Application Working Group

The Application working group has developed the standard for home loan applications. The parties to the application standard are lenders and loan writers (including the lender's staff and third party brokers). This working group developed the standard for residential mortgage applications, the Credit Application Language (CAL). This standard is widely used by the majority of lenders, aggregators and brokers. CAL was the first standard developed by LIXI. The Variations Working Group was responsible for incorporating SMSF and Variations into CAL and the CAL 1.6 package which was released in December 2012.

The most recent work of the Applications Working Group has been done via the NCCP Working Group, which deals with that section of CAL which relates to the National Consumer Credit Protection bill. The most recently released version of CAL is CAL 1.6a and includes work completed by the NCCP Working Group. The NCCP working group changes were also updated retroactively into CAL versions 1.3, 1.4 and 1.5 as 1.3c, 1.4c and 1.5d. These changes, along with the release of CAL 1.6a, were done on 29 May 2013.

The previous CAL standard release was 1.5c, which supported attachments for both the loan application and the backchannel status message. Previous to that was CAL 1.4b, incorporating support for non-conforming loan applications and the anti-money-laundering requirements. The most recent previous CAL for conforming loan applications (incorporating the anti-money-laundering requirements) is 1.3b. All versions utilise the CAL 1.3a response schema although they can both use the 1.5 response schema at the lender's discretion.

Note that the standards developed by this group relate to loan application submission. Standards relating to electronic status messages (indicating the progress of the loan application) are developed by the Back Channel working group.

Convenor: Erik Fenna as LIXI CEO


The Applications Working Group has two sub-working groups: NCCP and Variations


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