Curvestone

Legal & Compliance

SRA Standards, AML Regulations, UK Finance Handbook — Conveyancing, finance documents, regulatory compliance, and contract review

8 case types·3 categories·Property, finance docs & regulatory

Quick Reference

minimal.py
python
result = agent.check(
case_type="conveyancing_review",
depth="standard",
documents=[open("title_deeds.pdf", "rb")],
reference="LEG-2026-00201",
)

Case Types

Property & Conveyancing

NameAPI IDDescription
Conveyancing Reviewconveyancing_reviewTitle deeds, searches, and Certificate of Title against lender handbook requirements
Lease Comparisonlease_comparisonLease clause-by-clause comparison against master template

Commercial Contracts & Finance Documents

NameAPI IDDescription
Facility Agreement Reviewfacility_agreement_reviewLoan facility documents checked against agreed heads of terms
Security Document Reviewsecurity_doc_reviewDebentures, charges, and guarantees against lending criteria
KYC/AML Pack Reviewkyc_aml_reviewSource of funds/wealth documentation against SRA and LSAG guidance

Regulatory & Compliance

NameAPI IDDescription
Financial Promotions Checkfinancial_promotions_checkMarketing materials reviewed against FCA ICOBS/MCOB rules
Consumer Duty Assessmentconsumer_duty_assessmentFair value and outcomes review against FCA Consumer Duty framework
Complaints File Reviewcomplaints_reviewComplaints 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

NameAPI IDDescription
Leasehold PropertyleaseholdAdds lease term, ground rent, and service charge checks to conveyancing review
New Buildnew_buildAdds NHBC warranty, CML new build requirements, and developer obligations checks
High Riskhigh_riskEnhanced AML and sanctions screening for KYC/AML reviews
Multi-Lendermulti_lenderAdds inter-creditor and priority analysis for facility agreement and security document reviews
Consumer Duty Overlayconsumer_dutyApplies Consumer Duty fair value framework to any case type

Document Requirements

Typical documents required per case type.

Case TypeRequired Documents
Conveyancing ReviewTitle deeds, local authority searches, environmental searches, drainage search, CoT (if applicable)
Lease ComparisonMaster lease template, tenant lease document(s)
Facility Agreement ReviewFacility agreement, heads of terms, any side letters or amendments
Security Document ReviewDebenture/charge documents, guarantee agreements, facility agreement
KYC/AML Pack ReviewID documents, source of funds evidence, company structure docs, bank statements
Financial Promotions CheckMarketing material (PDF, screenshot, or URL), applicable FCA rules reference
Consumer Duty AssessmentProduct documentation, pricing schedule, customer communications, fair value assessment
Complaints File ReviewComplaint correspondence, investigation notes, final response letter, redress records

Depths

NameAPI IDDurationScoringPriceDescription
Preliminarypreliminary~30spass_fail£0.50Document presence, basic structure validation
Standardstandard~2 minrag£3.00Full document review with clause analysis and compliance checks
Comprehensivecomprehensive~3 minrag£8.00Standard + 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

request.py
python
from curvestone import Agent
agent = 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

response.json
json
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 typeWhat it watchesTypical schedule
regulation_changeSRA Standards, AML Regulations, and FCA Consumer Duty updatesweekly
lender_handbookUK Finance Handbook and individual lender conveyancing requirementsweekly
filing_deadlineCompanies House filings, Land Registry deadlines, regulatory submissionsdaily
website_changeLand Registry, Companies House, SRA, and FCA register pagesweekly

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.

See also