> ## Documentation Index
> Fetch the complete documentation index at: https://docs.useunderflow.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Compliance controls

> See which compliance results hold work, which remain visible, and which require desk procedure.

Compliance in Underflow is attached to the operating event it affects. State taxes are checked during pricing and policy service, sanctions are screened before a quote letter or bind, agency credentials stay with the counterparty, and carrier reports come from the premium ledger.

The working pages in this section cover the recurring tasks: [Surplus lines](https://docs.useunderflow.com/controls/surplus-lines.md) for state rates, fees, notice periods, wording, and the diligent search; [State filing](https://docs.useunderflow.com/controls/state-filing.md) for reporting eligible surplus-lines bookings to the state; and [Screening and reporting](https://docs.useunderflow.com/controls/screening-and-reporting.md) for sanctions review and carrier bordereaux.

## What the product holds

* An unverified state row holds a table-priced quote letter for human review.
* A possible sanctions match or an incomplete screening lookup holds the quote letter or bind for review. Every party keeps its own line in the reasons, so a match on one name never hides that another name was not screened.
* A state filing the feed refuses stays failed, with the reason, until a person retries it.
* Aurora cannot sign off a carrier bordereau or record a carrier remittance.

Not every missing result is a hard stop, but a sanctions service error is: Underflow records the incomplete outcome and holds the quote letter or bind for a person. Agency licence and E\&O details remain visible but do not feed statements or gate payment. Appointment rates feed commission records, while W-9 and tax-ID fields feed the 1099 worksheet.

> [!NOTE]
>
> A carrier filing creates a Ready settlement and asks an admin or owner to sign off. Underflow records a remittance
> only against a Signed settlement; the Accounting screen offers no payment on a Ready one.

## Audit trail

The action log records automatic and approved actions with actor, outcome, time, and explanation. Approval records show who decided and when. Some generated documents, such as binders and certificates, remain linked to their policy event; use the relevant workflow page for the exact record kept for each artifact.

Use the file timeline, action log, filing register, and accounting registers together when reconstructing a decision.


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