Regulatory Compliance (Complete Guide)

This is a comprehensive policy guide to comply with laws and regulations for mortgage lending as a mortgage banker. This is a complete policy guide. Once purchased this guide will be customized to your specifications. You will receive an immediate invoice receipt, and I will contact you to discuss customizations for this policy guide. This is written for independent mortgage bankers but can be customized for depository financial institutions and credit unions. The base guide before customization is 342 pages.

This comprehensive guide covers the following laws and regulations:

Table of Contents

ADVERTISING AND MARKETING POLICY

ANTI-MONEY LAUNDERING POLICY (INCLUDING US PATRIOT ACT)

APPRAISAL MANAGEMENT POLICY (INCLUDING AIR)

APPRAISER INDEPENDENCE        

COMPLIANCE MANAGEMENT

COMPLIANCE MANAGEMENT SYSTEM (CMS)

CONSUMER COMPLAINT MANAGEMENT POLICY

CYBERSECURITY AND INFORMATION SECURITY POLICY

DISASTER RECOVERY/BUSINESS CONTINUITY POLICY

ELECTRONIC FUND TRANSFERS ACT POLICY (EFTA – REG E)

ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ACT POLICY (ESIGN)

EQUAL CREDIT OPPORTUNITY ACT POLICY (ECOA – REG B)            

FAIR AND RESPONSIBLE LENDING POLICY

FAIR CREDIT REPORTING ACT POLICY (FCRA – REG V)

FAIR DEBT COLLECTION PRACTICES ACT (FDCPA)

FAIR HOUSING ACT POLICY (FH ACT)

HOME MORTGAGE DISCLOSURE ACT POLICY (HMDA - REG C)

HOMEOWNERS PROTECTION ACT POLICY (PMI ACT)

LOAN ORIGINATOR COMPENSATION POLICY (LO COMP)

NON-TRADITIONAL MORTGAGE LENDING

PRIVACY POLICY (REG – P)

REAL ESTATE SETTLEMENT PROCEDURES ACT POLICY (RESPA – REG X)

REVERSE MORTGAGES

SECURE AND FAIR ENFORCEMENT FOR MORTGAGE LICENSING ACT (SAFE ACT – REG H)

SERVICEMEMBER CIVIL RELIEF ACT POLICY (SCRA)

MORTGAGE SERVICING POLICY

THIRD-PARTY ORIGINATOR APPROVAL POLICY (TPO)

TRUTH IN LENDING ACT POLICY (TILA – REG Z)

UNFAIR, DECEPTIVE, OR ABUSIVE ACTS OR PRACTICES (UDAAP)

VENDOR OVERSIGHT POLICY

APPENDIX A (DEFINITIONS)