Regulatory compliance, powered by AI.
Know what applies. Understand what changed. Know what to do next.
applicable.ai reads the rule and tells you if it applies to you, and why. When the text changes, it says whether that matters.
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“The creditor shall deliver or place in the mail the disclosures required under paragraph (e)(1)(i) of this section not later than the third business day after the creditor receives the consumer's application…”
Example Bancorp records residential mortgage lending as an active product line, which brings this paragraph into scope. The profile doesn't say whether the bank takes applications itself or only buys closed loans, so the call stays open.
Does Example Bancorp take mortgage applications itself, or only buy closed loans?
Stop working out what applies by hand.
Describe your institution once. applicable.ai reads each rule against that profile and marks it applicable, not applicable or potentially applicable, with the reason. If a fact is missing, it asks.
Change a fact and the decisions that used it go stale. Your overrides stay put.
Find the changes that matter.
When a section's text changes, it's recorded. Decisions reasoned from the old text wait for you.
Continuously monitor regulatory developments.
The creditor shall must deliver or place in the mail the disclosures required under paragraph (e)(1)(i) of this section not later than the third business day…
Loan Estimate timing check
Suggested revision for your review. A qualified person must review this against the rule text before adopting it. This is preparation, not a determination that any requirement is addressed.
Not every edit means something.
Don't give your compliance team more alerts. Give them answers.
Each change is sorted as substantive, clarifying or immaterial, with a one-sentence reason that names the words that changed.
Proposed rules are scored against your profile, with a reason.
Example Bancorp offers checking accounts with overdraft coverage, so a change to fee disclosures would reach its account-opening documents and periodic statements.
See which duties and controls a change touches.
Identifies impacted compliance artifacts and recommends changes or follow-up actions.
Today applicable.ai lists the duties and controls a change may touch, with the evidence. You accept or reject each one.
Proposed rule on deposit account fee disclosures
Example Bancorp offers checking accounts with overdraft coverage, so a change to fee disclosures would reach its account-opening documents and periodic statements.
Match each duty to a control, yours first.
Duties that ask for the same thing are grouped. applicable.ai looks at your controls first. If one fits, it points at that control. If one nearly fits, it proposes the change. Otherwise it drafts one.
Ask for a whole library in one go and the controls land active, labelled AI-generated, for you to edit or retire.
Keep your controls and mappings here, or take them to your GRC as a CSV.
A direct connector to your GRC is next.
Loan Estimate timing check
Every mortgage applicant gets the Loan Estimate within the required time after application.
Know what applies. Understand what changed. Know what to do next.
Four agents, one profile.
What applies to us?
Applicability Agent. Applicable, not applicable, or a question for you.
What changed?
Change Intelligence Agent. The words that changed, and whether they matter.
Does it matter to us?
Change Management Agent. The duties and controls it touches.
What should we do about it?
Coverage Agent. Keep, change or draft the control. You decide.
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What's in the library today.
108 sources across 51 jurisdictions: federal, 48 states, DC and the EU. 91 are regulation text. 17 are rulemaking registers: the Federal Register and 16 state registers.
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It's free. Sign up with an email and a username; you sign in from a one-time link. Regulation text only, no bank data.
- 12 CFR Part 1024
- 12 CFR Part 1026Truth in Lending (Regulation Z)
- § 1026.17
- § 1026.18
- § 1026.19Certain mortgage and variable-rate transactions.
- § 1026.20
§ 1026.19 Certain mortgage and variable-rate transactions.
(iii) Timing—(A) The creditor shall deliver or place in the mail the disclosures required under paragraph (e)(1)(i) of this section not later than the third business day after the creditor receives the consumer's application, as defined in § 1026.2(a)(3).
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