Mortgage ComplianceSAFE

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The instruction file, verbatim from the audited commit — this is the text the model reads, and the surface the audit's instruction layer examines. Quoted here so you can judge it without cloning anything.

---
name: mortgage-compliance
category: business-finance
description: Enforces mortgage regulatory compliance — TRID, RESPA, TILA, ECOA/Fair Lending, state licensing, required disclosures, and data privacy rules for all borrower interactions.
---

# Mortgage Compliance

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

1. Enforces TRID (Loan Estimate timing, tolerance thresholds, Closing Disclosure requirements)
2. Prevents RESPA Section 8 violations (kickbacks, referral fees, unearned fees)
3. Ensures TILA compliance (APR disclosure, right of rescission, advertising rules)
4. Enforces ECOA / Fair Lending (prohibits questions about protected classes)
5. Validates state licensing (10 licensed states with specific license numbers)
6. Manages required disclosures at initial contact and quote presentation
7. 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](https://github.com/lendtrain/mortgage)

SAFEgrade B · trust 89/100 Nothing in the source contradicts what it says it does. Grade A is reserved for packages that have also passed the behavioural sandbox.

What the source does

Filesystem

none-observed

Network

none-observed

Shell

none-observed

Dependencies

pinned

Secrets in source

none-found

Findings (0)

No findings outside the package's declared scope.

Gates applied: no_behavioural_pass.