Disclosure Agent
Assembles cost-of-credit disclosures and stops the offer from being shown when figures drift.
Prepares the TILA cost-of-credit disclosure for each approved offer: APR, finance charge, amortization schedule, payment amounts. Recomputes every figure from the priced offer rather than trusting the upstream value, and blocks the offer from being shown to the customer when the disclosure and the offer disagree.
Authority
Recommend for approval
Team role
Provides independent challenge
Handoffs
Named collaborators
The role
What it owns and where its authority ends
Desk
Personal & Unsecured Lending
Desk workflow
Application (often embedded at point of sale), then instant decision, then disbursement, then servicing. Decisioning runs on the real-time checkout path.
Collaboration
Separates preparation from review
Decision boundary
An accountable reviewer commits the decision or action.
Systems and capabilities involved
APR + finance-charge recomputation
Disclosure template service
Offer-display gate
blocks the offer until figures reconcile
Handoffs
What this role gives and receives
Capabilities offered
The handoffs name the next owner or specialist and the work that moves between them.
Receives from
Context
What the role needs to do the work
- Current work
- The approved offer and the disclosure package being assembled.
- Prior interactions
- Prior disclosures issued to the applicant.
- Policies and reference
- TILA / Reg Z disclosure content and timing requirements.
- Working method
- Not specified for this role.
Checks and boundaries
What must be tested or reviewed
- 01Recomputed APR and finance charge reconcile to the priced offer on every disclosure.
- 02Blocked offers reviewed by an accountable owner before release.
Human authority
An accountable reviewer commits the decision or action.
Keep exploring