Module 1 · Failure Radar
MonitoringChecking monitoring…
Latest run

RUN-48c322d5-821… COMPLETE 18 Aug, 21:19

Last acquisition

18 Aug, 05:10

13Newly retained signals (30d)
5Active failure themes
0New or rising themes
1,388Regulatory records retained
254Institutions represented

Needs attention

Corpus growing, no mechanically relevant signals yet

1,388 records are retained, but none has passed the current mechanical-relevance gate (trigger + contradiction present in the record's own text). Consider investigating a specific institution on the Radar, or broadening the query families. Open Failure Radar →

Latest investigation — observed regulatory corpus

RUN-48c322d5-821a-4ec5-9c81-0089290eaeb7 · MANUAL · 18 Aug, 21:19 · COMPLETE

These figures describe the acquired CFPB record corpus only. Public-search discovery and qualified failure shapes are a separate universe reported on Failure Radar — the two are never added together.

0Examined
0New unique
0Mechanically relevant
0Patterns touched
1389Regulatory corpus after

Recent failure signals

The latest records that passed the mechanical-relevance gate.

Open Failure Radar →

No mechanically relevant signals have been retained yet.

Historical proof

Replay known banking failures through the ScreenPath detection model.

RETROSPECTIVE ANALYSIS

HDFC Bank · IN

Repeated digital-channel and payment-utility outages

EXPECTED STATE

A payment or transfer set up on the bank’s own digital channel executes on its due date, or fails cleanly and visibly.

EXTERNALLY VISIBLE CONTRADICTION

Payment scheduled but not executed

REPORTED STATE

Customers publicly reported scheduled payments failing, salary credits unreachable and one-time passwords undelivered while netbanking and the mobile app were unavailable.

PUBLIC RECORD
2 Dec 2018Mobile app malfunction publicly reported — record date, not outage start
2 Dec 2019Netbanking and app outage, second consecutive day
21 Nov 2020Internet banking and payment system outage
2 Dec 2020RBI order restricting the bankREGULATOR ACTION
17 Aug 2021Card sourcing restriction relaxed
11 Mar 2022Digital 2.0 restriction lifted
366 daysPotential detection lead time — earliest dated public signal to regulator action
464 daysLongest restriction in force
5Public records cited — not a complaint count
Reported signal volume — source data required

RBI order dated 2 December 2020 directed the bank to temporarily stop all launches of Digital 2.0 business-generating activities and the sourcing of new credit card customers, and directed its Board to examine the lapses and fix accountability. Card sourcing was relaxed after 258 days; the Digital 2.0 restriction stood for 464 days.

Historical replay applies ScreenPath’s detection model retrospectively to information that was publicly available at the time.

Sources

CFPB Consumer Complaint DatabaseNOT CONFIGURED
Search discovery (Web · Reddit · X · LinkedIn)NOT CONFIGURED