Finance & Banking — United States
Finance & Banking skills for United States (imported from open sources; see each skill's author_url for provenance).
Skills
United States
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finance
Overview
Anti-Money Laundering (AML) and Know Your Customer (KYC) compliance workflow. Sanctions screening, PEP detection, transaction monitoring, suspicious …
United States
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finance
Capital Call Notice
Drafts U.S. capital call notices for PE, VC, or fund-managed LLCs aligned to LPA/operating agreement procedures and side letters. Use when drafting a…
United States
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finance
TRID CD Tolerance Reference
Guides the agent through TRID tolerance compliance under 12 CFR § 1026.19(e)(3), comparing Closing Disclosure fees to Loan Estimate fees across zero,…
United States
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finance
CIP Policy Drafting
Drafts a U.S. Customer Identification Program (CIP) policy compliant with USA PATRIOT Act Section 326 and 31 CFR 1020.220. Covers identity collection…
United States
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finance
Closing Disclosure
Drafts and reviews TRID-compliant U.S. residential Closing Disclosures, assembling all five pages of CFPB Form H-25, comparing to Loan Estimates, cla…
United States
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finance
Closing Disclosure Timing Reference
Provides TRID Closing Disclosure timing compliance rules under 12 CFR § 1026.19(f). Covers the three-business-day receipt rule, dual business-day def…
United States
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finance
Closing Disclosure Tolerance
Applies U.S. TRID tolerance rules to compare a residential mortgage Closing Disclosure (CD) against the controlling Loan Estimate (LE). Classifies fe…
United States
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finance
Cognovit Promissory Note
Drafts cognovit promissory notes with confession of judgment provisions, gated by mandatory jurisdictional enforceability research, usury compliance,…
United States
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finance
Cognovit Promissory Note
Drafts a U.S. cognovit promissory note with confession of judgment clause, enforceability gate, and execution formalities. Use when preparing a comme…
United States
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finance
Collateral Assignment of Contracts
Drafts a Collateral Assignment of Contracts assigning a borrower's contractual rights as security for debt under UCC Article 9. Triggers when securin…
United States
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finance
Commercial Promissory Note
Drafts UCC-compliant U.S. Commercial Promissory Notes for commercial real estate finance transactions. Produces negotiable instruments with principal…
United States
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finance
Commitment Letter for Financing
Drafts a U.S. financing commitment letter memorializing a lender's binding agreement to fund under specified economic terms, conditions precedent, an…
United States
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finance
Consumer Loan Agreement
Drafts a TILA-compliant U.S. consumer loan agreement with Regulation Z federal disclosure box, APR/finance charge calculations, payment schedules, de…
United States
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finance
Consumer Loan Agreement (TILA Compliant)
Drafts TILA-compliant consumer loan agreements with Regulation Z disclosure boxes, APR/finance charge calculations, and enforceable terms for secured…
United States
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finance
Convertible Note Purchase Agreement
Drafts a company-side Convertible Note Purchase Agreement for U.S. early-stage convertible debt financings. Structures note economics, conversion mec…
United States
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finance
Depository Account Agreement
Drafts a U.S. Depository Account Agreement governing the institution–depositor relationship for checking, savings, money market, and CD accounts. Enf…
United States
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finance
Forbearance Agreement (Loan)
Drafts loan forbearance agreements that temporarily suspend lender enforcement rights during borrower default. Triggers when drafting forbearance agr…
United States
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finance
GLBA Expert
GLBA expert for financial institutions. Deep knowledge of Gramm-Leach-Bliley Act including Safeguards Rule (16 CFR Part 314), Privacy Rule (16 CFR Pa…
United States
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finance
GLBA Privacy Notice
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…
United States
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finance
Unlimited Guaranty
Drafts a U.S. Unlimited Guaranty for commercial lending transactions. Triggers when user needs an uncapped personal or entity guaranty, credit enhanc…
United States
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finance
Intercreditor Agreement (Lien Priority)
Drafts a first lien/second lien intercreditor agreement governing creditor priority, enforcement rights, and payment waterfalls over shared collatera…
United States
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finance
Intercreditor Agreement (Lien Priority)
Drafts U.S. intercreditor agreements establishing first lien vs second lien priority over shared collateral, covering standstill, enforcement control…
United States
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finance
Loan and Security Agreement
Drafts a U.S. secured Loan and Security Agreement with UCC Article 9 security interests, perfection mechanics, covenants, and enforcement remedies. U…
United States
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finance
Loan Forbearance Agreement
Drafts lender-protective U.S. commercial loan forbearance agreements that temporarily suspend remedies while preserving all lender rights, capturing …
United States
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finance
Loan Modification Agreement
Drafts a U.S. commercial Loan Modification Agreement amending existing loan terms (interest rates, payment schedules, maturity dates, covenants) whil…
United States
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finance
Management Rights Letter
Drafts management rights letters for VC/PE equity investment closings, granting investors contractual consultation, inspection, and information right…
United States
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finance
Mortgage Compliance Validation Skill
Validates mortgage advisor responses against three hardcoded compliance rules and returns structured JSON.
United States
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finance
Pledge Agreement (Securities)
Drafts perfected-security-interest Pledge Agreements for securities collateral under UCC Article 9. Use when drafting securities pledge agreements, s…
United States
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finance
Promissory Note (Residential)
Drafts enforceable residential promissory notes with party identification, principal/interest terms, payment schedules, default/acceleration provisio…
United States
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finance
Revolving Credit Agreement
Drafts a market-standard U.S. revolving credit agreement for bilateral or syndicated facilities. Covers facility structure, SOFR/base rate interest, …
United States
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finance
Secured Promissory Note
Drafts U.S. secured promissory notes for commercial lending with lender-protective terms, UCC Article 9 collateral grants, and state usury compliance…
United States
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finance
Security Agreement (Granting Lien)
Drafts UCC Article 9 security agreements granting first-priority liens on specified collateral. Covers party identification, collateral descriptions,…
United States
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finance
Side Letter
Drafts U.S. venture capital and private equity side letter agreements that supplement a primary agreement without formal amendment. Use when drafting…
United States
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finance
Subordination Agreement
Drafts debt subordination agreements establishing senior/junior creditor priority, payment waterfalls, standstill provisions, turnover obligations, a…
United States
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finance
Term Loan Agreement
Drafts U.S. corporate finance term loan agreements covering economic terms, covenants, collateral, events of default, and enforcement mechanics. Trig…
United States
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finance
TILA-Compliant Consumer Loan Agreement
Drafts U.S. consumer loan agreements with integrated Truth in Lending (TILA/Reg Z) disclosures, including disclosure-box construction, APR and financ…
United States
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finance
TRID Tolerance
Classifies closing costs into zero, 10% cumulative, and unlimited tolerance buckets under 12 CFR § 1026.19(e)(3). Validates changed circumstances for…
United States
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finance
UCC Financing Statement and Amendments
Drafts UCC-1 Financing Statements and UCC-3 Amendments to perfect security interests under Article 9 of the Uniform Commercial Code. Handles debtor i…
United States
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finance
Evidence of UCC Lien Release
Drafts Evidence of UCC Lien Release documents proving termination of security interests perfected under the Uniform Commercial Code. Extracts UCC-1 f…
United States
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finance
Evidence of UCC Lien Release
Drafts an Evidence of UCC Lien Release documenting termination of a UCC-1 financing statement for U.S. transactional closings. Trigger when the user …