Pioneers in outsourcing solutions for residential mortgage compliance!
Lenders Compliance Group®
Creating a Culture of Compliance®
MEMBER OF NATIONAL ORGANIZATIONS
ABA | MBA | NAMB | AARMR | MISMO | ARMCP | ALTA | IIA | ACAMS | MERSCORP
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Compliance Solutions - Complete List!
Advertising Compliance
Advertising and Marketing Compliance
Individual or bulk reviews of advertisements and marketing campaigns.
Compliance Reviews
- Mortgage Acts and Practices – Regulation N (MAP)
- TILA – Regulation Z
- RESPA – Regulation X
- ECOA – Regulation B
- SAFE Act – Regulations G & H
- UDAAP
- Reverse Mortgages
- Portfolio Products
- Applicable State Laws
AML Compliance: Test, Train, Program, Risk Assessment
Anti-Money Laundering Testing
Nonbanks and Bank Mortgage Divisions
Testing annually is recommended, but not later than every eighteen months.
An audit of the AML Program must be conducted either internally or
by an external auditor, entirely independent of the company’s BSA/AML Officer.
Also available:
- Anti-Money Laundering Program – Written Policy
- Anti-Money Laundering Program – Training
- Anti-Money Laundering Program – Risk Assessment
Continuous Compliance™
Applications
Comprehensive compilation and submitting of these applications:
- Fannie Mae Seller/Servicer
- Freddie Mac Seller/Servicer
- Ginnie Mae Issuer.
Audits & Reviews
We offer a full suite of cost-effective regulatory compliance audits and reviews.
Business Continuity Compliance
Business Continuity Audits and Plans.
We offer a Business Continuity Audits and Plan to fit your needs and budget.
As a critical and necessary policy and procedure, you must be able to identify, mitigate, manage, and restore potential or actual interrupted business services. Risks of not having a targeted business continuity audits or a BCP include, but are not limited to, regulatory risk, legal risk, credit risk, strategic risk, and operational risk. Every BCP should also contain a pandemic response. Most recently, the COVID-19 Pandemic Response must be added to the business continuity initiatives.
Compliance Tune-Up®
Examinations
Licensing
We coordinate the process of qualifying to conduct business in each state, acquiring name or assumed name approval, appointing Resident Agents, obtaining the necessary Surety Bonds for licensing, and completing the license application itself. Our licensing group is trained to handle all licensing involved, including renewals, mergers, acquisitions, home/branch address, FHA/VA, and principal ownership change.
Monitoring
Platform Development
Policies and Procedures
Quality Control
Auditors evaluate each sampled loan file to determine whether the file meets applicable agency and program guidelines including, but not limited to: Fannie Mae, Freddie Mac, FHA, VA, USDA/RHS, FHLB, HECM, HELOCs, Portfolio.
Reviews
Risk Assessments
Training
Internal Audit
Internal auditing is an independent, objective assurance and consulting activity designed to add value and improve an organization’s operations. It helps an organization accomplish its objectives by bringing a systematic, disciplined approach to evaluate and improve the effectiveness of risk management, control, and governance processes.
- Internal Audits, known by regulators as Third Line of Defense.
- Internal Audit Scope: Comprehensive within Compliance Management System.
- Our Internal Audit:
- Full business, GSE-compliant, compliance review
- End-to-end evaluation from these levels:
- Transactional,
- Organizational,
- Third-parties, and
- Findings:
- Identify potential risks and violations
- Offer opportunity to remediate
- Provide guidance to mitigate risk
- Reveal risk profile
- Risk Rating
Cybersecurity Program
A cyber security program is a documented set of an organization’s
information security policies, procedures, guidelines, and standards.
The security program should provide a roadmap for effective
cybersecurity security management practices and controls
Fair Lending, HMDA, CRA
FAIR LENDING, HMDA, CRA
All Analytics
Fair Lending Initiatives
Disparity Analysis
Comparative File Reviews
Supervised by Directors