Compatibility · Mortgage Lending
Compliance & Regulatory
10 document types. Every file you add to this department is filed against one of them — that filing is what routes a question to the right document instead of searching a pile.
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AML and BSA program documentation
The written anti-money-laundering program a mortgage lender keeps to meet Bank Secrecy Act rules, covering how it spots and reports suspicious activity.
What it’s used for
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Advertising compliance review procedures
A written process for checking mortgage ads and marketing materials against lending advertising rules before they are published.
What it’s used for
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Complaint handling procedures
A written procedure telling mortgage staff how to receive, log, investigate, and respond to borrower complaints within required timeframes.
What it’s used for
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ECOA and fair lending policies
A written policy setting out how a mortgage lender complies with equal credit opportunity and fair lending laws when taking and deciding loan applications.
What it’s used for
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HMDA data collection procedures
A written procedure telling mortgage staff how to collect, record, and verify the loan application data reported under HMDA.
What it’s used for
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NMLS licensing and renewal documentation
Records showing that a mortgage company and its loan originators hold current state licenses through the national licensing system, including annual renewals.
What it’s used for
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Privacy and data retention policies
An internal policy setting out how a mortgage lender collects, shares, protects, and eventually destroys borrower information.
What it’s used for
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RESPA Section 8 guidance
An internal guide explaining what payments and arrangements RESPA Section 8 allows or bans when settlement business is referred.
What it’s used for
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State-by-state lending requirements
A reference chart of the licensing, disclosure, fee, and rate rules a mortgage lender must follow in each state where it lends.
What it’s used for
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TRID timing and tolerance procedures
An internal procedure manual explaining when mortgage disclosures must be delivered and how much quoted fees may change before a refund is owed.
What it’s used for
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