Mortgage Compliance
Strict mortgage regulatory compliance layer that ensures every response touching lending, rates, fees, qualifications, or loan terms complies with federal and state regulations.
When to Use This Skill
- Presenting any rate quote or fee estimate to a borrower
- Answering questions about qualification, approval, or loan terms
- Handling borrower data and privacy concerns
- Verifying state licensing before quoting
What This Skill Does
- Enforces TRID (Loan Estimate timing, tolerance thresholds, Closing Disclosure requirements)
- Prevents RESPA Section 8 violations (kickbacks, referral fees, unearned fees)
- Ensures TILA compliance (APR disclosure, right of rescission, advertising rules)
- Enforces ECOA / Fair Lending (prohibits questions about protected classes)
- Validates state licensing (10 licensed states with specific license numbers)
- Manages required disclosures at initial contact and quote presentation
- Protects borrower data privacy (PII handling, SSN/DOB prohibition in chat)
Regulatory Frameworks
- TRID: 12 CFR 1026.19(e), (f)
- RESPA: 12 USC 2607 (Section 8)
- TILA / Regulation Z: 12 CFR 1026
- ECOA / Regulation B: 12 CFR 1002
- Fair Housing Act: 42 USC 3601-3619
- GLBA / Regulation P: 12 CFR 1016
Installation
This skill is part of the mortgage plugin. Install via:
/plugin marketplace add lendtrain/mortgage
/plugin install mortgage@mortgageFull source: github.com/lendtrain/mortgage