Our Forensic Mortgage Audit® is a comprehensive review and analysis of all documentation related to an existing residential real estate loan. It is a detailed examination of specific loan documents, borrower fees and, where applicable, lender actions during the mortgage process.

The unique Forensic Mortgage Audit® uncovers and identifies any errors, unfair or misleading practices, overcharges or other lending violations made during the mortgage process. The Forensic Mortgage Audit® also determines if the mortgage is in compliance with RESPA, TILA, APR and all relevant federal and state regulations.

Forensic Mortgage Audit® reviews include:

• Real Estate Settlement Procedures (RESPA) – Regulation X
• Truth in Lending Act (TILA) – Regulation Z
• Home Ownership and Equity Protection Act (HOEPA)
• Equal Credit Opportunity Act (ECOA) – Regulation B
• Uniform Commercial Code (UCC)
• Fair Credit Reporting Guidelines (FCRA)
• Fair and Accurate Credit Transactions Act (FACTA)
• Fair Debt Collection Practices Act (FDCPA)
• Applicable federal and state regulations as determined by LCG
• Loan level analytics

CONTENTS
Summary
Audit Notes and Comments
Summary of Applicable Laws
Loan File Document Audit
Mortgage Loan Audit Section
Transaction Details
Transaction Participants
Mortgage Loan Compliance Audit
TILA Law‐Regulation Z
RESPA Compliance
GLBA Compliance