> ## 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.

# Regulatory data

> Use sanctions screening and the surplus lines compliance feed without hiding uncertain results.

Underflow uses external regulatory sources at three points: party screening before a quote letter or bind, state-specific surplus lines figures during rating and policy service, and state filing after each eligible surplus-lines booking with a home state.

## Sanctions screening

Underflow queries the federal Consolidated Screening List through the trade.gov API. A clear result adds no sanctions hold. A possible match or service error holds that quote letter or bind for review. When several parties are checked, each one is reported on its own: the names that matched, and the names whose lookup did not complete. A confirmed hit is the overall result, and the reviewer still sees which party was not screened.

See [Screening and reporting](https://docs.useunderflow.com/controls/screening-and-reporting.md) for the review flow.

## Surplus lines data

Each writing state has an operational record for tax, stamping fees, other state charges, notice periods, required wording, document requirements, verification status, and source. Table-based rating can calculate from an active row, but an unverified row holds the quote letter for review.

See [Surplus lines](https://docs.useunderflow.com/controls/surplus-lines.md) for the verification boundary and the diligent search.

## InsCipher

InsCipher is the compliance feed for surplus lines. Underflow uses four of its APIs:

| API | Used for |
| - | - |
| Tax calculator | Live tax and fee figures on each quote letter, bind, endorsement, and cancellation; the monthly state refresh |
| Diligent forms | The state's affidavit and diligent-effort forms, filled from the file |
| Transaction import | Reporting each eligible booking to the state, keyed on the ledger row |
| Document import | Attaching the binder, declarations page, and signed state forms to the filing |

The feed's webhooks carry filing status, SLA numbers, tax-paid dates, and stamp wording changes back onto the records.

### Configuration

Underflow provisions the InsCipher account, credentials, and webhook. Each surplus-lines program names its InsCipher line-of-business code; a program without one cannot be priced or filed through the feed.

Without the key, quotes price from the state table, forms are not generated, and nothing is filed. **Accounting > State rules** shows whether each table record is verified and where it came from; the screen is read-only.

> [!WARNING]
>
> An external data source does not replace legal review. An unverified table rule requires review before the quote
> letter is sent, and a feed refusal is not treated as a completed filing. Sanctions availability has a different
> boundary: an outage is visible but does not stop the quote or bind on its own.


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