Mortgage compliance isn’t optional
Mortgage origination operates under more communications-regulation overlap than almost any consumer industry: TCPA, TILA-RESPA (TRID), CFPB UDAAP, state-level fair-lending rules, and product-specific rules for FHA, VA, USDA, and Reverse. The Compliance Workflow ships built around them.
What’s included
- TCPA consent capture — every form ships with consent language above the submit button, written in compliant style. The consent timestamp, IP, and user-agent are logged per-record.
- STOP / HELP keyword handlers — every SMS workflow honors STOP (suppression) and HELP (info reply) automatically. No way to send to opted-out contacts.
- Suppression list — STOP-replied contacts are added to a global suppression list that blocks every outbound channel.
- CAN-SPAM compliance — every email includes physical address and unsubscribe link.
- Audit logs — exportable logs of every consent action, every send, every reply, every opt-out — for periodic compliance review.
- TILA-RESPA timing — initial disclosures auto-trigger within the 3-business-day window from application receipt.
- Equal Housing Lender messaging — appended to every outbound channel where required.
- NMLS display — your NMLS appears on every outbound message and disclosure.
TCPA specifics
The Telephone Consumer Protection Act regulates how you can contact consumers via phone and text. The snapshot enforces:
- Prior express written consent — captured at form submission with auditable timestamp.
- STOP keyword — replies of STOP, UNSUBSCRIBE, QUIT, CANCEL, or END trigger suppression immediately.
- No outbound to opted-out contacts — global suppression list checked before every send.
- No autodialer to wireless without consent — every outbound number is consent-verified.
- Re-consent prompts — annual re-consent flow keeps the consent record fresh.
- A2P 10DLC registration support — the snapshot installs into 10DLC-registered numbers; we walk you through registration during onboarding.
TILA-RESPA (TRID) specifics
TRID governs the timing and content of mortgage disclosures. The snapshot enforces:
- Initial loan estimate within 3 business days — when an application is received, the snapshot fires a task to deliver the Loan Estimate within the 3-business-day window.
- Closing Disclosure 3-day waiting period — the snapshot tracks the 3-day window between CD delivery and consummation.
- Pre-qualification language — pre-qual letters explicitly state they are not commitments to lend.
- Advertising disclosures — APR vs interest rate, total fees, payment terms — all included in default templates.
What the audit log captures
Every action is logged with:
- Date + time (UTC)
- Contact ID
- Channel (SMS, email, voice, AI chat)
- Action (consent capture, message send, reply, opt-out, suppression)
- Content snapshot
- IP + user-agent at consent
- Originator (which workflow or person fired the action)
Logs are exportable in CSV or JSON for compliance review.
The mortgage snapshot — built compliant by default
Is the snapshot 'TCPA-certified'?
There's no such thing as a TCPA certification. The snapshot ships best-practice compliance defaults. Your CCO and outside counsel review whether those defaults fit your firm's specific risk posture.
Does this work with my existing A2P 10DLC registration?
Yes — we install the snapshot into your existing 10DLC-registered numbers. If you don't have 10DLC registration yet, we walk you through it during onboarding.
Do you support state-specific disclosures?
The snapshot ships with state-aware disclosure logic — when an applicant identifies a state with specific disclosure requirements (CA, NY, IL, FL, TX cover most of it), the additional disclosure appends automatically. We update the table as state rules change.
What about CFPB UDAAP concerns around AI conversations?
The AI receptionist's prompts are written conservatively — no rate quotes, no approval promises, explicit disclaimers around 'estimates' and 'subject to underwriting.' Every AI conversation is logged for review. Most firms accept the snapshot's defaults; CCOs who want stricter language can edit the prompts during install.