Provides regulatory guidance and technical specifications for building compliant U.S. mortgage servicing software.
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.
주요 기능
01Recommends bi-temporal data modeling patterns to support historical 'as-of' queries.
02Outlines data requirements for regulatory examination readiness and loan-level chronologies.
03Cites specific federal regulations and section numbers for implementation accuracy.
04Provides standardized timelines for payment crediting, error resolution, and loss mitigation.
050 GitHub stars
06Defines complex state machines for delinquency management and loss mitigation workflows.
사용 사례
01Architecting data models that maintain full temporal integrity for regulatory audits and litigation defense.
02Implementing automated loss mitigation workflows that track strict regulatory deadlines and appeal rights.
03Designing a compliant payment posting module with required audit fields and waterfall logic.
