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Home/Regulations/TILA / TRID (Lending Disclosures) — Regulatory Reference
Regulatory Reference
Real Estate Federal (US) high

TILA / TRID (Lending Disclosures) — Regulatory Reference

Loan disclosure accuracy — audit trail for AI-assisted mortgage processing and adverse action notice requirements.

Key Provisions
  • Regulation Z (12 CFR Part 1026) implements TILA
  • TRID integrates TILA and RESPA disclosures (Loan Estimate, Closing Disclosure)
  • Tolerance and accuracy rules for disclosed amounts
  • Adverse action requirements under § 1002.9 (ECOA crosswalk)
How AutoPIL Enforces It
  • Audit chain captures AI participation in loan disclosure generation
  • Pre-retrieval enforcement prevents AI from consuming categories that would create disclosure-accuracy risk
  • Agent registry distinguishes AI agents in front-end (LE/CD generation) vs. back-end (verification) roles
Audit LogPolicy EngineSensitivity Labels
AutoPIL Policy IDs
RE-TILA-TRID-001Disclosure Generation Audit
RE-TILA-AA-001Adverse Action Notice Support
Official Sources
https://www.consumerfinance.gov/rules-policy/regulations/1026/https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/tila-respa-integrated-disclosures/

This page is a working reference and not a substitute for qualified legal review. Verify against official sources before use in compliance artifacts.

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