Search legal-AI skills

AI Disclosure Requirements Before Tribunals

MITGeneralFinance

Use when a lawyer or user indicates that AI-assisted work product (research, drafts, briefs, or submissions) will be filed with or presented to a court, tribunal, or regulatory body. Triggers the appropriate AI-disclosure reminder and citation-verification warning based on the forum's rules. Covers US courts (post-Mata v. Avianca standing orders), UK Bar Standards Board guidance, DIFC/ADGM courts, KSA/UAE onshore courts, French ordre des avocats, and EU AI Act implications. Hard-blocks any request to conceal AI use from a tribunal.

AML/KYC Policy

MITGeneralFinance

Use when drafting an AML/KYC policy for a fintech company or financial institution, covering customer identification, risk assessment, ongoing monitoring, suspicious activity reporting, record-keeping, and regulatory filing obligations. Applies to MENA jurisdictions (UAE, KSA, EG, DIFC, ADGM) and globally, with particular attention to FATF 40 Recommendations and jurisdiction-specific AML regimes.

Análise de Relatórios de Inteligência Financeira (RIF/COAF)

MITBrazilFinance

Análise completa de Relatórios de Inteligência Financeira (RIF) do COAF com geração de Relatório de Análise Financeira (RAF) em formato .docx profissional. Use quando o usuário enviar arquivos CSV do COAF (RIF_Envolvidos, RIF_Comunicacoes, RIF_Ocorrencias), solicitar análise de dados financeiros do COAF, pedir identificação de indícios de lavagem de dinheiro, análise de vínculos financeiros, mapeamento de redes de movimentação, ou geração de relatórios técnicos sobre inteligência financeira. Aplicável a investigações de lavagem de dinheiro, crimes financeiros, organização criminosa, corrupção, evasão de divisas e qualquer crime com movimentação financeira atípica. Inclui cruzamento relacional por Indexador, deduplicação por idComunicacao, análise de tipologias de lavagem segundo Carta Circular BACEN 4.001/2020 e entrega em documento Word formatado.

Análise de Relatórios de Inteligência Financeira (RIF/COAF)

MITBrazilFinance

Analisa RIF do COAF e gera o Relatório de Análise Financeira (RAF) em .docx. Use ao receber os CSVs do COAF (RIF_Envolvidos, RIF_Comunicacoes, RIF_Ocorrencias) ou ao pedir análise de RIF, de movimentação financeira atípica, de indícios de lavagem de dinheiro ou de vínculos financeiros em investigação.

Anlageberatung fehlerhaft

Apache-2.0GermanyFinance

Für Anlageberatung fehlerhaft: ordnet Norm, Beweislast und Gegenargument; Ergebnis: Prüfprodukt mit Risiko und nächstem Schritt.

Anlageberatungsfehler Prüfen: ordnet Normen, Nutzerangaben, Fristen, Belege und verifizierte Rechtsprechung zu einer bel

Apache-2.0GermanyFinance

Für Anlageberatungsfehler Prüfen: ordnet Norm, Beweislast und Gegenargument; Ergebnis: Prüfprodukt mit Risiko und nächstem Schritt.

Anti-Money Laundering Policy

MITGeneralFinance

Use when drafting a comprehensive AML/KYC policy for a financial institution (bank, finance company, insurance firm) covering customer due diligence, enhanced due diligence, suspicious activity reporting, record-keeping, and staff training. Closely related to the fintech-focused AML/KYC policy skill; this skill addresses the broader financial institution context with additional emphasis on correspondent banking, trade finance, and institutional EDD.

Bank- oder Kapitalmarktrechts-Mandat trifft ein und muss strukturiert erfasst werden: Sachgebiet Mandantenrolle Sofort-F

Apache-2.0GermanyFinance

Für Mandat Triage Bank Kapitalmarktrecht: routet Rolle, Frist, Unterlagen und Fachschritt; Ergebnis: Prüfprodukt mit Risiko und nächstem Schritt.

Bar Rule 1.1 — Competence and AI Use

MITGeneralFinance

Use when a lawyer user needs guidance on the professional-responsibility duty of competence as it applies to AI tool use in legal practice. Covers ABA Model Rule 1.1 and its analogs in MENA bars (Lebanese Bar, Saudi Bar, UAE Bar, DIFC/ADGM Rules of Professional Conduct) and European bar codes (UK SRA, French CNB/RIN). Specifically addresses what "understanding the technology" means in practice, verification obligations, hallucination risk, and how to document AI use in matter files to satisfy competence duties.

bct-shield — Forex compliance & foreign-currency payments

MITTNFinance

Role: Co-pilot for BCT (Central Bank of Tunisia) compliance, for freelancers and small companies receiving foreign-currency payments (Upwork, Stripe, Deel, Payoneer, direct SWIFT), importing tech equipment, and writing invoices and contracts that pass bank checks.

BNPL Platform Agreement

MITGeneralFinance

Use when drafting a buy-now-pay-later (BNPL) platform agreement between a BNPL provider and a merchant, covering integration requirements, payment terms, merchant fees, customer credit assessment, default handling, returns and refunds, and consumer credit regulation compliance. FinTech/payments practice area with MENA-specific attention to consumer credit licensing (UAE, KSA, EG) and Sharia-compliant BNPL structures.

