name: legal-compliance description: Contract review and regulatory compliance for CEMAC/OHADA business law. Use when analyzing contracts, checking compliance, or answering legal questions about Central African regulations.

Legal Compliance Assistant

CEMAC/OHADA legal compliance system for contract review, regulatory analysis, and business law guidance across Central African jurisdictions.

Core Capabilities

1. Contract Analysis

Extract and analyze key contract clauses
Identify non-compliant terms
Suggest OHADA-aligned alternatives
Risk assessment and scoring

2. Regulatory Compliance

CEMAC banking regulations
OHADA Uniform Acts (Actes Uniformes)
BEAC (Central Bank) directives
Country-specific business laws

3. Legal Document Generation

Contract templates (OHADA-compliant)
Terms of service
Privacy policies (GDPR-aligned)
Employment agreements

4. Dispute Resolution

Arbitration procedures (OHADA)
Mediation guidance
Litigation risk assessment

OHADA Uniform Acts Framework

8 Uniform Acts (Actes Uniformes)

1. General Commercial Law (Droit Commercial Général)

Commercial transactions
Business entities (traders, merchants)
Commercial leases
Key Articles:
- Art. 2-4: Definition of commercial acts
- Art. 6-14: Traders and merchant status

2. Company Law (Droit des Sociétés Commerciales)

Formation of companies (SARL, SA, SAS, SNC, SCS)
Corporate governance
Shareholder rights
Dissolution procedures
Key Articles:
- Art. 5-9: Company formation requirements
- Art. 385-430: SARL regulations
- Art. 435-853: SA (Société Anonyme) regulations

3. Securities Law (Droit des Sûretés)

Collateral (movable and immovable)
Mortgages (hypothèques)
Pledges (gages)
Personal guarantees (cautionnements)
Key Articles:
- Art. 3-48: Mortgages
- Art. 92-107: Pledges
- Art. 108-122: Retention of title

4. Simplified Recovery Procedures & Enforcement (Procédures Simplifiées)

Debt collection
Insolvency proceedings
Bankruptcy procedures
Restructuring
Key Articles:
- Art. 1-54: Payment injunctions
- Art. 25-84: Collective proceedings

5. Arbitration Law (Droit de l'Arbitrage)

Arbitration agreements
Arbitral proceedings
Enforcement of awards
Key Articles:
- Art. 3-4: Arbitration agreements
- Art. 13-20: Arbitral tribunal composition

6. Accounting Law (Droit Comptable - SYSCOHADA)

Financial reporting standards
Chart of accounts
Audit requirements
Key Articles:
- Art. 8-12: Accounting obligations
- Art. 68-98: Financial statements

7. Transport Law (Droit des Transports)

Carriage of goods by road
Freight forwarding
Liability rules
Key Articles:
- Art. 4-46: Road transport contracts

8. Cooperative Law (Droit des Sociétés Coopératives)

Cooperative societies
Governance rules
Membership rights
Key Articles:
- Art. 4-11: Cooperative formation

CEMAC Banking & Financial Regulations

BEAC (Banque des États de l'Afrique Centrale) Directives

1. Reserve Requirements

Minimum Reserve Ratio: 13% of deposits
Calculation: Total deposits × 0.13
Compliance: Weekly verification required

2. Capital Adequacy (Basel II Standards)

Minimum CAR: 8% (Capital Adequacy Ratio)
Formula: (Tier 1 Capital + Tier 2 Capital) / Risk-Weighted Assets ≥ 8%
Higher requirements for systemic banks: 10%

3. Foreign Exchange Controls

Transaction Limit: 5,000,000 XAF (no BEAC approval needed)
Above 5M XAF: Requires BEAC authorization
Repatriation: Export proceeds must be repatriated within 150 days

4. AML/KYC Requirements

Customer Identification: Mandatory for all accounts
PEP Screening: Enhanced due diligence for politically exposed persons
Transaction Monitoring: Automated systems required for banks
Suspicious Activity Reporting: Within 48 hours to GABAC (CEMAC Financial Intelligence Unit)

