Configuration (Files)

Configuration files are files that can augment / improve the control you have over the functionality in the form beyond the settings.

Configuration files are generally in XML format and so please ensure the XML file is still valid are you finish your edits. You can check an XML file is valid using the following:

https://www.samltool.com/prettyprint.php

For the RBV, there are 2 and these files relate to the two RBV providers. TransUnion (formerly Coactiva) and Xantura.

evidencerulescoactiva.xml

The evidencerulescoactiva.xml file controls the evidence paragraphs presented to customers, like the evidencerules.xml file but with additional behaviours to dynamically reflect Risk Score.

You don't need to ever change this file. It's just to explain you can if you want to.

The file is largely the same as the evidencerules.xml file but at the top it has a dedicated section that enables the evidence requested to be set for each risk score.

Example file

For example - the following shows the different paragraphs that are applicable where the risk score is 1:

<Risk riskValue="1">
  <Evidences>
    <Evidence isheader="true">Rule_Header_High</Evidence>
    <Evidence>Rule_NewPartnerIdentity</Evidence>
    <Evidence>Rule_NewPartnerNI</Evidence>
    <Evidence>Rule_ChildAdded</Evidence>
    <Evidence>Rule_StudentStatusAdded</Evidence>
    <Evidence>Rule_BlindStatusAdded</Evidence>
    <Evidence>Rule_SMAStatusAdded</Evidence>
    <Evidence>Rule_ClaimantNewEarnings</Evidence>
    <Evidence>Rule_PartnerNewEarnings</Evidence>
    <Evidence>Rule_ClaimantChangeOfEarnings</Evidence>
    <Evidence>Rule_PartnerChangeOfEarnings</Evidence>
    <Evidence>Rule_NonDep_Income</Evidence>
    <Evidence>Rule_ChangeOfRent</Evidence>
    <Evidence>Rule_ChildCareCostsAdded</Evidence>
    <Evidence>Rule_Expenses</Evidence>
    <Evidence>Rule_ChangeCapital</Evidence>
    <Evidence>Rule_NewPartnerSavingsAndInvestments</Evidence>
    <Evidence>Rule_NewPartnerEarnings</Evidence>
    <Evidence>Rule_NewPartnerSelfEmployedEarnings</Evidence>
    <Evidence>Rule_NewPartnerBenefits</Evidence>
    <Evidence>Rule_NewPartnerExpenses</Evidence>
    <Evidence>Rule_NoIncome</Evidence>
    <Evidence>Rule_ChangeOfAddress</Evidence>
  </Evidences>
</Risk>

The section after that then covers the rules on which evidence to show from the eligible paragraphs set above. I.e. What are the person's circumstances establishes the evidence blocks applicable. A further check is then done against the risk score rules to see if that evidence block should be shown. So a person would be asked for proof of a change in capital if their risk score was 1 because this is present in the risk rule for 1:

<Evidence>Rule_ChangeCapital</Evidence>

But it wouldn't be shown where the risk score was 12 because the paragraph for Rule_Earnings does not exist in this risk group:

    <Risk riskValue="12">
      <Evidences>
        <Evidence isheader="true">Rule_Header_Low</Evidence>
        <Evidence>Rule_NewPartnerIdentity</Evidence>
        <Evidence>Rule_NewPartnerNI</Evidence>
      </Evidences>
    </Risk>

evidencerulesxantura.xml

This file is identical to the evidencerulescoactiva.xml one, except that:

a) It is where the Xantura RBV service is in use

b) It has a risk score range of 1-15 rather than 1-12