Describe your institution once. applicable.ai does the reading.
Each step shows its work.
Describe your institution.
Charter, regulator, states, products, size. We can draft it; you confirm each fact.
Example Bancorp
- Institution profile
- Legal entities
- Geographic footprint
- Deposit products
- Lending products
applicable.ai reads each rule.
Who it binds, what triggers it, the carve-outs.
Decides.
Each condition is checked against your profile. Thresholds are compared in code.
“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?
Asks when a fact is missing.
Answer it, or send it to whoever knows. No account needed.
Your compliance team is asking:
Does Example Bancorp take mortgage applications itself, or only buy closed loans?
Why we're asking: the duty falls on the creditor that receives the application, not on a buyer of a closed loan.
What this is about
Answer with one click:
No sign-in needed. The link is for you only and works once.
Watches the text.
A changed section is recorded and sorted by whether it matters.
Continuously monitor regulatory developments.
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.
Links changes to controls.
Identifies impacted compliance artifacts and recommends changes or follow-up actions.
Today applicable.ai suggests the duties and controls a change may touch. You accept or reject each.
Duties become controls.
Duties are grouped. applicable.ai reuses a control you have, changes one, or drafts one.
Loan Estimate timing check
Every mortgage applicant gets the Loan Estimate within the required time after application.
You keep the record.
Each accept and override is saved with who and when. Decisions export to CSV.
Keep your controls and mappings here, or take them to your GRC as a CSV.
What applicable.ai doesn't do.
No API; your GRC gets a CSV. It doesn't attest or grade anything.
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