MESSAGE FROM
MICHAEL BARONE
DIRECTOR/LEGAL AND REGULATORY COMPLIANCE



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COMPLIANCE MANAGEMENT SYSTEM

Advertising & Marketing: Federal and State Guidelines

Affiliated Business Arrangements: Reviews, Agreements, Audits

Annual and Quarterly Reports: Reviews, Process, Maintain

Anti-Money Laundering Program, Training, Testing

Anti-Predatory Lending: Audits, Policies, Procedures

Bank Secrecy Act and Anti-Money Laundering Reviews

Business Continuity Policy and Procedures

Branch Activations and Terminations: Procedures

Business Models: Policies, Procedures, Agreements

Closing and Funding: Procedures

CFPB Examination Readiness

Co-Brokerage Affiliations: Procedures, Agreements

Community Reinvestment Act (CRA): Audits, Policies, Procedures

Customer Information Program (CIP)

Default Reviews: Audits, Legal Remedies

Delinquencies, Repurchases and Foreclosures: Audits, Legal Remedies

Disclosures (Federal and State)

Due Diligence and Quality Assurance Reviews

Early Payment Defaults: Audits, Legal Remedies

Expert Witness Engagements

Fannie/Freddie - Seller/Servicer Applications

FDCPA – Reviews and Procedures

Federal Agency Audits and State Banking Examinations

Ginnie Mae Issuer Applications

High Cost Loans and Subprime: Audits, Policies, Procedures

HMDA: Audits, Policies, Procedures

HUD/FHA and VA Guidelines

Identity Theft Prevention Program

Lender / Broker Relationships: Policies, Procedures, Agreements

Lender Service Agreements: RESPA Compliance

Licensing: Mortgage Bankers and Mortgage Brokers (Nationwide)

Loan Level Analytics: All Regulations and Disclosures

Loan Level Compliance Reviews

Loan Origination Compensation

Loss Mitigation and Loan Modification Procedures

Market Service Agreements: RESPA Compliance

Mortgage Fraud: Audits, Legal Remedies

Mortgage Quality Control Audits

Non-Traditional Mortgages: Policies, Procedures, Audits

Originating, Operations, Processing, and Underwriting: Procedures

Pipeline Management: Procedures

Privacy and GLBA Guidelines

Policies and Procedures

Quality Assurance Reviews

RESPA-Compatible Affiliation Agreements

SARBOX: Part 404 Support

Secondary Market: Policies and Procedures

Section 32 Loans: Audits, Policies, Procedures

Servicing and Interim Servicing: Procedures

Shipping and Delivery: Procedures

State Banking Department Audits and Examinations

State Banking License Applications and Renewals

State Loan Officer License Applications and Renewals

Training: Regulations, Guidelines, Loan Originator Courses

Website: Regulatory Compliance Reviews


Advertising & Marketing: Federal and State Guidelines 

Affiliated Business Arrangements: Reviews, Agreements, Audits

Annual and Quarterly Reports: Reviews, Process, Maintain

 Anti-Money Laundering Program, Training, Testing

Anti-Predatory Lending: Audits, Policies, Procedures

Bank Secrecy Act and Anti-Money Laundering Reviews

Business Continuity Policy and Procedures 

Branch Activations and Terminations: Procedures

Business Models: Policies, Procedures, Agreements

CFPB Examination Readiness

 Closing and Funding: Procedures

Co-Brokerage Affiliations: Procedures, Agreements

 Community Reinvestment Act (CRA): Audits, Policies, Procedures

 Customer Information Program (CIP)

 Delinquencies, Repurchases and Foreclosures: Audits, Legal Remedies, Default Reviews

 Disclosures (Federal and State)

 Due Diligence and Quality Assurance Reviews

 Early Payment Defaults: Audits, Legal Remedies

 Expert Witness Engagements

 FDCPA – Reviews and Procedures

 Federal Agency Audits and State Banking Examinations

 High Cost Loans and Subprime: Audits, Policies, Procedures

 HMDA: Audits, Policies, Procedures

 HUD/FHA and VA Guidelines

 Identity Theft Prevention Program

 Lender / Broker Relationships: Policies, Procedures, Agreements

 Lender Service Agreements: RESPA Compliance

 Licensing: Mortgage Bankers and Mortgage Brokers (Nationwide)

 Loan Level Analytics: All Regulations and Disclosures

 Loan Level Compliance Reviews: RESPA, TILA, HMDA, HOEPA

 Loss Mitigation and Loan Modification Procedures

 Loan Originator Compensation

 Market Service Agreements: RESPA Compliance

 Mortgage Fraud: Audits, Legal Remedies

 Mortgage Quality Control Audits

 Non-Traditional Mortgages: Policies, Procedures, Audits

 Originating, Operations, Processing, and Underwriting: Procedures

 Pipeline Management: Procedures

 Privacy and GLBA Guidelines

Policies and Procedures

CAN-SPAM
Consumer Complaints
Consumer Information Disposal
Customer Information Program
Delinquency Collections
FCRA/FACTA - Prescreening
Fair Lending
Identity Theft Prevention
Information Security Plan
Internet Security
Licensing
Non-Traditional Mortgages
Quality Control
Record Retention
Right of Rescission
S.A.F.E Act
Telemarketing Rules
Licensing Compliance



 Quality Assurance Reviews

 SARBOX: Part 404 Support

 Secondary Market: Policies and Procedures

 Section 32 Loans: Audits, Policies, Procedures

 Servicing and Interim Servicing: Procedures

 Shipping and Delivery: Procedures

 State Banking Department Audits and Examinations

 State Banking License Applications and Renewals

 State Loan Officer License Applications and Renewals

 Training: Regulations, Guidelines, Loan Originator Courses

 Vendor Management Program

 Website: Regulatory Compliance Reviews