IMO, it's going to be an AHJ decision.
Per the NEC "Approved" is acceptable to the AHJ.
Many AHJ's would inspect to see if the installation is in compliance with NEC Art 409, especially 409.110.
There are some areas that require all equipment be listed by a N.R.T.L., but most I have seen will accept a panel constructed per NEC requirements by licensed personnel.
At my age, I'm accustomed to restaurants asking me to pay in advance, but now my bank has started sending me their calendar one month at a time.