Rules Page
The Rules Page includes all of the accounts' existing Rules, including both Active and previously Disabled Rules, divided between the tabbed Views. Below are columns available within the grid view for the Rules Page:
Severity: the Severity setting elected for the individual Rule.
Title: the title of Rule as entered by the Rule creator.
Categories: reportable Categories associated with the individual Rule.
Resource Types: resource types include Document Review, Social Media Posts, and Social Media Profiles. At this time, TrustFrame Rules should be built utilizing Document Review as the Resource component.
Tags: reportable Tags associated with the individual Rule.
Added: the date a Rule was created and added to the account.
Identifier: unique system-created identifier for each individual Rule.
Description: the Rule Description that outlines what the AI compliance agent should be identifying.
Disabled: the date a Rule was disabled in the account.
Components of a Rule
To see more information on an individual Rule, users may select the eyeball icon on the far left column to see the Rule Pane extend. Key components of a Rule include:
Severity: users should select a Severity rating for a Rule based on level of importance. Options include Low, Moderate, and Critical in an ascending order. The higher the Severity of a Rule, the higher the Total Severity numerical score will be.
Name: the Rule Name will be a key component of the instruction provided to the AI compliance agent. The Rule Name should be a concise directive whenever possible.
Description: the Rule Description is where users may apply some further direction to the AI compliance agent. The Description section can include some additional qualifying information, key regulations to reference, examples of ideal findings, and exceptions to the Rule.
Resources: At this time, TrustFrame Rules should be built utilizing "Document Review" as the Resource component.
Categories: the Rule Categories may be utilized for reporting purposes and will often feature key reporting categories related to an applicable regulation (such as TILA, RESPA, etc.) or another type of policy election (such as State, Corporate policy, etc.). Rule Categories are highly customizable; users may pull from an existing Categories list or create new Categories at any time.
Tags: the Rule Tags may also be utilized for reporting purposes as they relate to content application (such as custom-created content or advertising pieces meant to be displayed in a particular state(s) like WA). Rule Tags are highly customizable; users may pull from an existing Tag list or create new Tags at any time.
Once a Rule has been created, users may later edit components of the Rule or may elect to Disable the Rule entirely using the toggle at bottom of the pane.
Advice on Building a Rule
To create a new Rule, users should select the Add Rule button at the top right of the screen. As these Rules provide instruction to the AI compliance agent, some key tips and tricks can assist users with creating Rule prompts for specific desired outcomes:
Ensure the Rule Name is a clear directive: the Rule Name should be a concise directive whenever possible. The more obscure the command, the less likely the desired response will be returned.
The Rule Description will evolve over time: as users begin to introduce more and more Documents into the system, there will inevitably be additional instructions and exceptions needed within a Rule to achieve the desired response. Users should be prepared to (1) potentially make many Rule tweaks in the beginning to dial the AI compliance agent in to meet institution standards and (2) adjust Rules over time as institution standards evolve.
Outlining exceptions to the Rule: a key component of the Description section should be any exceptions to a Rule. Users may use the phrase "exceptions include" or something similar within the Description section for the AI compliance agent.
Rule Example
Below is an example of how a Rule might be built. Note how there is mention of a specific regulation ("TILA"), examples of true findings ("as low as 6.5%"), and exceptions to the Rule ("Mention of closing cost savings does not count as a trigger term"):
Name:
"Improper Use of Trigger Terms"
Description:
"The advertisement contains any of the TILA triggering terms, such as: the amount or percentage of any downpayment, the number of payments or period of repayment, the amount of any payment, or the amount of any finance charge without also disclosing: (i) The amount or percentage of the downpayment, the terms of repayment, which reflect the repayment obligations over the full term of the loan, including any balloon payment, the “annual percentage rate,” using that term, and, if the rate may be increased after consummation, that fact. For example, the advertisement mentions an interest rate ("as low as 6.5%"), a down payment amount ("only $10,000 down"), or a specific monthly payment ("payments of just $1,800/month"), but fails to include the full, required disclosures.
Exceptions: Mention of closing costs or closing cost savings does not count as a trigger term. Mentions of loan terms in a small text disclosure should not be flagged. Use of the phrase "Interest rates" is not an issue unless a numerical value is also present. Mention of LTV does not count as a trigger term."