This is to identify whether the Product is RegZ applicable or not INSIDER_LIMIT_APPLICABLE - If attached to a product, insider lending limit validations will apply. The Insider Exposure Service aggregates the balances of all accounts under this product to calculate the total party exposure.
      Adhoc Code Description | Displays adhoc code description.
      Action | Displays the actions to be taken for restriction preference. The available options are: Edit - Click to edit the restriction preference. As user clicks this icon, the fields becomes editable. User can edit the required details and click Save. Delete - Click to delete the restriction preference record.

5. Perform one of the following action:
   - Click Cancel to close the details without saving.
   - Click Back to go back to previous tab.
   - Click Save and Close to save the details.
   - Click Next to save and navigate to the next screen.

Parent topic: Create Product