cyberneticlibrary

Enforce mortgage regulatory compliance

mortgage-complianceskillsetup L23,035
davepoon/buildwithclaude
What it does

Enforce regulatory compliance in mortgage lending interactions

Best for

Protecting lenders from regulatory violations by rejecting non-compliant interactions before they reach borrowers

Inputs
  • · borrower interaction context
  • · rate quote or fee estimate
  • · loan data
Outputs
  • · compliance-gated response or rejection with violation explanation
Requires
  • · mortgage plugin
  • · TRID/RESPA/TILA/ECOA rules engine
Preconditions

Borrower state identified; loan parameters known

Failure modes
  • · protected-class question detected (reject)
  • · PII in chat (block and redact)
  • · unearned fee detected (flag as RESPA violation)
Trust signals
  • · TRID/RESPA/TILA/ECOA/Fair Housing rules
  • · state licensing validation
  • · PII redaction