diff --git a/openpay/crates/op-connect/src/lib.rs b/openpay/crates/op-connect/src/lib.rs
index 25eea3b5d..e8b6e361a 100644
--- a/openpay/crates/op-connect/src/lib.rs
+++ b/openpay/crates/op-connect/src/lib.rs
@@ -121,7 +121,8 @@ pub use onboarding::{
 };
 pub use payout::{PayoutInstruction, PayoutMode, PayoutSchedule};
 pub use screening::{
-    ConnectScreener, Decision, ScreeningResult, annotate_pep_flags, build_pep_index_from_names,
+    ConnectScreener, Decision, ScreenCoverage, ScreeningResult, annotate_pep_flags,
+    build_pep_index_from_names,
 };
 pub use split::{PaymentId, PaymentSplit, SplitLeg};
 pub use tax_reporting::{
diff --git a/openpay/crates/op-connect/src/screening.rs b/openpay/crates/op-connect/src/screening.rs
index ad2ee448e..9e5a52345 100644
--- a/openpay/crates/op-connect/src/screening.rs
+++ b/openpay/crates/op-connect/src/screening.rs
@@ -18,6 +18,13 @@
 //!    news mentions); same shape as the PEP index.
 //!
 //! The combined [`ScreeningResult`] gates the [`crate::onboarding::StepResult`].
+//!
+//! Screens 3 and 4 are optional *to configure*, which makes "we did not
+//! look" a reachable state. It is not the same state as "we looked and
+//! found nothing", so the two are different [`Decision`]s:
+//! [`ScreeningResult::coverage`] records which screens ran, and a
+//! submission missing the mandated PEP screen reports
+//! [`Decision::Incomplete`] rather than [`Decision::Clear`].
 
 use std::collections::BTreeSet;
 
@@ -31,14 +38,71 @@ use crate::error::Result;
 use crate::kyb::{Address, BeneficialOwner, BusinessProfile};
 
 /// Top-level screening decision for a connected account.
+///
+/// Precedence when more than one condition holds: `Block` > `Review` >
+/// `Incomplete` > `Clear`. A sanctions hit outranks everything, and a
+/// hit that needs adjudication outranks a missing screen because the
+/// gap is reported independently in [`ScreeningResult::coverage`].
 #[derive(Debug, Clone, Copy, PartialEq, Eq, Serialize, Deserialize)]
 pub enum Decision {
-    /// No hits anywhere; safe to proceed.
+    /// Every mandated screen ran and none of them hit; safe to proceed.
+    ///
+    /// This is a statement about screens that *ran*. A configuration
+    /// missing a mandated screen yields [`Decision::Incomplete`], never
+    /// this.
     Clear,
     /// One or more sanctions hits; block the account.
     Block,
     /// PEP or adverse-media hits, or sanctions ambiguity; route to manual review.
     Review,
+    /// A screen the platform is required to run did not run, so no
+    /// determination was made.
+    ///
+    /// This is **not** a clearance. An unrun screen produces no hits,
+    /// which is indistinguishable from a screen that ran and found
+    /// nothing unless the two are different decisions.
+    /// [`ScreeningResult::coverage`] names which screen is missing.
+    Incomplete,
+}
+
+impl Decision {
+    /// Onboarding may continue without human intervention.
+    ///
+    /// Only [`Decision::Clear`] qualifies. [`Decision::Incomplete`]
+    /// deliberately does not: the absence of a hit from a screen that
+    /// never ran is not a negative result.
+    #[must_use]
+    pub const fn may_proceed(self) -> bool {
+        matches!(self, Self::Clear)
+    }
+}
+
+/// Which of the optional screens actually ran for one submission.
+///
+/// Recorded alongside the hit vectors so a persisted [`ScreeningResult`]
+/// distinguishes "screened, found nothing" from "never screened".
+/// Without it an operator holding only a sanctions feed produces a row
+/// indistinguishable from a full clearance, and the gap is invisible on
+/// review.
+///
+/// The sanctions screen is absent from this record because it cannot be
+/// absent from the run: [`ConnectScreener::new`] takes it by value.
+#[derive(Debug, Clone, Copy, PartialEq, Eq, Default, Serialize, Deserialize)]
+pub struct ScreenCoverage {
+    /// The PEP screen ran. Mandated by **FATF Recommendation 12** and
+    /// EU AMLD5 Art. 20, so `false` withholds clearance.
+    pub pep: bool,
+    /// The adverse-media screen ran. Documented as optional, so `false`
+    /// does not by itself withhold clearance.
+    pub adverse_media: bool,
+}
+
+impl ScreenCoverage {
+    /// Every screen the platform is *required* to run actually ran.
+    #[must_use]
+    pub const fn mandated_screens_ran(self) -> bool {
+        self.pep
+    }
 }
 
