Regulatory Compliance
Credit Technologies automates the complex web of mortgage compliance requirements — from Risk-Based Pricing Disclosures to Red Flag identity theft prevention — so your team can focus on closing loans instead of chasing regulations.
More than 2 million entities must comply with identity theft prevention rules under FACTA Section 114 alone. Credit Technologies handles it all — automatically, in your company name, with full audit documentation.
Automates Risk-Based Pricing Disclosures, Notice to Home Loan Applicant, and Consumer Score Disclosures — all processed and mailed in your company name with your return address.
Part of the Comply suite — a turn-key solution for FNMA LQI, Red Flag identity theft prevention, and all FACTA-required disclosures. Detect and prevent identity theft automatically.
Configure your TRID pricing election to ensure credit report fees comply with 12 C.F.R. § 1026.19(e)(2)(i)(A) — restricting pre-Loan Estimate fee collection to reasonable credit report fees only.
All disclosures are printed, mailed individually under separate cover per RBPD rules, and documented. Joint applicants receive individual disclosures as required — no combining allowed.
Receive a Compliance Certificate for every loan — proof that all FACTA disclosures were processed. Complete audit reports available for State, Lender, or CFPB examination.
Each RBPD includes the decisioning credit score plus a comparative study showing how the consumer's score relates to others using the same scoring model — as required by federal law.
Under TRID regulations, you cannot collect any fee other than a reasonable credit report fee prior to issuing the Loan Estimate. Credit Technologies offers a TRID Pricing Election that ensures your account is configured correctly — with immediate confirmation and account update within 72 hours.
Comply+ Fraud Detection Suite bundles compliance automation with pre-close Refresh Reports, Level One Authentication, and OFAC screening — all managed through Credit Insight.
Learn About Comply+ →Join 15,000+ mortgage professionals who trust Credit Technologies for turn-key FCRA, FACTA, TRID, and Red Flag compliance — automated disclosures, audit-ready documentation, zero manual work.