aiben_inputs.csv

questions,context_prompt,eval_prompt
"1. Compliance with Anti-Money Laundering (AML) Regulations: Does the organization have a robust AML program in place, including a designated AML compliance officer? Ensure that there is a designated person responsible for managing AML policies and compliance.
2. Know Your Customer (KYC) Procedures: Are all customers subject to KYC checks, including identity verification and background screening? Review the processes used to verify customer identities, including the use of government-issued identification and any third-party background checks.
3. Suspicious Activity Reporting (SAR): Has the organization filed Suspicious Activity Reports (SARs) for any transactions that appear suspicious or fall under AML regulations? Check the organization's SAR filing history to ensure timely and accurate reports of suspicious activities, such as large, irregular transactions.
4. Transaction Monitoring and Reporting: Does the organization have an automated system to monitor transactions for suspicious activity and compliance with transaction reporting thresholds? Confirm whether automated systems are in place for detecting suspicious activity, such as unusually large transactions or transactions from high-risk jurisdictions.
5. Dodd-Frank Act Compliance: Consumer Protection: Does the organization comply with the consumer protection requirements of the Dodd-Frank Wall Street Reform and Consumer Protection Act? Check for compliance with regulations such as the Consumer Financial Protection Bureau (CFPB) rules on lending practices, and confirm that the institution is avoiding deceptive or unfair practices.
6. Fair Lending Practices (Equal Credit Opportunity Act): Is the organization adhering to fair lending practices, ensuring that loans are not denied based on discriminatory factors such as race, gender, or ethnicity? Verify that all loans are processed in compliance with the Equal Credit Opportunity Act (ECOA), which ensures fair and non-discriminatory lending.
7. Loan Underwriting and Risk Assessment Procedures: Are loan underwriting procedures consistent with the organization’s internal policies and regulatory guidelines, including thorough risk assessments? Review whether loan approvals are based on sound financial data, such as the applicant’s credit score, income, debt-to-income ratio, and the value of any collateral.
8. Transparency in Loan Terms (Truth in Lending Act - TILA): Does the organization provide full and transparent disclosure of loan terms, including APR, interest rates, fees, and repayment schedules, in compliance with the Truth in Lending Act (TILA)? Ensure that the organization is adhering to TILA by providing clear and accurate loan terms before borrowers sign any agreements.
9. Documentation and Record-Keeping: Is the organization maintaining proper records of loan documents, customer interactions, and compliance activities for the required retention period (typically 5 years)?  Check that all loan documentation, customer communications, and compliance checks are properly stored and readily accessible for audits and inspections.
10. Regulatory Reporting and Audit Trail: Does the organization provide accurate and timely regulatory reports, including required financial disclosures, tax filings, and audit trails of transactions and loan decisions? Review whether the organization is submitting required regulatory reports on time, ensuring proper documentation and transparency for financial audits, regulatory reviews, and internal inspections.",Read the following document and answer the following question clearly and concisely in 100 words or less. SAMPLE DOCUMENT: {sample_plan} QUESTION: {subquestion} RELEVANT CONTEXT: {subquestion_context} ANSWER: ,"According to government policy, an acceptable document must have all of the elements described in the following questions. Read the following question-and-answer pairs about a certain proposal and determine whether or not it conforms to the government pollicy. Remember: if any single element is missing from the proposal, it automatically means that the entire proposal does NOT conform to government policy. If the plan does not conform to government policy, explain why not. {qa_pairs} Based on the question-and-answer pairs above, does the plan follow government policy?"