mortgage-compliance
Enforces mortgage regulatory compliance — TRID, RESPA, TILA, ECOA/Fair Lending, state licensing, required disclosures, and data privacy rules for all borrower interactions.
Best use case
mortgage-compliance is best used when you need a repeatable AI agent workflow instead of a one-off prompt.
Enforces mortgage regulatory compliance — TRID, RESPA, TILA, ECOA/Fair Lending, state licensing, required disclosures, and data privacy rules for all borrower interactions.
Teams using mortgage-compliance should expect a more consistent output, faster repeated execution, less prompt rewriting.
When to use this skill
- You want a reusable workflow that can be run more than once with consistent structure.
When not to use this skill
- You only need a quick one-off answer and do not need a reusable workflow.
- You cannot install or maintain the underlying files, dependencies, or repository context.
Installation
Claude Code / Cursor / Codex
Manual Installation
- Download SKILL.md from GitHub
- Place it in
.claude/skills/mortgage-compliance/SKILL.mdinside your project - Restart your AI agent — it will auto-discover the skill
How mortgage-compliance Compares
| Feature / Agent | mortgage-compliance | Standard Approach |
|---|---|---|
| Platform Support | Not specified | Limited / Varies |
| Context Awareness | High | Baseline |
| Installation Complexity | Unknown | N/A |
Frequently Asked Questions
What does this skill do?
Enforces mortgage regulatory compliance — TRID, RESPA, TILA, ECOA/Fair Lending, state licensing, required disclosures, and data privacy rules for all borrower interactions.
Where can I find the source code?
You can find the source code on GitHub using the link provided at the top of the page.
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SKILL.md Source
# 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 1. Enforces TRID (Loan Estimate timing, tolerance thresholds, Closing Disclosure requirements) 2. Prevents RESPA Section 8 violations (kickbacks, referral fees, unearned fees) 3. Ensures TILA compliance (APR disclosure, right of rescission, advertising rules) 4. Enforces ECOA / Fair Lending (prohibits questions about protected classes) 5. Validates state licensing (10 licensed states with specific license numbers) 6. Manages required disclosures at initial contact and quote presentation 7. 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@mortgage ``` Full source: [github.com/lendtrain/mortgage](https://github.com/lendtrain/mortgage)
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