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Consumer Loan Agreement

Draft TILA-Compliant Loan Agreements in Minutes

12 minutes with CaseMark

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Consumer Loan Agreement

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Consumer Loan Agreement

Overview

CaseMark's Consumer Loan Agreement skill drafts execution-ready, TILA-compliant consumer loan agreements complete with Regulation Z federal disclosure boxes, APR and finance charge calculations, and full contractual provisions. It applies 15 U.S.C. § 1601 et seq. and 12 CFR Part 1026 to produce agreements that meet federal and state consumer lending requirements.

Drafting TILA-compliant consumer loan agreements is painstaking work. Attorneys must manually calculate APR and finance charges to precise tolerances, format disclosure boxes to exact regulatory specifications, and cross-reference federal and state lending rules — all while ensuring that a single math error or mislabeled disclosure doesn't expose the lender to statutory damages and rescission rights.

CaseMark automates the entire consumer loan agreement drafting process, from generating a properly formatted Reg Z disclosure box with verified APR calculations to incorporating state-specific default provisions and required consumer notices. The result is an execution-ready agreement that meets federal Truth in Lending requirements and reduces compliance risk from hours of manual work to minutes of guided review.

How it works

  1. 1. Upload your loan term sheet and borrower/lender details

  2. 2. AI drafts a full TILA-compliant agreement with Reg Z disclosure box and APR calculations

  3. 3. Review and customize provisions, payment schedules, and state-specific terms

  4. 4. Export the execution-ready agreement in your preferred format (DOCX, PDF)

What you get

  • Federal Truth in Lending Disclosure Box

  • Loan Agreement Body with Definitions and Recitals

  • Payment Schedule

  • Default and Remedies Provisions

  • Required Consumer Notices and Disclosures

  • Signature and Execution Pages

What it handles

  • Reg Z–compliant federal disclosure box with prescribed labels and formatting

  • Automatic APR, finance charge, and total of payments calculations

  • Complete payment schedule generation for fixed, irregular, and balloon structures

  • Default provisions with cure periods and state-specific compliance

  • FTC co-signer notices and required consumer disclosures

  • State usury cap and prepayment penalty rule integration

Required documents

  • Loan Term Sheet

    Summary of loan economics including principal amount, interest rate, term, payment frequency, first payment date, and all fees imposed as a condition of credit

    .pdf, .docx, .xlsx

  • Borrower and Lender Information

    Full legal names, addresses, and contact information for the lender (including DBA) and all borrowers, co-borrowers, or guarantors

    .pdf, .docx

Supporting documents

  • Collateral Description

    Detailed description of collateral with identifiers (VIN, serial number, or legal description) for secured loan transactions

    .pdf, .docx

  • State Lending Compliance Guide

    Applicable state-specific lending regulations, usury caps, or institutional compliance policies to incorporate into the agreement

    .pdf, .docx

  • Existing Loan Agreement Template

    Firm or lender template to align formatting, clause preferences, and institutional language standards

    .pdf, .docx

Why teams use it

Eliminate hours of manual disclosure formatting and APR calculation with automated Reg Z compliance

Reduce regulatory risk with built-in cross-checks ensuring disclosure math accuracy and prescribed label usage

Adapt instantly to secured or unsecured structures, balloon payments, and state-specific lending rules

Produce consistent, professionally formatted agreements that meet both federal and state consumer protection standards

Questions

Does the agreement include a properly formatted Reg Z disclosure box?

Yes. CaseMark generates a visually segregated federal disclosure box placed on page one with all Reg Z–prescribed labels verbatim, including APR, Finance Charge, Amount Financed, Total of Payments, and Payment Schedule — formatted to regulatory specifications.

How does CaseMark handle APR and finance charge calculations?

CaseMark calculates APR to at least two decimal places using actuarial or U.S. Rule methods within Reg Z tolerances (±⅛% regular, ±¼% irregular). It also computes the finance charge by totaling interest plus all fees imposed as a condition of credit, then cross-checks that Amount Financed plus Finance Charge equals Total of Payments.

Can the agreement accommodate different loan structures like balloon payments?

Absolutely. CaseMark supports uniform payment schedules, irregular payment structures, and balloon payment arrangements. Each generates the appropriate payment table format required under Regulation Z.

Does the output account for state-specific lending regulations?

Yes. When you specify the governing state, CaseMark incorporates applicable usury caps, prepayment penalty rules, cure period requirements, and deficiency judgment limitations into the agreement provisions.

Is the FTC co-signer notice included when applicable?

Yes. When co-signer or guarantor information is provided, CaseMark automatically includes the required FTC co-signer notice under 16 CFR Part 444, ensuring full federal compliance.

Can I use this for both secured and unsecured consumer loans?

Yes. CaseMark drafts agreements for both secured loans (with collateral descriptions and identifiers like VIN, serial numbers, or legal descriptions) and unsecured personal loans, adjusting provisions accordingly.

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