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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 Truth in Lending Act-compliant consumer loan agreements, complete with Regulation Z disclosure boxes, APR and finance charge calculation frameworks, and enforceable contractual terms. It handles both secured and unsecured consumer credit transactions, generating everything from the mandatory federal disclosures to default provisions, payment waterfalls, and state-specific notices.

Drafting TILA-compliant consumer loan agreements is one of the most detail-intensive tasks in consumer lending. Attorneys and compliance teams must ensure exact Reg Z label language, proper disclosure formatting, accurate APR tolerance calculations, and adherence to a patchwork of state-specific requirements—all while producing enforceable contractual terms. A single formatting error or missing disclosure can expose lenders to statutory damages and regulatory action.

CaseMark automates the entire consumer loan agreement drafting process, generating TILA-compliant documents with properly formatted Regulation Z disclosure boxes, structured APR and finance charge fields, and comprehensive contractual provisions. The AI handles the complex interplay of federal disclosure requirements, default and remedies language, insurance provisions, and special notices, delivering a complete draft that attorneys can review and finalize in a fraction of the traditional time.

How it works

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

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

  3. 3. Review and customize terms, fees, default provisions, and state-specific notices

  4. 4. Export the finalized loan agreement in your preferred format (DOCX, PDF)

What you get

  • Federal Truth in Lending Disclosures Box

  • Loan Terms and Conditions

  • Default, Acceleration, and Remedies

  • Insurance and Payment Application

  • Special Notices (SCRA, FTC, State-Specific)

  • Execution and Signature Blocks

What it handles

  • Auto-generated TILA Disclosure Box with exact Reg Z labels and formatting

  • APR and finance charge calculations using actuarial/US Rule methods

  • Configurable terms for both secured and unsecured consumer credit

  • Default, acceleration, and remedies provisions with cure rights

  • State-specific notices, SCRA compliance, and FTC co-signer warnings

  • Payment waterfall, insurance, and force-placed coverage clauses

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 details, co-borrower/guarantor information, and lender regulatory filings

    .pdf, .docx

Supporting documents

  • Collateral Description

    For secured loans: make/model/VIN for personal property or legal description for real property

    .pdf, .docx

  • State Compliance Requirements

    Jurisdiction-specific notice clauses, rate caps, or institutional requirements

    .pdf, .docx

  • Ancillary Product Elections

    Credit insurance or debt protection product details and election forms

    .pdf, .docx

Why teams use it

Eliminate hours of manual formatting by auto-generating Reg Z disclosure boxes with exact verbatim labels and proper visual segregation

Reduce compliance risk with built-in TILA structure, SCRA protections, FTC co-signer warnings, and state-specific notice frameworks

Accelerate loan closings by producing complete, professionally structured agreements from term sheets in minutes instead of hours

Maintain consistency across your consumer lending portfolio with standardized provisions for default, acceleration, remedies, and payment application

Questions

Does this generate the required Regulation Z disclosure box?

Yes. CaseMark automatically generates the Federal Truth in Lending Disclosures box with the exact verbatim labels required by Regulation Z (12 CFR Part 1026), formatted to appear prominently on page one before all other terms. The disclosure includes APR, Amount Financed, Finance Charge, and Total of Payments fields.

Can it handle both secured and unsecured consumer loans?

Absolutely. CaseMark drafts agreements for both secured and unsecured consumer credit. For secured loans, it generates collateral descriptions, insurance requirements, force-placed coverage provisions, and appropriate lien language for personal property or real property.

How does CaseMark calculate the APR and finance charges?

CaseMark structures the APR calculation fields using the actuarial/US Rule method and flags tolerance verification requirements for your specific transaction type. While the AI provides the computational framework, you should verify final numerical calculations against your loan origination system to ensure accuracy within the ⅛ of 1% Reg Z tolerance.

Does the output include state-specific compliance notices?

Yes. CaseMark includes placeholders and drafts for state-specific notice requirements, SCRA (Servicemembers Civil Relief Act) protections, FTC co-signer notices, and jurisdictional restrictions. You can customize these based on the applicable state law for your transaction.

Can I use this for different types of consumer credit products?

CaseMark supports drafting for a range of consumer credit products including standard installment loans, promissory notes, and financing contracts. The AI adapts the agreement structure, disclosure requirements, and ancillary product elections (such as credit insurance or debt protection) based on your inputs.

Is the generated agreement ready to execute as-is?

CaseMark produces a comprehensive, professionally structured draft that follows TILA and Reg Z requirements. However, as with any legal document, attorney review is essential to verify numerical accuracy, confirm state-specific compliance, and ensure the agreement meets your institution's specific policies before execution.

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