Mobile Document Tailoring for Regulatory Compliance
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Solution Overview
Problem
Mobile devices struggle to adequately present and execute loan documents due to screen size limitations and compliance with state and federal regulations, making it difficult for borrowers to review and understand the terms, especially when multiple co-borrowers are involved.
Innovation Solution
A method that converts documents from a PDF to an HTML format, tailoring the content based on the borrower's state of residence and required signatures, highlighting important information, and disabling irrelevant sections, ensuring compliance with regulations and optimal display on mobile devices.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If a loan document is displayed on a mobile device screen, then the borrower can review and execute the document remotely, but the small screen size makes it difficult to adequately present the contents and comply with regulatory requirements for highlighting certain information
Solution Approach 1:
The document is segmented into multiple sections or pages that can be navigated sequentially on the mobile device. The system divides the full document into manageable portions that fit the small screen, allowing borrowers to review content in discrete sections while maintaining access to the complete document through navigation controls.
Solution Approach 2:
The system transitions from a static, single-view document display to a multi-dimensional navigation interface. This includes implementing scrollable pages, expandable sections, and hierarchical navigation that allows users to access different parts of the document across multiple screen dimensions and time, effectively overcoming the limited screen real estate.
2Reliability
If the document includes all required sections for co-borrowers, then all parties can review their obligations, but irrelevant sections for non-viewing co-borrowers clutter the display and reduce readability
Solution Approach 1:
The document display is customized based on the identity of the current user. When a specific co-borrower views the document, sections pertaining to other co-borrowers are automatically hidden or disabled, while sections relevant to the current user remain visible and editable. This local customization ensures each user sees only their relevant obligations, improving clarity without compromising the overall legal completeness.
Solution Approach 2:
The document interface dynamically adapts its content based on which co-borrower is currently viewing it. The system detects the user's identity and automatically adjusts the displayed content, showing or hiding specific sections as needed. This dynamic behavior allows the same document to serve multiple users with different information needs without requiring separate document versions.
3Reliability
If the document highlights all required information per regulations, then compliance with federal and state laws is achieved, but the document becomes more complex and harder to review on a small screen
Solution Approach 1:
The system pre-identifies and marks all sections that require regulatory highlighting before the user views the document. During the review process, these pre-identified sections are automatically highlighted or brought to the user's attention through navigation aids, ensuring compliance requirements are met without requiring the user to manually search through the entire document or understand complex regulatory rules.
Data Source
AI summary
A method for tailoring a document for viewing on a mobile device includes obtaining residence information for an individual who is required to sign the document. The document is tailored to the residence of the individual. This includes hiding or condensing one or more portions of the document that pertain to laws in other jurisdictions. The document is permitted to be accessible by the mobile device.