Imported from davepoon/buildwithclaude (plugins/mortgage/skills/mortgage-compliance/SKILL.md). Install upstream with npx skills add davepoon/buildwithclaude --skill mortgage-compliance. Copyright stays with the author.

Mortgage Compliance

Name: mortgage-compliance
Author: davepoon

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@mortgage

Full source: github.com/lendtrain/mortgage

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mortgage-compliance

About

Mortgage Compliance

When to Use This Skill

What This Skill Does

Regulatory Frameworks

Installation

Use it

Manifest

Reviews