5. Payment Services Regulation

Mobile Money Licensing: Requires BEAC authorization
E-Money Limits:
- Individual wallets: 2,000,000 XAF max balance
- Daily transactions: 1,000,000 XAF
Agent Networks: Must be registered with BEAC

6. Lending Regulations

Maximum Interest Rate: 15% per annum (varies by country)
Loan-to-Value Ratio: 80% for real estate loans
Provisioning: Required for non-performing loans (NPL > 90 days overdue)

Contract Review Workflow

Standard Contract Analysis Process

Step 1: Document Intake

Read contract (PDF, DOCX, or plain text)
Extract metadata: parties, date, contract type, jurisdiction

Step 2: Clause Extraction

Identify key clauses:
- Parties: Legal names, addresses, registration numbers
- Object: Purpose and scope of contract
- Payment Terms: Amount, currency, payment schedule
- Duration: Start date, end date, renewal terms
- Termination: Conditions for early termination
- Liability: Limitation of liability clauses
- Dispute Resolution: Arbitration/jurisdiction clauses
- Governing Law: Applicable legal framework

Step 3: Compliance Verification

Check against OHADA Uniform Acts
Verify mandatory clauses are present
Flag prohibited or risky terms
Assess enforceability

Step 4: Risk Assessment

Legal Risk Score: 1-10 (1=low, 10=critical)
Risk categories:
- Regulatory non-compliance
- Unfavorable payment terms
- Weak liability protection
- Missing arbitration clause
- Unclear termination rights

Step 5: Recommendations

Suggest clause modifications
Propose additional protections
Reference OHADA/CEMAC standards
Provide template alternatives

Contract Analysis Example

Example: Supplier Service Agreement Review

User Request: "Review this supplier contract for compliance"

Contract Summary:

Contract Type: Service Agreement
Parties: 
  - Client: CemaPay SARL (Cameroon)
  - Supplier: Tech Solutions SA (Gabon)
Date: January 15, 2025
Value: 25,000,000 XAF
Duration: 12 months
Governing Law: Cameroonian law

Extracted Clauses:

1. Object: IT infrastructure maintenance
2. Payment: 2,083,333 XAF/month (paid in advance)
3. Termination: 30-day notice required
4. Liability: Limited to contract value
5. Dispute Resolution: Courts of Yaoundé
6. Confidentiality: Non-disclosure for 2 years

Compliance Check:

✅ Compliant Clauses:

Object clearly defined (OHADA Commercial Law, Art. 3)
Payment terms specified (OHADA Commercial Law, Art. 270)
Confidentiality clause present

⚠️ Non-Compliant/Risky Clauses:

Missing Arbitration Clause (High Risk)
- OHADA Arbitration Law recommends arbitration for commercial disputes
- Court litigation in Yaoundé may be slow and costly
- Recommendation: Add arbitration clause referencing CCJA (Common Court of Justice and Arbitration)
Vague Termination Conditions (Medium Risk)
- 30-day notice is present but termination grounds unclear
- No force majeure clause
- Recommendation: Specify termination conditions (breach, non-payment, force majeure)
Limited Liability Cap (Medium Risk)
- Liability limited to contract value (25M XAF)
- Does not address consequential damages
- Recommendation: Add exclusion of consequential damages for both parties
Governing Law Ambiguity (Low Risk)
- "Cameroonian law" is vague (could mean national law or OHADA law)
- Recommendation: Specify "OHADA law with subsidiary application of Cameroonian law"

Legal Risk Score: 6/10 (Medium-High)

Recommended Modifications:

## Proposed Clause Additions

### Clause 8: Dispute Resolution (NEW)
"Any dispute arising from this contract shall be resolved by arbitration under 
OHADA Arbitration Law. The arbitration shall be conducted by the CCJA (Common 
Court of Justice and Arbitration) in Abidjan, Côte d'Ivoire. The arbitration 
shall be conducted in French with one arbitrator appointed by mutual agreement."

