Abstract: Some implementations may include a settlement facilitation hub (SFH) to receive, from one or more retailers, transaction data comprising one or more retailer transactions. The SFH may store each retailer transaction. Based on a lender identifier of each retailer transaction, the SFH may create, for a clearinghouse associated with one or more lenders, settlement transaction data that includes a portion of the stored transactions. After providing the settlement transaction data to the clearinghouse, the SFH may receive transaction results indicating results of the clearinghouse initiating, based on the settlement transaction data, a transfer of funds from a lender account to one or more retailer accounts corresponding to the one or more retailers. The SFH may update the status of the portion of the stored transactions and create a settlement report for at least one of the one or more retailers based on the updated transactions.

Abstract: Some implementations include a disclosure system to receive a template and values used to fill in fields of the template. The values may include consumer information associated with a consumer. The disclosure system may receive signature data including a signature of the consumer. The disclosure system may create a disclosure that includes the template, the values, and the signature data. The disclosure system may associate a universally unique identifier with the disclosure and create, using a cryptographic hash function, a digital signature that represents the disclosure.