Fannie Mae now requires a documented AI governance framework. Most loan officers don't have one. This toolkit fixes that, and builds compliant AI workflows around the communications you send every day.What's inside: 8 AI skill files Pre-Approval Explanation Letter — plain-English borrower letters with TILA/Reg Z guardrails Denial Reason Letter — ECOA/Reg B adverse action notices with FCRA disclosures and HMDA code mapping Rate Change Client Update — rate outreach with TILA advertising rules and UDAAP guardrails built in Loan Status Updates — stage-by-stage borrower emails from application to closing confirmation Disclosure Plain-English Explainer — Loan Estimate and Closing Disclosure companion explainers for borrowers Refi Opportunity Outreach — past-borrower outreach with CAN-SPAM, GLBA, and UDAAP compliance baked in AI Governance Policy — a Fannie Mae LL-2026-04 compliant written AI use policy for your shop Client Communication Audit — pre-send compliance checklist for any AI-drafted communication Also includes: A full-color Quick-Start Guide PDF with copy-paste input fields for every skill, plus a regulatory reference table covering all 13 applicable federal laws.Works with Claude, ChatGPT, or any AI tool. Upload each skill file to a Claude Project or ChatGPT GPT and it follows the instructions automatically.Federal law throughout: TILA / Reg Z, RESPA / Reg X, ECOA / Reg B, FCRA, Fair Housing Act, HMDA, GLBA, UDAAP, Dodd-Frank ATR/QM, SAFE Act, CAN-SPAM, TCPA, Fannie Mae LL-2026-04.