Which mortgage regulations does this skill cover?

It provides guidance on major U.S. federal regulations including RESPA (Reg X), TILA (Reg Z), FCRA, as well as GSE/investor requirements and state-specific overlays.

How does it assist with system architecture?

It recommends specific technical patterns like bi-temporal modeling and event sourcing to ensure systems can reconstruct the state of a loan at any point in time for audit purposes.

Can it help with payment processing logic?

Yes, it defines standard payment application waterfalls and the specific timestamps and audit fields required to be defensible under regulatory examination.

Does it handle timeline management?

Absolutely. It includes critical deadlines for acknowledgment letters, error resolution, information requests, and loss mitigation evaluation periods.

How does it handle the hierarchy of different laws?

It follows a 'most restrictive' hierarchy: Federal floor → State law → Investor requirements → Contractual terms → Internal policy.

Mortgage Servicing US Compliance

Name: Mortgage Servicing US Compliance
Author: jkappers

byjkappers

Gestión de Bases de Datos

Provides regulatory guidance and technical specifications for building compliant U.S. mortgage servicing software.

Acerca de

This skill provides developers, architects, and compliance professionals with deep domain expertise in U.S. mortgage servicing regulations. It translates complex legal frameworks like RESPA (Reg X), TILA (Reg Z), and FCRA into actionable technical requirements, covering everything from bi-temporal data modeling and payment application waterfalls to loss mitigation timelines. By emphasizing 'Defensibility by Design,' it helps teams build software that is naturally prepared for regulatory examinations through robust audit trails, precise temporal integrity, and configurable business logic hierarchies.

Características Principales

Recommends bi-temporal data modeling patterns to support historical 'as-of' queries.
Outlines data requirements for regulatory examination readiness and loan-level chronologies.
Cites specific federal regulations and section numbers for implementation accuracy.
Provides standardized timelines for payment crediting, error resolution, and loss mitigation.
0 GitHub stars
Defines complex state machines for delinquency management and loss mitigation workflows.

Casos de Uso

Architecting data models that maintain full temporal integrity for regulatory audits and litigation defense.
Implementing automated loss mitigation workflows that track strict regulatory deadlines and appeal rights.
Designing a compliant payment posting module with required audit fields and waterfall logic.

Acerca de

Características Principales

Recommends bi-temporal data modeling patterns to support historical 'as-of' queries.
Outlines data requirements for regulatory examination readiness and loan-level chronologies.
Cites specific federal regulations and section numbers for implementation accuracy.
Provides standardized timelines for payment crediting, error resolution, and loss mitigation.
0 GitHub stars
Defines complex state machines for delinquency management and loss mitigation workflows.

Casos de Uso

Architecting data models that maintain full temporal integrity for regulatory audits and litigation defense.
Implementing automated loss mitigation workflows that track strict regulatory deadlines and appeal rights.
Designing a compliant payment posting module with required audit fields and waterfall logic.