Change history
Versions and diff
Every saved version is immutable and carries its author, catalogue version and rationale. The diff is expressed in the same language the builder uses, so a reviewer reads changes as sentences rather than as structural noise, alongside the population each rule captured.
Version history
Ordered oldest to newest. Immutable versions cannot be edited; a new version is created instead.
| Version | Status | Author | Created | Catalogue | Rules | Runs | Rationale |
|---|---|---|---|---|---|---|---|
| v1 | Archived | M. Alvarez | May 12 2026, 13:24:00 UTC | cat-2026.04 | 4 | 6 | Initial governed money market reduction policy with balance-only relationship hold. |
| v2 | Archived | M. Alvarez | Jun 08 2026, 10:41:00 UTC | cat-2026.05 | 5 | 9 | Added a distinct cohort for highly rate sensitive accounts. |
| v3 | Archived | J. Whitfield | Jul 06 2026, 15:08:00 UTC | cat-2026.06 | 5 | 11 | Relationship hold extended with any-of relationship conditions at a $300,000 threshold. |
| v4working | Draft | Pavan S B | Jul 28 2026, 11:02:00 UTC | cat-2026.07 | 5 | 0 | Relationship hold threshold reduced to $250,000 following relationship protection review. |
Compare versions
Population counts are evaluated against the selected snapshot, so the diff shows both the logic change and its effect.
Rule 1 · No Action — Pointer Ineligible
Rule 1: eligible accounts where the account is not attached to a repricing pointer are assigned to No Action — Pointer Ineligible. Accounts already matched by an earlier rule are not reconsidered.
Rule 2 · Relationship Hold — High Balance
Rule 2: eligible accounts where Current Balance is at least $250,000 and at least one of the following holds: Relationship Tier is Private Bank; 90-Day Average Balance is at least $200,000; Relationship Balance is at least $500,000 are assigned to Relationship Hold — High Balance. Accounts already matched by an earlier rule are not reconsidered.
Previously: Rule 2: eligible accounts where Current Balance is at least $300,000 and at least one of the following holds: Relationship Tier is Private Bank; 90-Day Average Balance is at least $200,000; Relationship Balance is at least $500,000 are assigned to Relationship Hold — High Balance. Accounts already matched by an earlier rule are not reconsidered.
- · added: Current Balance >= $250,000
- · removed: Current Balance >= $300,000
Rule 3 · Small Cut Cohort
Rule 3: eligible accounts where Rate Sensitivity is Low are assigned to Small Cut Cohort. Accounts already matched by an earlier rule are not reconsidered.
Rule 4 · Medium Cut Cohort
Rule 4: eligible accounts where Rate Sensitivity is Medium are assigned to Medium Cut Cohort. Accounts already matched by an earlier rule are not reconsidered.
Rule 5 · Large Cut Cohort
Rule 5: eligible accounts where Rate Sensitivity is High are assigned to Large Cut Cohort. Accounts already matched by an earlier rule are not reconsidered.
Outcome vocabulary
Decision leaves available to every version; the vocabulary is governed centrally rather than typed per rule.
No Action — Pointer Ineligible
Accounts that cannot receive a standard rate action because no repricing pointer applies.
Relationship Hold — High Balance
High-value relationships held at their current rate to protect the relationship.
Small Cut Cohort
Low rate sensitivity accounts eligible for the smallest standard reduction.
Medium Cut Cohort
Moderately rate sensitive accounts eligible for the intermediate reduction.
Large Cut Cohort
Highly rate sensitive accounts assessed for the largest standard reduction.
Hold — No Action
Accounts with no governed decision available on this snapshot; held at current rate.