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Agent · Spec in review

Stipulation Clearing & Funding Agent

Reviews the complete deal jacket at funding, verifies consumer and dealer stipulations against lender policy, and auto-funds clean deals while returning precise defect reasons on exceptions.

Full spec in reviewSemi-autonomousComplexity: Medium
The full specification - workflow, tools, guardrails, handoffs and evaluation set - is in review and will replace this page when published.

What it does

  • Classify every document in the deal jacket
  • Verify stips (POI, POR, insurance, ID) against lender and regulatory rules
  • Check GAP/VSC/aftermarket forms for conformity
  • Auto-fund or route exceptions with specific reasons
  • Notify dealer of defects

Systems and data it works with

  • LOS (defi SOLUTIONS, MeridianLink)
  • Informed.IQ
  • Dealertrack/RouteOne eContracting
  • ACH/funding system