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M README.md
A templates/technical-debt-registry.md

@@ 10,4 10,5 @@ Comprehensive collection of templates for solutions design, architecture decisio
 * Architecture Decision Record (ADR)
 * API Documentation
 * Runbook / Operations Guide
-* Code Review Standards & Guidelines>
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+* Code Review Standards & Guidelines
+* Technical Debt Registry

@@ 0,0 1,71 @@
+# Technical Debt Registry
+
+## Debt Entry: [DEBT-XXX]
+
+**Title:** [Brief description]  
+**Component:** [Affected service/module]  
+**Created:** [Date]  
+**Created By:** [Name]  
+**Status:** [Active/In Progress/Resolved/Deferred]  
+**Priority:** [Critical/High/Medium/Low]
+
+## Description
+What is the technical debt? What shortcut was taken or compromise made?
+
+## Context & Rationale
+Why was this debt incurred? What were the circumstances?
+- Business pressures (time-to-market, resources, etc.)
+- Technical constraints at the time
+- Stakeholder decisions
+
+## Current Impact
+
+### Development Impact
+- How does it slow down development?
+- Which features are affected?
+- Estimated time cost per change
+
+### Operational Impact
+- Does it affect reliability?
+- Does it impact performance?
+- Monitoring/troubleshooting overhead
+
+### User Impact
+- Does it affect user experience?
+- Any customer complaints?
+- Performance implications for users
+
+## Repayment Plan
+
+### Proposed Solution
+How would this debt be addressed in an ideal scenario?
+
+### Effort Estimate
+- Estimated story points or days
+- Recommended team size
+- Dependencies that must be resolved first
+
+### Timeline
+- When should this be addressed?
+- Blocking any planned work?
+- Can be deferred to next quarter? (Yes/No and why)
+
+### Success Criteria
+- How will we know it's fixed?
+- Metrics to validate
+- Testing requirements
+
+## Risk of Not Addressing
+- What happens if we never fix this?
+- Long-term consequences
+- Escalation probability
+
+## Related Debt
+- Links to related debt items
+- Potential cascade effects
+- Blockers for other work
+
+## Owner & Tracking
+- Currently owned by: [Team/Person]
+- Jira/issue tracker link: [Link]
+- Next review date: [Date]<
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