 /// Combined screening outcome for one owner-roster submission.
@@ -50,6 +114,12 @@ pub struct ScreeningResult {
     pub pep_hits: Vec<MatchScore>,
     /// Adverse-media matches across all persons + business.
     pub adverse_media_hits: Vec<MatchScore>,
+    /// Which optional screens ran.
+    ///
+    /// Defaults to "neither ran" when absent from a stored record: a row
+    /// that does not state its coverage cannot assert it.
+    #[serde(default)]
+    pub coverage: ScreenCoverage,
     /// Top-line decision.
     pub decision: Decision,
 }
@@ -196,18 +266,26 @@ impl ConnectScreener {
             }
         }
 
+        let coverage = ScreenCoverage {
+            pep: self.pep.is_some(),
+            adverse_media: self.adverse_media.is_some(),
+        };
+
         let decision = if any_block {
             Decision::Block
         } else if any_review {
             Decision::Review
-        } else {
+        } else if coverage.mandated_screens_ran() {
             Decision::Clear
+        } else {
+            Decision::Incomplete
         };
 
         Ok(ScreeningResult {
             sanctions_hits,
             pep_hits,
             adverse_media_hits,
+            coverage,
             decision,
         })
     }
@@ -361,19 +439,86 @@ mod tests {
         assert!(owners[0].is_pep, "PEP flag should have fired");
     }
 
+    fn empty_screener() -> Screener {
+        Screener::new(empty_index(), ScreenerConfig::default(), AuditLog::new())
+    }
+
+    fn roster() -> Vec<BeneficialOwner> {
+        vec![BeneficialOwner {
+            person: person("Jane Doe"),
+            ownership_pct: 100.0,
+            control: true,
+            is_pep: false,
+        }]
+    }
+
+    /// The discriminating pair, part one: no PEP feed is configured, so
+    /// the screen mandated by FATF Rec. 12 never runs. `pep_hits` is
+    /// empty because nothing looked, and that is not a clearance.
+    ///
+    /// This replaces `clear_when_lists_empty`, which built exactly this
+    /// configuration and asserted `Clear`.
     #[tokio::test]
-    async fn clear_when_lists_empty() {
-        let sanctions = Screener::new(empty_index(), ScreenerConfig::default(), AuditLog::new());
-        let cs = ConnectScreener::new(sanctions, None, None);
-        let res = cs
-            .screen(&sample_business(), &[BeneficialOwner {
-                person: person("Jane Doe"),
-                ownership_pct: 100.0,
-                control: true,
-                is_pep: false,
-            }])
-            .await
-            .expect("ok");
+    async fn an_unrun_pep_screen_is_not_a_clearance() {
+        let cs = ConnectScreener::new(empty_screener(), None, None);
+        let res = cs.screen(&sample_business(), &roster()).await.expect("ok");
+
+        assert!(res.pep_hits.is_empty(), "nothing screened, so nothing hit");
+        assert!(!res.coverage.pep, "the PEP screen did not run");
+        assert_eq!(res.decision, Decision::Incomplete);
+        assert!(
+            !res.decision.may_proceed(),
+            "an unrun mandated screen must not gate onboarding open"
+        );
+    }
+
+    /// The discriminating pair, part two: a real PEP index is configured
+    /// and returns nothing. The hit vectors are identical to the test
+    /// above and the decision is the opposite, which is the whole reason
+    /// coverage is recorded.
+    #[tokio::test]
+    async fn a_pep_screen_that_ran_and_found_nothing_is_a_clearance() {
+        let cs = ConnectScreener::new(
+            empty_screener(),
+            Some(empty_screener()),
+            Some(empty_screener()),
+        );
+        let res = cs.screen(&sample_business(), &roster()).await.expect("ok");
+
+        assert!(res.pep_hits.is_empty(), "the index is empty");
+        assert!(res.coverage.pep);
+        assert!(res.coverage.adverse_media);
         assert_eq!(res.decision, Decision::Clear);
+        assert!(res.decision.may_proceed());
+    }
+
+    /// Adverse media is documented as optional, so its absence is
+    /// recorded but does not withhold clearance. Only the mandated
+    /// screen does that.
+    #[tokio::test]
+    async fn a_missing_optional_screen_still_clears_but_is_recorded() {
+        let cs = ConnectScreener::new(empty_screener(), Some(empty_screener()), None);
+        let res = cs.screen(&sample_business(), &roster()).await.expect("ok");
+
+        assert!(!res.coverage.adverse_media, "it did not run");
+        assert_eq!(res.decision, Decision::Clear, "and it is not mandated");
+    }
+
+    /// A PEP hit still routes to review rather than blocking, and still
+    /// reports full coverage.
+    #[tokio::test]
+    async fn a_pep_hit_routes_to_review() {
+        let pep = Screener::new(
+            build_pep_index_from_names(&["Jane Doe"]),
+            ScreenerConfig::default(),
+            AuditLog::new(),
+        );
+        let cs = ConnectScreener::new(empty_screener(), Some(pep), None);
+        let res = cs.screen(&sample_business(), &roster()).await.expect("ok");
+
+        assert!(!res.pep_hits.is_empty(), "the fixture names this owner");
+        assert!(res.coverage.pep);
+        assert_eq!(res.decision, Decision::Review);
+        assert!(!res.decision.may_proceed());
     }
 }