Menu

Mortgage Operations and Compliance

The residential mortgage world is not standing still. Loan originators, servicers, and securitizers are facing the prospect of material change in the pace, rigor, and nature of regulation and enforcement. Conditions could also become ripe for an upsurge in mergers, acquisitions, and consolidations. Technology-enabled innovation and competition will continue to revolutionize business-as-usual. The housing and loan markets have themselves become increasingly difficult to predict.

In this environment, where the only certainty is change, mortgage industry leaders find that they must confront compliance challenges more effectively at all levels. Business line operators and commercial heads of business need to address regulatory and enforcement matters on the front lines, as their compliance departments continue to perform more traditional functions. The drive is three-fold: maintain seamless operations, minimize compliance costs, and grow the business.

Treliant offers our clients compliance advice and strategic solutions on mortgage lending, servicing, and securitizing. Our risk management strategies help clients find compliant operational solutions that keep them financially competitive.

Treliant's Mortgage Operations and Compliance Advisory Services include:

Change

  • Select and Implement New Technology, Digitization
  • Strategic Benchmarking
  • New Product or Service Introductions
  • Merger and Acquisition Support: Due Diligence, Compliance Surge, Integration Support
  • Planning for Growth or Downsizing
  • Training
  • Process Mapping and Improvement

Transact

  • Loan Sales Due Diligence and Quality Control
  • Servicing Transfers
  • Company, Platform, or Branch Acquisition Planning
  • Efficient and Compliant Transaction Process Improvements
  • Trading Conduct

Comply

  • Audits, Reviews, Tests, and Risk Assessments
  • Home Mortgage Disclosure Act (HMDA) Reporting
  • Loss Mitigation Compliance and Remediation
  • Investor Requirements
  • Legal and Investigation Defense Support
  • Expert Witness Services
  • GRC Integration and Requirements Inventory
  • Regulatory Compliance Services for:
    • Fair Lending and Servicing
    • Unfair, Deceitful, or Abusive Acts or Practices (UDAAP) 
    • Real Estate Settlement Procedures Act (RESPA) 
    • Truth in Lending Act (TILA) 
    • TILA-RESPA Integrated Disclosure (TRID) 
    • Fair Credit Reporting Act (FCRA) 
    • Community Reinvestment Act (CRA) 
    • Equal Credit Opportunity Act (ECOA) 
    • Federal Reserve Regulation O 
    • Secure and Fair Mortgage Licensing (SAFE) Act 
    • Anti-Money Laundering (AML) and Office of Foreign Assets Control (OFAC) 
    • Electronic Funds Transfer Act (EFTA) 
    • Telephone Consumer Protection Act (TCPA) 
    • Servicemembers Civil Relief Act (SCRA) 
    • Flood Insurance Compliance, Including with Flood Disaster Protection Act (FDPA) 
    • Data Privacy and Security
    • Vendor Management, Including Third-Party Vendor Risk Management

Contacts