Tila Consumer Loan Agreement

Draft TILA-Compliant Loan Agreements in Minutes

12 minutes with CaseMark

Run this workflow

Run it in CaseMark

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
Party Information

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

Workflow

Overview

CaseMark's TILA Consumer Loan Agreement skill automates the drafting of fully compliant consumer loan contracts with integrated Truth in Lending disclosures. It validates loan economics, constructs the required Reg Z disclosure box, generates payment schedules, and applies state-law overlays—producing an execution-ready agreement and disclosure package in a fraction of the time manual drafting requires.

Drafting consumer loan agreements with TILA-compliant disclosures is one of the most error-prone tasks in consumer lending. Manually calculating APR, reconciling finance charges, formatting disclosure boxes with exact statutory language, and layering state-law requirements on top of federal mandates creates significant compliance risk. A single miscalculation or formatting error can expose lenders to statutory damages, rescission rights, and regulatory enforcement actions.

CaseMark automates the entire consumer loan agreement drafting process, from input validation and APR reconciliation through disclosure box construction and state-law overlay application. The AI flags contradictions in loan economics before drafting begins, ensures all Reg Z labels and formatting requirements are met, and produces a complete contract and disclosure package ready for attorney review and borrower execution.

How it works

1. Upload your loan term sheet, party information, and any state-specific requirements
2. AI validates loan economics, reconciles APR to finance charges, and flags contradictions
3. Review the generated TILA disclosure box, contract terms, and state-law overlays
4. Export the execution-ready agreement and disclosure package in DOCX or PDF

What you get

TILA Disclosure Block with Amount Financed, Finance Charge, APR, and Total of Payments
Complete Loan Agreement with Repayment Terms and Payment Schedule
Prepayment, Default, and Enforcement Provisions
Co-Signer and Guarantor Notices
State-Law Overlay Addendum
Execution and Signature Pages

What it handles

Automated TILA disclosure box with statutory-compliant labels and formatting
APR and finance charge reconciliation with built-in validation checks
Payment schedule generation with total-of-payments verification
State-law overlay integration for jurisdiction-specific rate caps and notices
Co-signer and guarantor notice drafting per federal and state requirements
Default, acceleration, and enforcement clause construction with cure-right provisions

Required documents

Loan Term Sheet
Term sheet or commitment letter containing principal amount, interest rate, term, payment schedule, and fee structure
.pdf, .docx, .xlsx
Party Information
Legal names, addresses, and identification details for borrower(s), co-signers, guarantors, and lender entity
.pdf, .docx

Supporting documents

Collateral Documentation
Vehicle identification, property legal description, or other asset details for secured loan transactions
.pdf, .docx
State Regulatory Requirements
State-specific lending statutes, rate cap schedules, or required notice templates for the applicable jurisdiction
.pdf, .docx
Lender Policy Guidelines
Internal lender policies on late fees, cure periods, acceleration triggers, and collection procedures
.pdf, .docx

Why teams use it

Eliminate manual APR and finance charge calculation errors with automated reconciliation and validation

Ensure TILA/Reg Z compliance with properly formatted disclosure boxes using exact statutory labels

Reduce drafting time from hours to minutes while maintaining regulatory precision

Automatically apply state-specific rate caps, fee limits, and required notices for any U.S. jurisdiction

Questions

Does CaseMark calculate the APR and finance charge automatically?

Yes. CaseMark reconciles the APR to the finance charge and total of payments using Reg Z methodology. It flags any inconsistencies between stated rates, fees, and payment schedules before generating the final disclosure box.

How does CaseMark handle state-specific lending requirements?

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 based on the state you specify.

Can this handle both secured and unsecured consumer loans?

Absolutely. CaseMark drafts agreements for both secured and unsecured closed-end consumer credit. For secured loans, it includes collateral descriptions, insurance requirements, and repossession provisions tailored to the asset type.

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 with conspicuous formatting as mandated by applicable regulations.

Is the generated agreement ready for execution?

CaseMark produces a substantially complete, execution-ready contract and disclosure package. However, we recommend a final attorney review to confirm all jurisdiction-specific requirements and lender-specific policies are addressed before borrower execution.

What types of consumer loans does this skill support?

This CaseMark skill is designed for closed-end consumer credit transactions subject to TILA and Regulation Z, including personal loans, auto loans, and other installment credit products. It supports both fixed and variable rate structures.