### Clause 5 (Modified): Termination
"Either party may terminate this contract with 30 days' written notice in the 
following circumstances:
a) Material breach not cured within 15 days of written notice
b) Non-payment for more than 30 days
c) Force majeure event lasting more than 60 days
d) Insolvency or bankruptcy proceedings initiated against either party"

### Clause 6 (Modified): Liability
"Liability shall be limited to the total contract value (25,000,000 XAF) for 
direct damages only. Neither party shall be liable for indirect, consequential, 
or punitive damages including loss of profits, business interruption, or data loss."

### Clause 9: Governing Law (Modified)
"This contract is governed by OHADA Uniform Acts on Commercial Law and Company Law, 
with subsidiary application of Cameroonian national law for matters not covered 
by OHADA."

Summary Report (French):

RAPPORT D'ANALYSE DE CONTRAT

Contrat: Accord de Service Informatique
Parties: CemaPay SARL ↔ Tech Solutions SA
Valeur: 25,000,000 XAF
Score de Risque Juridique: 6/10 (Moyen-Élevé)

RÉSULTATS:
✅ 3 clauses conformes
⚠️ 4 clauses à modifier

RECOMMANDATIONS PRIORITAIRES:
1. Ajouter clause d'arbitrage (CCJA) - CRITIQUE
2. Préciser conditions de résiliation - IMPORTANT
3. Clarifier limitation de responsabilité - IMPORTANT
4. Spécifier droit applicable (OHADA) - MINEUR

ACTIONS REQUISES:
- Négocier ajout clause d'arbitrage avant signature
- Réviser clauses de résiliation et responsabilité
- Obtenir avis juridique si modifications refusées

Regulatory Compliance Checks

AML/KYC Compliance Verification

Use Case: Verify customer onboarding meets CEMAC AML requirements

Required Documents:

Government-issued ID (passport, national ID card)
Proof of address (utility bill, bank statement < 3 months)
Source of funds declaration (for high-value accounts)
Business registration (for corporate accounts)

Verification Steps:

Identity Verification
- Validate ID document authenticity
- Check expiry date
- Verify name, date of birth, nationality
PEP Screening
- Check against politically exposed persons database
- Enhanced due diligence if PEP identified
- Source of wealth verification required
Sanctions Screening
- UN sanctions lists
- OFAC (US Treasury)
- EU sanctions lists
- National sanctions lists

Risk Classification

Low Risk: Salaried employees, domestic transactions
Medium Risk: Self-employed, cross-border transactions
High Risk: PEPs, high-value transactions, cash-intensive businesses

Ongoing Monitoring
- Transaction monitoring for suspicious patterns
- Periodic KYC updates (annually for high-risk, every 3 years for low-risk)
- Suspicious activity reporting (SAR) if needed

Compliance Report Example:

RAPPORT DE CONFORMITÉ AML/KYC

Client: John Doe
Type: Particulier (Individual)
Classification de Risque: Faible

DOCUMENTS VÉRIFIÉS:
✅ Carte d'identité nationale (valide jusqu'en 2028)
✅ Facture d'électricité (décembre 2024)
✅ Déclaration de source de fonds (salaire)

CONTRÔLES EFFECTUÉS:
✅ PEP Screening: Négatif
✅ Sanctions Screening: Négatif
✅ Vérification de l'adresse: Confirmée

STATUT: CONFORME - Compte peut être ouvert

Legal Document Templates

1. Service Agreement Template (OHADA-Compliant)

CONTRAT DE PRESTATION DE SERVICES
(En conformité avec le Droit Commercial Général OHADA)

ENTRE:

La société [CLIENT_NAME], [LEGAL_FORM] au capital de [CAPITAL] XAF,
immatriculée au RCCM sous le numéro [RCCM_NUMBER],
dont le siège social est situé à [ADDRESS],
représentée par [REPRESENTATIVE_NAME], agissant en qualité de [TITLE],
ci-après dénommée "le Client",

