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mortgage-compliance

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Enforces mortgage regulatory compliance — TRID, RESPA, TILA, ECOA/Fair Lending, state licensing, required disclosures, and data privacy rules for all borrower interactions.

plugins/mortgage/skills/mortgage-compliance/SKILL.md

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# 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

1. Enforces TRID (Loan Estimate timing, tolerance thresholds, Closing Disclosure requirements)
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