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Tila Consumer Loan Agreement

Draft TILA-Compliant Loan Agreements in Minutes

12 minutes with CaseMark

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Workflow

Tila Consumer Loan Agreement

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Workflow

Tila Consumer Loan Agreement

Overview

CaseMark's TILA Consumer Loan Agreement skill automates the drafting of execution-ready consumer loan contracts with fully integrated Truth in Lending disclosures. It validates loan economics, constructs Reg Z-compliant disclosure boxes, generates payment schedules, and layers in state-specific legal requirements—all from a single term sheet upload.

Drafting consumer loan agreements with TILA-compliant disclosures is painstaking work. Attorneys must manually calculate and cross-check APR, finance charges, and payment totals, then layer on state-specific rate caps, notice requirements, and co-signer disclosures—all while ensuring the disclosure box meets strict formatting mandates. A single inconsistency can expose lenders to statutory damages and rescission risk.

CaseMark automates the entire consumer loan agreement drafting process. It validates loan economics for internal consistency, constructs the TILA disclosure box with exact statutory labels and compliant formatting, generates payment schedules, drafts enforcement and default provisions, and applies state-law overlays—delivering an execution-ready contract and disclosure package in minutes.

How it works

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

  2. 2. AI validates inputs, reconciles APR to finance charges, and flags contradictions

  3. 3. CaseMark drafts the full agreement with integrated TILA disclosures and state-law overlays

  4. 4. Review the execution-ready contract and export in your preferred format (DOCX, PDF)

What you get

  • Validated Input Summary and Contradiction Check

  • TILA Disclosure Block (Amount Financed, Finance Charge, APR, Total of Payments)

  • Payment Schedule Table

  • Core Loan Agreement Terms (repayment, default, remedies, late fees)

  • Co-Signer / Guarantor Notices

  • State-Law Overlay Addendum

  • Execution-Ready Contract Package

What it handles

  • Automated TILA disclosure box with statutory-compliant labels and formatting

  • APR and finance charge validation with payment schedule reconciliation

  • State-law overlay engine applying jurisdiction-specific rate caps and notices

  • Co-signer and guarantor notice generation per federal and state requirements

  • Prepayment, default, and acceleration clause drafting with cure-right provisions

  • Secured and unsecured loan support with collateral description integration

Required documents

  • Loan Term Sheet or Commitment Letter

    Document containing the loan economics: principal amount, interest rate, term, fees, payment frequency, and rate type (fixed or variable)

    .pdf, .docx, .xlsx

  • Borrower and Lender Information

    Legal names, addresses, state of compliance, licensing details, and identification of any co-borrowers or co-signers

    .pdf, .docx

Supporting documents

  • Collateral Documentation

    Description of collateral for secured loans, including VIN, property legal description, or other asset identifiers

    .pdf, .docx

  • State Regulatory Guidance

    Any jurisdiction-specific lending regulations, rate cap schedules, or required notice templates to supplement the state-law overlay

    .pdf, .docx

Why teams use it

Eliminate manual APR and finance charge reconciliation errors with automated validation

Ensure federal TILA and state-law compliance in every agreement without separate research

Reduce consumer loan agreement drafting time from hours to minutes

Produce consistent, execution-ready contracts with properly formatted disclosure packages

Questions

Does CaseMark calculate the APR and finance charge automatically?

Yes. CaseMark validates that the APR, finance charge, payment schedule, and total of payments are internally consistent under Reg Z methodology. It flags any contradictions before generating the draft so you can correct inputs upfront.

How does the tool handle different state lending laws?

CaseMark applies state-law overlays after constructing the federal TILA-compliant base agreement. This includes jurisdiction-specific rate caps, fee limitations, required notices, and cure-right provisions for the state you specify.

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

Absolutely. CaseMark supports both secured and unsecured consumer loans. For secured loans, it integrates collateral descriptions (including VIN or real property legal descriptions) and insurance requirements directly into the agreement.

Does the output include co-signer and guarantor notices?

Yes. When co-signers or guarantors are involved, CaseMark generates the required federal and state co-signer notices and integrates them into the disclosure and contract package.

Is the TILA disclosure box formatted to meet regulatory presentation requirements?

CaseMark produces the disclosure box with bold, boxed, conspicuous formatting using the exact statutory labels required by Regulation Z—Amount Financed, Finance Charge, APR, and Total of Payments—positioned before the contract terms as required.

What types of consumer credit does this skill support?

This CaseMark skill is designed for closed-end consumer credit transactions subject to TILA and Regulation Z. It covers fixed and variable rate loans across a range of consumer lending scenarios.

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