D'UNE PART,

ET:

La société [SUPPLIER_NAME], [LEGAL_FORM] au capital de [CAPITAL] XAF,
immatriculée au RCCM sous le numéro [RCCM_NUMBER],
dont le siège social est situé à [ADDRESS],
représentée par [REPRESENTATIVE_NAME], agissant en qualité de [TITLE],
ci-après dénommée "le Prestataire",

D'AUTRE PART,

IL A ÉTÉ CONVENU ET ARRÊTÉ CE QUI SUIT:

ARTICLE 1: OBJET DU CONTRAT
Le présent contrat a pour objet [DESCRIPTION OF SERVICES].

ARTICLE 2: DURÉE
Le contrat est conclu pour une durée de [DURATION] à compter du [START_DATE].

ARTICLE 3: PRIX ET MODALITÉS DE PAIEMENT
Le montant total du contrat s'élève à [AMOUNT] XAF HT, soit [AMOUNT_TTC] XAF TTC.
Le paiement sera effectué selon l'échéancier suivant: [PAYMENT_SCHEDULE].

ARTICLE 4: OBLIGATIONS DU PRESTATAIRE
Le Prestataire s'engage à:
- [OBLIGATION 1]
- [OBLIGATION 2]

ARTICLE 5: OBLIGATIONS DU CLIENT
Le Client s'engage à:
- [OBLIGATION 1]
- [OBLIGATION 2]

ARTICLE 6: RESPONSABILITÉ ET GARANTIES
La responsabilité du Prestataire est limitée aux dommages directs et ne pourra
excéder le montant total du contrat.

ARTICLE 7: RÉSILIATION
Le contrat peut être résilié dans les cas suivants:
a) Inexécution des obligations contractuelles
b) Non-paiement dans un délai de 30 jours
c) Force majeure durant plus de 60 jours

ARTICLE 8: RÈGLEMENT DES DIFFÉRENDS
Tout litige relatif à l'interprétation ou à l'exécution du présent contrat
sera soumis à l'arbitrage de la CCJA (Cour Commune de Justice et d'Arbitrage)
conformément au Droit de l'Arbitrage OHADA.

ARTICLE 9: LOI APPLICABLE
Le présent contrat est régi par les Actes Uniformes OHADA relatifs au
Droit Commercial Général et au Droit des Obligations, avec application
subsidiaire du droit national [COUNTRY].

Fait à [CITY], le [DATE], en deux exemplaires originaux.

Pour le Client:                    Pour le Prestataire:
[SIGNATURE]                        [SIGNATURE]

Integration with Legal AI Agent

Database Tables Used

legal_documents: Uploaded contracts and legal files
compliance_checks: Regulatory verification results
contract_templates: Pre-approved OHADA templates
regulatory_updates: CEMAC/OHADA law changes

API Functions

analyze_contract(file_path): Extract and review contract clauses
check_ohada_compliance(contract_data): Verify OHADA compliance
assess_legal_risk(clauses): Calculate risk score
generate_contract(template_id, params): Create OHADA-compliant contract
verify_kyc(customer_id): Check AML/KYC compliance

External Integrations

CCJA Database: Access OHADA case law and precedents
GABAC API: Verify PEP and sanctions lists
BEAC Portal: Check regulatory updates
RCCM Registry: Verify company registration

Error Handling

Common Issues & Solutions

Issue: Contract language not supported

Error: Contract in English, but OHADA contracts must be in French
Solution: Translate contract or request French version
Note: OHADA official language is French for legal validity

Issue: Invalid company registration number (RCCM)

Error: RCCM number format invalid (expected: CM-YDE-2025-A-0001)
Solution: Verify format with national RCCM registry
Format: [COUNTRY]-[CITY]-[YEAR]-[TYPE]-[NUMBER]

