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Federal Compliance Policy Manual
Updated July 18, 2011!

Product Code: PPM-FC

Mortgage compliance requires lenders to adhere to mortgage laws administered by HUD, the Federal Reserve and other financial regulators. Non-compliance with these regulations can result in lawsuits, legal fees, fines, buybacks and more. The best offense is to make sure your staff understands these laws and what it takes to comply with them.

AllRegs, in a continued effort to help save you time, increase productivity and maintain compliance with these agencies, offers the Federal Compliance Policy Manual. It’s the law—and spelled out clearly in an understandable format for everyone in your organization. The 12 federal regulations in the manual are:

1. Equal Credit Opportunity Act (ECOA) UPDATED!
2. Fair Housing Act (FHAct)
3. Fair Credit Reporting Act (FCRA) UPDATED!
4. Fair and Accurate Credit Transactions Act (FACTA)
5. Flood Disaster Protection Act
6. Home Mortgage Disclosure Act
7. Homeowner’s Protection Act (HPA)
8. Real Estate Settlement Procedures Act (RESPA)
9. Servicemembers Civil Relief Act
10. Mortgage Disclosure Improvement Act (MDIA)
11. Truth in Lending Act (Regulation Z)
12. Higher Priced Mortgage Loans (HPML)

Each chapter includes:

• Summary of the Regulation
• Definitions
• General Requirements
• Forms & Disclosures
• Prohibited Actions
• And more…

Logically organized and ready for personalization, you can quickly have your own comprehensive Federal Compliance Policy Manual in place. What’s more – you can incorporate your internal steps and forms within each regulation. Read below to learn about product benefits, the Table of Contents and take a peek at selected pages.

Federal Compliance Policy Manual Benefits

The plan features the following benefits:

• Comprehensive Federal Compliance Policy Manual, saving you development time and resources
• Features 12 federal regulations, all spelled out clearly in an understandable format for everyone in your organization
• Each chapter includes Summary of the Regulation, Definitions, General Requirements, Forms & Disclosures, Prohibited Actions and more
• A 74-page plan template is delivered via email within one business day after purchase
• Formatted in an editable MS Word document
• Ability to personalize the plan or manual with your company brand by performing a simple find and replace function
• Customizable by you, with your internal policies and procedures
• Ability to add, delete and update your plan to suit the business or operations model of your organization
• Meet your regulatory or internal operations requirements
• Affordable one-time purchase fees

Easily enhance your employee experience by publishing your manual in AllRegs Online. Your staff can access and search your manual in the same application that they access their AllRegs underwriting guidelines and state and federal regulations. To learn more, call (800) 848-4904.

Your Plan in Place:

AllRegs’ Policy and Procedure Manuals have a dual purpose. They are certainly designed for internal use and implementation within your organization. However, many groups or agencies may inquire whether you have a particular plan in place. Click here to compare the implementations and uses of AllRegs Policy and Procedure Manuals.

How it Works:

When you place your order, we will deliver the AllRegs Federal Compliance Policy Manual to you in an editable MS Word document, ready for your company’s personalization and customization. An illustrative guide is included that explains how to add, delete and update your plan to suit the business model of your organization.

When purchasing AllRegs’ Policy and Procedure Manuals, you must agree to the License Agreement. The AllRegs’ Federal Compliance Policy Manual cannot be shared or sold.

Note: Changes occur from time to time with the document templates. Updates are not provided to these documents after purchase unless the Policy Manual Maintenance Plan is purchased. They are purchased “as is” at the time of sale.

Why You Need It:

• Mortgage compliance requires lenders to adhere to the law. With the Federal Compliance Policy Manual, you’ll have 12 federal regulations spelled out clearly in an understandable format for everyone in your organization.
• Stretch your budget! When you start with our Federal Compliance Policy Manual you build on a solid foundation, eliminating the need to start from scratch or outsource your work.
• Reduce your internal resources’ time allocation on creating policy and procedure manuals. You’ll save time and staff efforts when you implement our Federal Compliance Policy Manual created based on industry best practices.

What's Included:

There are 12 sections in the AllRegs Federal Compliance Policy Manual:

1. Equal Credit Opportunity Act (ECOA) UPDATED!
2. Fair Housing Act (FHAct)
3. Fair Credit Reporting Act (FCRA) UPDATED!
4. Fair and Accurate Credit Transactions Act (FACTA)
5. Flood Disaster Protection Act
6. Home Mortgage Disclosure Act
7. Homeowner’s Protection Act (HPA)
8. Real Estate Settlement Procedures Act (RESPA)
9. Servicemembers Civil Relief Act
10. Mortgage Disclosure Improvement Act (MDIA)
11. Truth in Lending Act (Regulation Z)
12. Higher Priced Mortgage Loans (HPML)

View the full Table of Contents »

View Sample Pages »

Authors

Special thanks to Bankers Advisory, Inc. for developing the Federal Compliance Policy Manual. Bankers Advisory, Inc. is a Massachusetts-based audit & consulting company specializing in mortgage banking compliance and quality control. The firm was founded in 1986 by Anna DeSimone, a nationally known author and compliance expert.

Stay Current with the Policy and Procedure Manual Maintenance Plan

When you have your AllRegs Policy Manual template customized and implemented within your company, ensure your manual is always current and up to date with the AllRegs Policy Manual Maintenance Plan. You’ll receive one guaranteed update during the year and additional updates as federal regulations or best practices change and affect your plan. Subscribe now for only $95 per year for each manual in your library. For more details, click here. To add this to your purchase today, choose “Yes” for the Maintenance Package when adding this product to your cart.

Pro-Publishing

Pro-Publish your manual, including your company procedures, in AllRegs Online as an upgrade to your complete policy manual solution. Ask us how!

Fees and Fulfillment

The Federal Compliance Policy Manual is available for a one-time fee of $895 per company. Agreement to our License Agreement is required, and the template cannot be shared or sold. After you place your order, you will receive the document via email within one business day.

For more information, call our sales and customer service department at (800) 848-4904 or email sales@allregs.com.