ATOM // LEGAL // COMPLIANCE

Compliance Engine

State-specific disclosures · audit vault · APR calc · Reg Z tooling

Active Deals

High-Reg States

CA · NY · VA · UT

Disclosures (MTD)

Auto-generated + sent

Audit Events

214,082

Retained 7y

Violations

90 day rolling

Rules applied automatically at deal creation

State	Severity	Requirements	Portfolio $	Open Deals	Status
CA California	high	CFDL disclosure required (SB 1235) APR calculation mandatory Standardized disclosure form must be signed pre-funding	$306K	1	CLEAR
NY New York	high	Commercial Finance Disclosure Law (CFDL) applies Standardized disclosure form required DFS registration required for originators	$389K	2	CLEAR
TX Texas	medium	OCCC registration required for MCAs over $50K Confession of judgment prohibited	$371K	0	CLEAR
VA Virginia	high	Sales-based Financing Disclosure Act Dollar cost and APR must be disclosed	$1034K	1	CLEAR
UT Utah	medium	Commercial Financing Registration Act (2023)	$1K	0	CLEAR
FL Florida	medium	State usury caps inapplicable but UDAP risk elevated	$364K	0	CLEAR
GA Georgia	medium	Commercial Financing Disclosure Law effective 2024	$203K	1	CLEAR
CT Connecticut	medium	Commercial Financing Disclosure Law	$385K	0	CLEAR

Live for selected deal · California Commercial Financing Disclosure

Advance$85,000

Total payback$113,900

Factor rate1.340

Term (days)180

Payment frequencyDaily

Daily payment$904

Reg Z APR equiv.

69.0%

Total cost of capital

$28,900

APR calculated per California SB 1235 methodology · disclosed to merchant pre-funding · acknowledgment stored in audit vault.

Every action · every deal · 7y retention

2026-04-18 09:14:02systemCFDL disclosure acknowledged — DEAL-1042

2026-04-18 08:52:17p.ramanApproved DEAL-1038 — triggered CA disclosure PDF

2026-04-18 08:30:00systemDaily ACH batch started · 1,284 attempts

2026-04-17 16:41:22systemNY CFDL form auto-generated for DEAL-1030

2026-04-17 14:20:00d.ortizAudit vault · downloaded DEAL-1025 package

2026-04-17 10:05:41systemTX OCCC registration verified · quarterly renewal

2026-04-17 09:00:10systemDNC scrub applied · 1,842 prospects suppressed

DocuSign · e-signOK

Persona · KYCOK

SecureFile · UCCOK

OFAC · sanctionsOK

OCCC TX renewalDUE 30d

SOC 2 Type IIOK