Finance legal-AI skills in 🇺🇸 United States

34 legal AI skills for finance in United States.

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 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.

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.

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.

Depository Account Agreement

Apache-2.0United StatesFinance

Drafts a U.S. Depository Account Agreement governing the institution–depositor relationship for checking, savings, money market, and CD accounts. Enforces Regulation CC (funds availability), Regulation E (electronic fund transfers), Regulation DD (truth in savings), BSA/AML, PATRIOT Act, and OFAC. Embeds required disclosures, liability limits, error resolution, fee structures, and ownership provisions. Trigger keywords: "depository account agreement", "deposit account terms", "checking account agreement", "savings account agreement", "funds availability", "Reg CC", "Reg E", "Reg DD".

Evidence of UCC Lien Release

Apache-2.0United StatesFinance

Drafts an Evidence of UCC Lien Release documenting termination of a UCC-1 financing statement for U.S. transactional closings. Trigger when the user needs a UCC-3 termination certificate, secured-party release letter, payoff evidence, or clear-title closing deliverable. Keywords: "UCC-1", "UCC-3 termination", "lien release", "secured party release", "clear title", "payoff letter".

Evidence of UCC Lien Release

Apache-2.0United StatesFinance

Drafts Evidence of UCC Lien Release documents proving termination of security interests perfected under the Uniform Commercial Code. Extracts UCC-1 filing numbers, party information, and collateral descriptions from uploaded documents for compliant drafting. Use for UCC lien releases, UCC-3 termination evidence, security interest discharge certificates, or asset purchase closings requiring proof of clear title.

Forbearance Agreement (Loan)

Apache-2.0United StatesFinance

Drafts loan forbearance agreements that temporarily suspend lender enforcement rights during borrower default. Triggers when drafting forbearance agreements, loan workout documents, payment modification agreements, or temporary enforcement suspension arrangements in commercial lending.

GLBA Expert

MITUnited StatesFinance

GLBA expert for financial institutions. Deep knowledge of Gramm-Leach-Bliley Act including Safeguards Rule (16 CFR Part 314), Privacy Rule (16 CFR Part 313), FTC enforcement, information security program requirements, vendor management, and consumer privacy notices.

GLBA Privacy Notice

Apache-2.0United StatesFinance

Drafts GLBA-compliant privacy notices using the 16 CFR Part 313 Appendix A model form safe harbor. Use when creating or updating Regulation P privacy notices, annual consumer disclosures, or NPI sharing notices for banks, credit unions, securities firms, insurers, or other covered entities under 15 U.S.C. §§ 6801–6809.

Intercreditor Agreement (Lien Priority)

Apache-2.0United StatesFinance

Drafts a first lien/second lien intercreditor agreement governing creditor priority, enforcement rights, and payment waterfalls over shared collateral. Follows LSTA and ABA market-standard conventions. Use when drafting intercreditor agreements, lien subordination agreements, first lien/second lien arrangements, or creditor priority documents in loan and financing transactions.

Intercreditor Agreement (Lien Priority)

Apache-2.0United StatesFinance

Drafts U.S. intercreditor agreements establishing first lien vs second lien priority over shared collateral, covering standstill, enforcement control, payment waterfall/turnover, and 11 U.S.C. 510(a) subordination. Use for first lien/second lien financings, refinancing, or intercreditor negotiations requiring lien priority and remedies governance. Trigger: intercreditor, lien priority, first lien, second lien, standstill, turnover, payment waterfall, subordination agreement.

Loan and Security Agreement

Apache-2.0United StatesFinance

Drafts a U.S. secured Loan and Security Agreement with UCC Article 9 security interests, perfection mechanics, covenants, and enforcement remedies. Use when documenting secured commercial loans, acquisition financing, working capital facilities, or equipment financing requiring perfected lien documentation.

Loan Forbearance Agreement

Apache-2.0United StatesFinance

Drafts lender-protective U.S. commercial loan forbearance agreements that temporarily suspend remedies while preserving all lender rights, capturing existing defaults, payment deferrals, conditions precedent, and borrower releases. Use when drafting or reviewing a forbearance agreement, loan workout, payment deferral, temporary modification, default standstill, lender-borrower restructuring, or cure-period extension.

Loan Modification Agreement

Apache-2.0United StatesFinance

Drafts a U.S. commercial Loan Modification Agreement amending existing loan terms (interest rates, payment schedules, maturity dates, covenants) while preserving enforceability of original loan documents, security interests, and guarantees without novation. Use when restructuring commercial loans, extending maturities, modifying covenants, formalizing forbearance, or documenting workout arrangements.

Pledge Agreement (Securities)

Apache-2.0United StatesFinance

Drafts perfected-security-interest Pledge Agreements for securities collateral under UCC Article 9. Use when drafting securities pledge agreements, stock pledge documents, collateral assignments, or security interest grants in investment property securing loans or credit facilities.

Promissory Note (Residential)

Apache-2.0United StatesFinance

Drafts enforceable residential promissory notes with party identification, principal/interest terms, payment schedules, default/acceleration provisions, and security instrument cross-references. Ensures TILA awareness and state usury compliance. Use when drafting promissory notes for residential mortgages, deeds of trust, or seller-financed home sales; trigger keywords: promissory note, residential note, mortgage note, deed of trust note, seller financing note, balloon note.