> For the complete documentation index, see [llms.txt](https://docs.uptiq.ai/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.uptiq.ai/retail-lending/glossary.md).
# Glossary
Reference Retail LOS lending, decisioning, and operations terminology.
| Term | Meaning |
| --------------------- | ------------------------------------------------------------------------------------------------------------------------------------ |
| ACH | Electronic bank transfer between accounts. |
| Adverse action notice | A required notice telling a declined applicant why, under Regulation B and the Fair Credit Reporting Act. |
| APR / APY | Yearly cost of borrowing / yearly return on a deposit including compounding. |
| Amortization schedule | A table of every payment split into principal and interest. |
| Beneficial owner | A person owning 25% or more of a business. Captured for business applications. |
| Bureau | A credit reporting company such as Experian, Equifax or TransUnion. |
| Core banking | The Financial Institution (FI)'s main system of record for accounts. |
| DSCR | Debt service coverage ratio. 1.00 means the business earns exactly enough to pay its debts. |
| DTI | Debt-to-income ratio: monthly debt payments divided by monthly income. |
| FI | Financial Institution: the bank, credit union or other lender that uses Retail LOS. Each FI is a tenant. |
| FI Administrator | The person at your FI who holds the Tenant Administrator role and configures Retail LOS. It is separate from the Administrator role. |
| FICO / Intelliscore | The consumer credit score / the business credit score. |
| FOIR | Fixed obligations to income ratio, from bank statements. |
| Hard / soft pull | A credit inquiry that can lower a score slightly / one that does not. |
| Index and margin | A variable rate is a published index (such as Prime) plus the lender's margin. |
| LTV | Loan-to-value: the loan amount divided by the collateral's value. |
| Magic link | An emailed sign-in link that replaces a password. |
| Member | A customer of a credit union. Retail LOS calls the person applying an applicant, and the person on file a client. |
| OCR / Document AI | Reading text and fields from uploaded documents automatically. |
| Reg B, Reg Z, FCRA | US rules on fair lending and notices, on disclosing the cost of credit, and on credit reporting. |
| Resolver step | A Flow Designer step whose questions are filled in at intake from the chosen products. |
| Simulator | A test tool in the matrix and the workflow builder that shows what a decision would be. |
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Maintained by Abhishek Paul
AI-assisted, human-approved
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