Issue: Arbitration clause refers to non-OHADA jurisdiction

Error: Arbitration in Paris ICC court (not CCJA)
Warning: May not be enforceable in OHADA countries
Recommendation: Use CCJA arbitration for OHADA compliance

Issue: Missing mandatory clauses

Error: No governing law clause specified
Requirement: OHADA contracts must specify applicable law
Solution: Add "Governed by OHADA Uniform Acts" clause

Performance Optimization

Best Practices

Clause Library: Cache common clauses for fast template generation
Regex Patterns: Pre-compiled patterns for clause extraction
Risk Scoring Cache: Store risk scores for contract types
Parallel Analysis: Analyze multiple contracts simultaneously

Token Usage Estimates

Basic contract review: ~3,000 tokens
Detailed compliance check: ~5,000 tokens
Contract generation: ~2,000 tokens
AML/KYC verification: ~1,500 tokens

References & Resources

OHADA Resources

OHADA Portal: https://www.ohada.org
CCJA (Arbitration Court): https://www.ccja.org
OHADA Uniform Acts: Full text available at OHADA.org
SYSCOHADA: Accounting standards documentation

CEMAC Resources

BEAC (Central Bank): https://www.beac.int
GABAC (Financial Intelligence): https://www.gabac-cemac.org
CEMAC Commission: https://www.cemac.int

Country-Specific Registries

Cameroon RCCM: https://www.rccm.cm
Gabon Business Registry: https://www.guichetunique.ga
Chad RCCM: https://www.economie.gouv.td

smartbooks-financial: OHADA accounting and tax compliance
kyc-verification: Customer identity verification
fraud-detection: Legal risk assessment

Last Updated: January 2025
Skill Version: 1.0.0
Maintained By: Legal AI Team

legal-compliance

SKILL.md

name: legal-compliance description: Contract review and regulatory compliance for CEMAC/OHADA business law. Use when analyzing contracts, checking compliance, or answering legal questions about Central African regulations.

Legal Compliance Assistant

Core Capabilities

1. Contract Analysis

2. Regulatory Compliance

3. Legal Document Generation

4. Dispute Resolution

OHADA Uniform Acts Framework

8 Uniform Acts (Actes Uniformes)

CEMAC Banking & Financial Regulations

BEAC (Banque des États de l'Afrique Centrale) Directives

Contract Review Workflow

Standard Contract Analysis Process

Contract Analysis Example

Example: Supplier Service Agreement Review

Regulatory Compliance Checks

AML/KYC Compliance Verification

Legal Document Templates

1. Service Agreement Template (OHADA-Compliant)

Integration with Legal AI Agent

Database Tables Used

API Functions

External Integrations

Error Handling

Common Issues & Solutions

Performance Optimization

Best Practices

Token Usage Estimates

References & Resources

OHADA Resources

CEMAC Resources

Country-Specific Registries

スコア

レビュー

legal-compliance

SKILL.md

name: legal-compliance description: Contract review and regulatory compliance for CEMAC/OHADA business law. Use when analyzing contracts, checking compliance, or answering legal questions about Central African regulations.

Legal Compliance Assistant

Core Capabilities

1. Contract Analysis

2. Regulatory Compliance

3. Legal Document Generation

4. Dispute Resolution

OHADA Uniform Acts Framework

8 Uniform Acts (Actes Uniformes)

CEMAC Banking & Financial Regulations

BEAC (Banque des États de l'Afrique Centrale) Directives

Contract Review Workflow

Standard Contract Analysis Process

Contract Analysis Example

Example: Supplier Service Agreement Review

Regulatory Compliance Checks

AML/KYC Compliance Verification

Legal Document Templates

1. Service Agreement Template (OHADA-Compliant)

Integration with Legal AI Agent

Database Tables Used

API Functions

External Integrations

Error Handling

Common Issues & Solutions

Performance Optimization

Best Practices

Token Usage Estimates

References & Resources

OHADA Resources

CEMAC Resources

Country-Specific Registries

Related Skills

スコア

レビュー