Consumer Loan Tila

Draft TILA-Compliant Loan Agreements in Minutes

12 minutes with CaseMark

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Upload your documents and get a finished work product in minutes. New accounts get $5 free to run their first skill.

12 minutes with CaseMark

What you'll need

Loan Term Sheet
Borrower and Lender Information

SOC 2 Type II · HIPAA compliant · $5 free credit

Workflow

Overview

CaseMark's Consumer Loan TILA skill automates the drafting of fully compliant consumer loan agreements that satisfy Truth in Lending Act and Regulation Z disclosure requirements. It produces complete agreements with properly formatted disclosure boxes, enforceable contractual terms, and all required federal and state notices for both secured and unsecured consumer credit transactions.

Drafting TILA-compliant consumer loan agreements is painstaking work that demands exact statutory language, precise formatting of disclosure boxes, and careful coordination of federal and state notice requirements. A single formatting error or missing disclosure can expose lenders to statutory damages, rescission rights, and regulatory enforcement actions.

CaseMark automates the entire consumer loan agreement drafting process, generating properly structured TILA disclosure boxes, enforceable loan terms, and required notices from your basic loan parameters. The AI ensures Reg Z formatting compliance and produces complete, review-ready agreements that dramatically reduce drafting time and compliance risk.

How it works

1. Upload your loan term sheet, borrower/lender details, and collateral information
2. AI drafts a complete TILA-compliant agreement with Reg Z disclosure boxes and APR calculations
3. Review and customize terms, notices, and state-specific provisions
4. Export the finalized loan agreement in your preferred format (DOCX, PDF)

What you get

Federal Truth in Lending Disclosure Box
Loan Terms and Conditions
Default, Acceleration, and Remedies
Insurance and Payment Application Provisions
Special Notices (SCRA, FTC, State-Specific)
Execution and Signature Blocks

What it handles

Auto-generates Federal Truth in Lending Disclosure boxes with exact Reg Z labels and formatting
Calculates APR, finance charges, and amount financed with regulatory tolerance verification
Drafts complete loan terms including default, acceleration, and remedy provisions
Produces SCRA, FTC co-signer, and state-specific notice sections
Handles both secured and unsecured consumer credit structures with collateral descriptions
Generates payment waterfall, insurance, and force-placed coverage provisions

Required documents

Loan Term Sheet
Summary of loan terms including principal amount, interest rate, term length, payment frequency, and all applicable fees
.pdf, .docx, .xlsx
Borrower and Lender Information
Full legal names, addresses, entity information, and regulatory filings for all parties including co-borrowers or guarantors
.pdf, .docx

Supporting documents

Collateral Description
For secured loans: make, model, VIN for personal property or legal description for real property serving as collateral
.pdf, .docx
State Compliance Requirements
Jurisdiction-specific notice requirements, rate caps, or institutional compliance guidelines
.pdf, .docx
Ancillary Product Elections
Credit insurance or debt protection product details and borrower election forms
.pdf, .docx

Why teams use it

Eliminate hours of manual formatting by auto-generating Reg Z disclosure boxes with exact statutory labels and required visual formatting

Reduce compliance risk with built-in TILA structure that ensures all mandatory disclosures appear in the correct order and format

Accelerate loan closing timelines by producing complete, execution-ready agreements from basic term sheet inputs

Maintain consistency across your loan portfolio with standardized provisions for default, remedies, insurance, and payment application

Questions

Does this generate the actual Reg Z disclosure box with required formatting?

Yes. CaseMark produces the Federal Truth in Lending Disclosure box using the exact verbatim labels required by Regulation Z, formatted with proper visual segregation and positioned on page one as mandated by law.

How does CaseMark handle APR and finance charge calculations?

CaseMark structures the APR, finance charge, amount financed, and total of payments fields using the actuarial/US Rule method with regulatory tolerance flags. You should verify final numerical calculations against your institution's compliance tools before execution.

Can it draft agreements for both secured and unsecured consumer loans?

Absolutely. CaseMark handles both secured loans (with collateral descriptions for personal property or real property) and unsecured consumer credit, adapting the agreement structure and provisions accordingly.

Does the output include state-specific notices and compliance provisions?

Yes. CaseMark generates sections for SCRA military protections, FTC co-signer notices, and state-specific required disclosures. You can specify your jurisdiction so the AI tailors the notices to applicable state law requirements.

What types of consumer loans does this skill support?

CaseMark supports a wide range of consumer credit transactions including personal loans, auto loans, home improvement financing, and other consumer installment credit products that require TILA/Reg Z compliance.

Can I customize the default and remedy provisions?

Yes. CaseMark generates comprehensive default, acceleration, cure rights, and lender remedy provisions that you can review and customize to match your institution's policies and applicable state law requirements.