The Decision Governance Maturity Model (DGMM)

DGMM — the Decision Governance Maturity Model — is a five-level, six-facet framework for assessing the discipline with which a regulated financial institution makes consequential decisions. Lineage: CMMI (Carnegie Mellon, 1980s), adapted to financial-services governance.

The DGMM self-assessment is a confidential placement of an institution across the model's six facets, based on its own answers.

The six facets — the Plain Frame — score on a common Initial · Managed · Defined · Measured · Optimizing scaffold: Ownership, Timeliness, Reconstructability, Override Discipline, Authority, and Apex Linkage. Facet definitions reference explicit public regulatory anchors (Reg O, SR 26-2, ECOA Reg B, OCC Heightened Standards, the 2023 Interagency Third-Party Guidance, SAR windows, CFPB complaint windows, and more) — not as compliance with any single rule, but as the body of expectations that defines what good governance looks like on each facet.

Three attributed sources feed the framework: [S] the Self-Assessment survey with cone-forcing cascade design; [T] de-identified telemetry from the Decision Governance™ platform — the [S]–[T] gap is the framework's distinctive long-term finding; and [P] public regulatory rules, supervisory letters, examination manuals, and enforcement actions. Methodology versioning ensures every figure remains interpretable under its original framework version.