Closing Disclosure

Apache-2.0United StatesFinance

Drafts and reviews TRID-compliant U.S. residential Closing Disclosures, assembling all five pages of CFPB Form H-25, comparing to Loan Estimates, classifying tolerance buckets, flagging re-disclosure triggers, and producing a compliance review memo. Use when working with closing disclosures, CDs, TRID, Regulation Z, LE comparison, tolerance cures, cash-to-close reconciliation, settlement statements, or pre-consummation closing compliance review. Defers tolerance math to closing-disclosure-tolerance and timing math to closing-disclosure-timing-reference.

Closing Disclosure Timing Reference

Apache-2.0United StatesFinance

Provides TRID Closing Disclosure timing compliance rules under 12 CFR § 1026.19(f). Covers the three-business-day receipt rule, dual business-day definitions, delivery deemed-receipt rules, re-disclosure triggers, waiver procedures, and post-consummation deadlines. Use when calculating CD delivery deadlines, determining earliest permitted closing dates, evaluating whether a change triggers a new waiting period, or advising on emergency waiver procedures.

Closing Disclosure Tolerance

Apache-2.0United StatesFinance

Applies U.S. TRID tolerance rules to compare a residential mortgage Closing Disclosure (CD) against the controlling Loan Estimate (LE). Classifies fees by tolerance bucket, validates changed-circumstance resets, computes violations, and calculates cure amounts. Use when reviewing LE-CD variance, 10% tolerance, revised LE validity, changed circumstances, tolerance cure, or pre-closing compliance QA.

Cognovit Promissory Note

Apache-2.0United StatesFinance

Drafts a U.S. cognovit promissory note with confession of judgment clause, enforceability gate, and execution formalities. Use when preparing a commercial loan note with cognovit language, confession of judgment, warrant of attorney, or waiver of notice/hearing rights. Triggers: cognovit, confession of judgment, warrant of attorney, waiver of defenses.

Cognovit Promissory Note

Apache-2.0United StatesFinance

Drafts cognovit promissory notes with confession of judgment provisions, gated by mandatory jurisdictional enforceability research, usury compliance, and statutory disclosure requirements. Advises on alternatives where cognovit clauses are prohibited. Use when drafting cognovit notes, confession of judgment instruments, or loan documents requiring waiver-of-defense provisions.

Collateral Assignment of Contracts

Apache-2.0United StatesFinance

Drafts a Collateral Assignment of Contracts assigning a borrower's contractual rights as security for debt under UCC Article 9. Triggers when securing lender interests in contract rights, drafting pre-closing security documents, or structuring collateral packages for U.S. commercial credit facilities.

Commercial Promissory Note

Apache-2.0United StatesFinance

Drafts UCC-compliant U.S. Commercial Promissory Notes for commercial real estate finance transactions. Produces negotiable instruments with principal, interest, payment, default, and enforcement provisions protecting lender interests. Use when drafting promissory notes secured by real property, deed of trust, or mortgage in commercial lending.

Commitment Letter for Financing

Apache-2.0United StatesFinance

Drafts a U.S. financing commitment letter memorializing a lender's binding agreement to fund under specified economic terms, conditions precedent, and fees. Covers commercial real estate acquisition, construction, business expansion, and general commercial lending. Use when drafting loan commitment letters, lender commitment letters, financing commitments, or pre-closing funding commitments.

Consumer Loan Agreement

Apache-2.0United StatesFinance

Drafts a TILA-compliant U.S. consumer loan agreement with Regulation Z federal disclosure box, APR/finance charge calculations, payment schedules, default provisions, and required consumer notices. Applies 15 U.S.C. § 1601 et seq. and 12 CFR Part 1026. Use when drafting consumer installment loan agreements, personal loan contracts, or any consumer credit transaction requiring federal disclosure compliance.

Consumer Loan Agreement (TILA Compliant)

Apache-2.0United StatesFinance

Drafts TILA-compliant consumer loan agreements with Regulation Z disclosure boxes, APR/finance charge calculations, and enforceable terms for secured and unsecured consumer credit. Use when drafting consumer loan agreements, TILA disclosure documents, promissory notes for consumer credit, or Reg Z compliant financing contracts.

Convertible Note Purchase Agreement

Apache-2.0United StatesFinance

Drafts a company-side Convertible Note Purchase Agreement for U.S. early-stage convertible debt financings. Structures note economics, conversion mechanics, reps and warranties, closing conditions, covenants, default provisions, and miscellaneous terms. Use when drafting a convertible note purchase agreement, bridge note, convertible debt financing, or SAFE alternative for a startup or early-stage company.

Credit Contract Review

Apache-2.0BrazilFinance

Revisão de contrato bancário/crédito — juros, CET (Custo Efetivo Total), capitalização, tarifas, crédito consignado, CDC (Lei 8.078/1990), súmulas STJ sobre revisão de contratos bancários.

Cross-Border Payment Compliance Review

MITCross-jurisdictionFinance

Use when a FinTech or payments company needs a compliance review of its cross-border payment operations covering licensing requirements, sanctions screening, FX regulations, correspondent banking relationships, and regulatory reporting obligations across specified jurisdictions. MENA-aware: UAE (CBUAE, DFSA, ADGM FSRA), KSA (SAMA), LB (BdL), EG (CBE), Qatar (QCB); also covers FATF framework, SWIFT messaging standards, and US/EU sanctions regimes with extraterritorial reach.