Stop cutting and pasting regulations together, and start mitigating your risk.

Broker? Correspondent? Mini-C? TCS Quality Control Policies are customized to your business, and written so that a beginner or seasoned veteran can understand. Let us create an efficient and powerful QC policy, and you'll be free to focus on the most important part of your business -- SALES. However, the best quality control policies are only as good as their implementation. That's why all TCS products include both in-house and online training for your employees.

Compliance Management Systems

No matter your compliance management needs, we have a package tailored to suit.

Level 1: Broker - Our most affordable compliance management package includes all of our core services, including QC policy review and updates, online training, and in-house training for your Quality Control Officer.

Level 2: Mini-Correspondent - The Mini-Correspondent package includes all features of the Broker package, but also adds in great features like expanded online training, compliance training for your employees, company site compliance audits, and a practice audit and review.

Level 3: Correspondent - For the ultimate in compliance management, our Correspondent package bundles everything from the Broker and Mini-Correspondent packages with quarterly file audits* to ensure your company's documents, employees, and websites are in full compliance with Federal and state regulations.

Image: The Compliance Shop, Products

TCS Quality Control Policies include:

  • Originators, Processors & Closers QC responsibilities
  • Audits & QC Review Procedures
  • Fair Lending
  • Anti-Money Laundering/ Bank Secrecy Act
  • Equal Credit Opportunity Act (ECOA)
  • Risk-Based Pricing Notice & ECOA Disclosures
  • Identity Theft Policy/ Red Flag Policy
  • Truth in Lending Act w/ Closed-End Advertising (TILA)
  • Mortgage Disclosure Improvement Act (MDIA)
  • Home Ownership and Equity Protections Act (HOEPA)
  • Section 35 and 32 Loans
  • Unfair, Deceptive, or Abusive Acts or Practices (UDAAP)
  • Real Estate Procedures Act (RESPA)
  • TILA-RESPA Integrated Mortgage Disclosure (TRID)
  • Changed Circumstances
  • Kickbacks and Unearned Fees
  • Secure and Fair Enforcement for Mortgage Licensing (SAFE)
  • SAFE Act Policy
  • SAFE - Third Party Vendor Compliance
  • Gramm-Leach-Bliley Act (GLBA)
  • GLBA Act Policy
  • Home Mortgage Disclosure Act (HMDA)
  • Homeowner's Protection Act
  • Internet & Data Security
  • Mortgage Acts & Practices Advertising (MAP) Reg N
  • Social Media
  • Ability-to-Repay (ATR) and Qualified Mortgages (QM)
  • Consumer Complaints
  • Ethics

Image: Anti-Money Laundering, The Compliance ShopWebinar Training

Under new federal training, any employees involved in processing of residential mortgage loans must complete annual training. This includes processors, underwriters and support staff. If you have a large number of employees that need to complete their federally required training, why not ensure they all complete the training at once with our webinar series? With room for up to 100 people at once, we can accommodate your entire staff.

Image: File Auditing, The Compliance ShopFile Auditing

Fannie, Freddy and FHA requires 10% of your files to be audited by a 3rd party vendor. TCS has now begun providing this service for clients. Whether you have 5 files or 50, we have auditors ready to review each file and provide you with a complete report.

Last modified: Wednesday, 30 March 2016, 2:31 PM