12 CFR Part 1026

TILA/Reg Z Compliance Execution

Truth in Lending Act / Regulation Z

The Truth in Lending Act requires accurate and timely disclosure of credit terms to consumers. Canarie helps you execute TILA compliance through automated workflows for disclosure reviews, APR verification, and quality control testing.

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Key Requirements

1
Loan Estimate and Closing Disclosure accuracy
2
APR calculation accuracy
3
Periodic statement requirements
4
Right of rescission procedures
5
Advertising disclosure requirements
6
Record retention

The Compliance Execution Challenge

Most institutions struggle with recurring TILA/Reg Z Compliance Execution requirements. Policy reviews get missed, attestations are chased manually, and evidence is scattered across systems. When examiners ask for proof, teams scramble to piece together documentation.

The Canarie Execution Layer

Canarie transforms TILA/Reg Z Compliance Execution compliance from periodic scrambles into continuous execution. Recurring tasks are automated, evidence is captured as work is completed, and proof of compliance is always ready for examiners.

Automated Workflows

Recurring compliance tasks are scheduled, assigned, and tracked automatically.

Evidence Capture

Evidence is captured automatically as compliance work is completed. No manual collection.

Audit Trails

Complete audit trails show who did what, when, with immutable records.

Examiner-Ready Export

Export organized evidence packages in formats examiners expect.

Non-Compliance Risks

Statutory damages up to $4,000 for individual violations
Class action liability up to $1M or 1% of net worth
Actual damages
Attorney fees and court costs

Frequently Asked Questions

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