> For the complete documentation index, see [llms.txt](https://docs.uptiq.ai/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.uptiq.ai/retail-lending/readme.md).
# Retail LOS
Navigate the Retail Loan Origination System (LOS) product reference documentation, User Guides, Help Centre, and Changelog.
### Welcome to Retail Lending
Retail LOS (Loan Origination System) is an end-to-end cloud solution for US Financial Institutions (FIs), including credit unions, to open deposit accounts and manage retail lending across consumer, auto, credit card, and residential mortgage products. An applicant can open accounts and apply for credit in one application.
Using **Agentic AI** and **automated workflows**, it handles the loan lifecycle — application intake, identity verification, decisioning, risk pricing, document generation, and closing — while adhering to US regulatory standards including TILA, ECOA, and FCRA.
This hub organizes the Retail LOS reference into focused guides. Use the pages below to configure, operate, and validate Retail LOS without repeated content.
{% hint style="info" icon="lock" %}
**Access notice**
Some Retail Lending documentation is gated.
Sign in to view it. Links to gated pages might show **Page not found** until you sign in.
{% endhint %}
> **Start with the guide that matches your immediate task.** Each topic focuses on one part of the lending lifecycle.
{% columns %}
{% column %}
#### Configure
Set up products, customer forms, decisioning, automations, documents, vendors, and access.
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{% column %}
#### Operate and validate
Use the operational, release, and definition guides to run and verify the platform.
{% endcolumn %}
{% endcolumns %}
{% hint style="info" %}
Use the cards for direct navigation. Each guide owns its topic to prevent duplicated configuration instructions.
{% endhint %}
### Find the right guide
{% tabs %}
{% tab title="Set up the platform" %}
* Start with **Product setup** and **Product configuration** for lending products.
* Use **Customer forms**, **Decisioning and offers**, and **Automation routing** to configure the applicant journey.
* Add **Document management**, **Vendor connections**, and **Access control** for supporting capabilities.
{% endtab %}
{% tab title="Run and verify" %}
* Use **Operations** for day-to-day work.
* Read the [Release notes](/retail-lending/release-notes/2026.md) before adopting a capability.
* Refer to **Core vocabulary** and **Definitions** when terms need clarification.
{% endtab %}
{% endtabs %}
{% endcolumn %}
{% endcolumns %}
---
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