49 CFR §371.113 broker disclosure

Federal regulation requires brokers to provide shippers with disclosure of compensation upon request. Prevayl auto-generates compliant disclosures and attaches them to invoices when the customer is flagged as a shipper-direct (vs broker-to-broker).

What disclosure looks like

The disclosure document includes:

Broker's name, MC number, and DOT number
Carrier's name, MC number, and DOT number
Total amount paid by shipper to broker
Total amount paid by broker to carrier
Broker's gross compensation
Itemized non-cash benefits (if any)

When it generates

By default, disclosure is generated and attached to the invoice when:

The customer has flagged itself as a shipper-of-record (vs another broker), AND
The customer has formally requested disclosure (a one-click flag in their portal)

You can also enable auto-disclosure-on-every-invoice for any customer under Customers → [name] → Compliance Settings.

FMCSA SAFER integration

SAFER (Safety and Fitness Electronic Records) is FMCSA's public carrier safety database. Prevayl pulls fresh SAFER data on:

Carrier creation (initial vetting)
Quarterly schedule (compliance refresh)
Manual re-vet button (under Carrier → Actions → Refresh SAFER)
Insurance expiration alerts (auto-triggered 30 / 14 / 7 days before COI lapse)

SAFER data populates: operating authority status, BOC-3 designation, insurance carrier and limits, hazmat authority, safety rating, crash history (last 24 months), inspection results.

SAFER data is FMCSA's record of last update. If a carrier just renewed their COI, it may take 24-72 hours for SAFER to reflect it. The carrier portal also accepts direct COI upload as a real-time bypass.

BOC-3 process agent records

Active brokers and motor carriers must designate a BOC-3 process agent in every state they operate. Prevayl tracks your BOC-3 filings and surfaces alerts when:

Your BOC-3 expires (typical: every 5 years on filing anniversary)
Your operating authority changes (re-filing required)
Your process agent retires or terminates service

BOC-3 status is visible under Settings → Compliance → BOC-3. Common process agent providers integrate via partner referral.

Broker bond ($75,000 BMC-84)

FMCSA-licensed brokers must maintain a $75,000 surety bond (BMC-84) or equivalent trust fund (BMC-85). Prevayl tracks:

Bond company and policy number
Effective date and expiration date
Current bond status (Active / Cancelled / Lapsed)
Auto-alert at 60 / 30 / 14 days before expiration

If your bond lapses, Prevayl automatically pauses new dispatch operations until renewed. This is a hard rule — federal compliance can't be over-ridden.

Immutable audit log

Every privileged action in Prevayl writes to an append-only audit log:

User login / logout / failed auth
Role changes
Order create / dispatch / cancel / re-dispatch
Invoice create / send / void / write-off
Payment received / refunded / clawed back
Carrier add / approve / suspend / terminate
BOL signature / re-signature / dispute
Settings changes (especially compliance-related)

Audit log entries cannot be edited or deleted. The DB-level append-only trigger blocks UPDATE and DELETE. Even super-admins can't modify history. View under Compliance → Audit Log; export as CSV for external auditors.

Insurance verification

For carriers, insurance verification is automated:

Coverage	Required For	Auto-Verified
Auto Liability ($1M minimum)	All carriers	Yes (FMCSA + COI upload)
Cargo ($100K-$250K typical)	All carriers handling vehicles	Yes
General Liability	Optional but recommended	Yes
Workers Comp	Some states require	Manual
Garagekeepers	Carriers with terminal yards	Manual

Dispatch Module — carrier vetting before dispatch
Accounting Module — broker disclosure on invoices
Security & Compliance — Prevayl's own security posture (SOC 2, encryption, etc.)

COMPLIANCE.