davepoon/mortgage-compliance
plugins/mortgage/skills/mortgage-compliance/SKILL.md
Enforces mortgage regulatory compliance — TRID, RESPA, TILA, ECOA/Fair Lending, state licensing, required disclosures, and data privacy rules for all borrower interactions.
$ install --global
skillsauthnpx skillsauth add davepoon/buildwithclaude mortgage-complianceInstall this skill globally with one command. Works with Claude Code, Cursor, and Windsurf.
Security Scan Results
3 of 9 scanners reported clean
Some scanners were skipped, did not run, or reported a non-clean status. Review each row below.
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9
Scanners in report
Clean
TrivyContainer and dependency vulnerability scanner
95%
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SemgrepStatic code analysis for vulnerabilities
95%
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mcp-scan (Snyk)Model Context Protocol security validation
95%
Skipped
Snyk (dep)Open source security scanning
50%
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Socket.devSupply chain security analysis
50%
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VirusTotalMulti-engine malware detection
50%
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CrowdStrikeAdvanced threat intelligence
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OSV-ScannerOpen Source Vulnerability database check
50%
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OWASP Dep-Check
50%
Last scanned: May 18, 2026, 2:33 AM352.5s1 file scanned
SKILL.md
- 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
- Enforces TRID (Loan Estimate timing, tolerance thresholds, Closing Disclosure requirements)
- Prevents RESPA Section 8 violations (kickbacks, referral fees, unearned fees)
- Ensures TILA compliance (APR disclosure, right of rescission, advertising rules)
- Enforces ECOA / Fair Lending (prohibits questions about protected classes)
- Validates state licensing (10 licensed states with specific license numbers)
- Manages required disclosures at initial contact and quote presentation
- 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
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