Regulatory Compliance Reviews

Clayton is a recognized leader in regulatory compliance reviews, possessing a strong expertise with loans involving possible secondary market concerns. Our comprehensive reviews examine newly closed loans and seasoned loans for compliance with all federal, state, county and municipal regulatory requirements. The reviews check for Home Ownership and Equity Protection Act (HOEPA), TILA-RESPA Integrated Disclosure (TRID) and Qualified Mortgage (QM) and Fair Lending issues. 

Servicer reviews identify issues with compliance management programs, policies and training and ensure compliance with CFPB requirements, GSE guidelines and other federal servicing regulations.

Clayton’s experienced underwriters enter loan-level data into our proprietary technology platform, which instantly identifies issues and violations for further legal review. Clayton then leverages on-staff legal resources, supplemented by outside residential mortgage compliance legal experts, to conduct independent audits and analysis and report findings.

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