Verified Agent Skill record

mortgage-compliance

Describes a mortgage regulatory compliance layer prompt intended for borrower interactions involving lending, rates, fees, qualifications, or loan terms. Lists TRID, RESPA Section 8, TILA, ECOA/Fair Lending, state licensing, required disclosures, and data privacy rules, though no enforcement mechanism is evidenced.

Tasks

Present a rate quote or fee estimate to a borrower
Answer questions about qualification, approval, or loan terms
Handle borrower data and privacy concerns
Verify state licensing before quoting

Inputs

Borrower questions about lending, rates, fees, qualifications, or loan terms
Rate quote or fee estimate requests
State context for licensing verification before quoting

Outputs

Responses to lending-related borrower inquiries shaped by the skill's compliance-layer prompt

Limitations and checks

Described as a compliance layer but no evidence of a verified enforcement engine; statements like ensuring every response complies lack mechanism proof
No evidence that the skill actually validates licenses; state coverage is described as 10 licensed states without dynamic checking
No implementation evidence for disclosure management, TRID timing/tolerance checking, or real-time PII redaction despite being listed as capabilities
Compliance scope may be materially incomplete for real mortgage regulation (e.g., HMDA, QM/ATR, state-specific disclosure laws) yet the skill presents itself as a strict comprehensive compliance layer
Privacy protection claims such as SSN/DOB prohibition in chat are asserted without evidence of actual data handling or filtering mechanisms
Installation does not demonstrate regulatory effectiveness; no verifiable link between install commands and functional compliance capabilities
Confirm that any rate quote or fee estimate output reflects the skill's listed TRID references (12 CFR 1026.19(e), (f)) without claiming verified enforcement
Verify the skill does not assert dynamic license validation beyond the 10 hardcoded licensed states described