Consumer Credit Card Agreement review
Consumer card agreement measured against TILA / Regulation Z (12 C.F.R. Part 1026) and the CARD Act disclosure duties.
Review your document — free → See a sample report- 7 document-specific checks
- + 118 general checks
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What it checks
APR types, ranges, and variable-rate index
Critical · BNK-132
Fee schedule and penalty pricing
Warning · BNK-133
Grace period and balance-computation method
Warning · BNK-134
Forty-five-day advance notice of adverse changes
Critical · BNK-135
Billing-rights and error-resolution summary
Warning · BNK-136
Payment allocation to highest-APR balances
Warning · BNK-137
Arbitration clause and opt-out mechanics
Warning · BNK-138
Every run also applies 118 general checks that belong to any agreement: structure, parties and signatures, defined terms, cross-references, dates, amounts, and one-sided terms.
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How it works
- Open vaulytica.com — no account, nothing to install.
- Drop your PDF or DOCX, or paste the text. The document type is detected and only the checks that belong to it run, inside your browser tab.
- Get a Word report in which every finding quotes the clause and cites the rule and source behind it — one of 1,946 checks across 286 document types.