Undischarged or recently discharged bankrupts, people in receivership and those who have failed to meet judgment debts are not fit and proper; honesty, integrity and reputation are judged on criminal convictions (especially dishonesty and financial crime, though not an automatic bar), adverse civil findings, investigations, regulatory breaches, justified complaints, roles in failed businesses, creditor arrangements over AED 50,000, dismissals, disqualifications and candour with regulators. Fitness is reassessed against the role actually performed, and VARA may revoke approvals, reprimand, bar, fine or require controls.
The graph holds this control, the 0 it maps to, and the evidence behind each claim, over MCP and REST.