Legal & Compliance
SRA Standards, AML Regulations, UK Finance Handbook — Conveyancing, finance documents, regulatory compliance, and contract review
Quick Reference
result = agent.check(case_type="conveyancing_review",depth="standard",documents=[open("title_deeds.pdf", "rb")],reference="LEG-2026-00201",)
Case Types
Property & Conveyancing
| Name | API ID | Description |
|---|---|---|
| Conveyancing Review | conveyancing_review | Title deeds, searches, and Certificate of Title against lender handbook requirements |
| Lease Comparison | lease_comparison | Lease clause-by-clause comparison against master template |
Commercial Contracts & Finance Documents
| Name | API ID | Description |
|---|---|---|
| Facility Agreement Review | facility_agreement_review | Loan facility documents checked against agreed heads of terms |
| Security Document Review | security_doc_review | Debentures, charges, and guarantees against lending criteria |
| KYC/AML Pack Review | kyc_aml_review | Source of funds/wealth documentation against SRA and LSAG guidance |
Regulatory & Compliance
| Name | API ID | Description |
|---|---|---|
| Financial Promotions Check | financial_promotions_check | Marketing materials reviewed against FCA ICOBS/MCOB rules |
| Consumer Duty Assessment | consumer_duty_assessment | Fair value and outcomes review against FCA Consumer Duty framework |
| Complaints File Review | complaints_review | Complaints handling compliance against FCA DISP rules |
Every transaction in the Mortgage, Lending, and Insurance clusters generates legal documents. The Legal & Compliance cluster is designed to wrap around those existing workflows — use it on the same cases your teams are already running through the platform.
Modifiers
| Name | API ID | Description |
|---|---|---|
| Leasehold Property | leasehold | Adds lease term, ground rent, and service charge checks to conveyancing review |
| New Build | new_build | Adds NHBC warranty, CML new build requirements, and developer obligations checks |
| High Risk | high_risk | Enhanced AML and sanctions screening for KYC/AML reviews |
| Multi-Lender | multi_lender | Adds inter-creditor and priority analysis for facility agreement and security document reviews |
| Consumer Duty Overlay | consumer_duty | Applies Consumer Duty fair value framework to any case type |
Document Requirements
Typical documents required per case type.
| Case Type | Required Documents |
|---|---|
| Conveyancing Review | Title deeds, local authority searches, environmental searches, drainage search, CoT (if applicable) |
| Lease Comparison | Master lease template, tenant lease document(s) |
| Facility Agreement Review | Facility agreement, heads of terms, any side letters or amendments |
| Security Document Review | Debenture/charge documents, guarantee agreements, facility agreement |
| KYC/AML Pack Review | ID documents, source of funds evidence, company structure docs, bank statements |
| Financial Promotions Check | Marketing material (PDF, screenshot, or URL), applicable FCA rules reference |
| Consumer Duty Assessment | Product documentation, pricing schedule, customer communications, fair value assessment |
| Complaints File Review | Complaint correspondence, investigation notes, final response letter, redress records |
Depths
| Name | API ID | Duration | Scoring | Price | Description |
|---|---|---|---|---|---|
| Preliminary | preliminary | ~30s | pass_fail | £0.50 | Document presence, basic structure validation |
| Standard | standard | ~2 min | rag | £3.00 | Full document review with clause analysis and compliance checks |
| Comprehensive | comprehensive | ~3 min | rag | £8.00 | Standard + cross-reference analysis, precedent comparison, remedial actions |
Scoring Modes
pass_fail
Used by preliminary. Each check returns pass or fail. The overall result is pass if all checks pass, or fail if any check fails.
rag
Used by standard and comprehensive. Each check returns green (compliant, no issues), amber (deviation or gap, needs attention), or red (significant issue or missing critical element). Amber and red findings include descriptions and remedial actions. The overall triage is the worst-case result across all checks.
Worked Example: Conveyancing Review
Conveyancing review with leasehold modifier at comprehensive depth.
Request
from curvestone import Agentagent = Agent()result = agent.check(case_type="conveyancing_review",depth="comprehensive",modifiers=["leasehold"],documents=[open("title_deeds.pdf", "rb"),open("local_authority_search.pdf", "rb"),open("environmental_search.pdf", "rb"),],reference="LEG-2026-00201",)
Response
1{2 "id": "job_5rTk2wXqL9",3 "type": "check",4 "status": "completed",5 "triage": "red",6 "reference": "LEG-2026-00201",7 "processing_time": "168s",8 "scoring": "rag",9 "checks": [10 { "name": "Title Defects", "triage": "green" },11 { "name": "Search Report Analysis", "triage": "amber" },12 { "name": "Lender Handbook Compliance", "triage": "green" },13 { "name": "Lease Term & Ground Rent", "triage": "red" },14 { "name": "Service Charge Review", "triage": "green" },15 { "name": "AML Source of Funds", "triage": "green" }16 ],17 "findings": [18 {19 "severity": "red",20 "check": "Lease Term & Ground Rent",21 "finding": "Remaining lease term is 68 years. UK Finance Handbook requires a minimum unexpired term of 70 years at completion (85 years for some lenders). The ground rent exceeds £250 p.a. and includes an uncapped doubling clause, which may render the lease an assured shorthold tenancy under the Housing Act 1988.",22 "remedial_action": "Obtain a lease extension to a minimum of 125 years (990 preferred). Negotiate removal or capping of the ground rent escalation clause. Confirm the lease will not be classified as an AST post-extension. Re-submit once the deed of variation is executed."23 },24 {25 "severity": "amber",26 "check": "Search Report Analysis",27 "finding": "The environmental search flagged a historic landfill site within 250m of the property. No contamination report or indemnity insurance has been provided.",28 "remedial_action": "Commission a Phase 1 environmental assessment or obtain environmental indemnity insurance. Provide the report or policy to the lender for review before completion."29 }30 ],31 "cost": "£8.00"32}
Ask
Use POST /ask to ask natural-language questions about a completed legal job, a document, or regulatory requirements.
Example questions
- →Does this title have any restrictive covenants that affect the lender?
- →What AML risks are flagged in this KYC pack?
- →Does this marketing email comply with FCA financial promotions rules?
- →What are the key deviations between this facility agreement and the heads of terms?
- →Has this complaint been handled within DISP timeframes?
Questions can reference a job_id for context-aware answers grounded in the original documents and findings. £0.05 per turn.
Monitor
Use POST /monitor to set up recurring watches relevant to the legal & compliance cluster.
| Monitor type | What it watches | Typical schedule |
|---|---|---|
| regulation_change | SRA Standards, AML Regulations, and FCA Consumer Duty updates | weekly |
| lender_handbook | UK Finance Handbook and individual lender conveyancing requirements | weekly |
| filing_deadline | Companies House filings, Land Registry deadlines, regulatory submissions | daily |
| website_change | Land Registry, Companies House, SRA, and FCA register pages | weekly |
Monitors can trigger downstream actions via on_finding — e.g. automatically re-run a conveyancing check when lender handbook requirements change. £15/month per monitor.