8 AI skill files built around federal mortgage compliance law. Every output comes pre-wired with the guardrails your regulator expects to see.
One-time purchase · Lifetime access · Works with Claude, ChatGPT, or any AI
The problem
Fannie Mae LL-2026-04 (April 2026) requires a written AI governance framework. This skill generates one for your business — sole LO, broker, or small mortgage business.
Adverse action notices are legally required within 30 days under ECOA/Reg B. A missing element is a CFPB violation. This skill includes every required field.
A casually worded rate email can trigger TILA advertising requirements. The pre-send audit checks every AI draft before it becomes a compliance problem.
What's inside
Upload each file into Claude Projects or a ChatGPT GPT. The compliance guardrails activate automatically every time you use that workspace.
Plain-English pre-approval letters from underwriting output. No rate lock promises, no LE format, no protected-class references. NMLS ID required on every output.
ECOA/Reg B adverse action notices with all required elements: specific denial reasons, ECOA nondiscrimination statement, FCRA credit-report disclosures, HMDA code mapping, 30-day deadline flag.
Rate-movement outreach with TILA advertising guardrails built in. No specific rate quotes without APR, no urgency language, no forward-looking rate predictions.
Stage-by-stage borrower emails for all 9 loan stages — application receipt through closing confirmation. No timeline promises, no LE/CD figures in the email body.
Loan Estimate and Closing Disclosure companion explainers for borrowers. Explains every payment component, APR vs. rate distinction, and flags prepayment penalties and balloon payments prominently.
Past-borrower outreach with CAN-SPAM, GLBA, and UDAAP compliance baked in. No unverified savings claims, no urgency language, no specific rate quotes without TILA disclosures.
Generates a written AI use policy structured around all six mandatory elements of Fannie Mae Lender Letter LL-2026-04 (April 2026): model risk management, data governance, fair lending monitoring, human oversight, third-party AI risk, and documentation. Scaled to your shop — sole LO, broker, or small lender.
Pre-send compliance checklist for any AI-drafted communication. Checks TILA advertising issues, RESPA Section 8 red flags, ECOA/Fair Housing language, UDAAP violations, GLBA NPI exposure, CAN-SPAM requirements, and Fannie Mae LL-2026-04 AI oversight. Returns a CLEAR TO SEND / SEND WITH REVISIONS / DO NOT SEND verdict.
Full-color guide with copy-paste input fields for every skill, setup instructions for Claude and ChatGPT, and a regulatory reference table covering all 13 federal laws in this toolkit.
How it works
In Claude: create a Project and upload the .md file as context. In ChatGPT: paste into your GPT instructions. One project per skill for cleanest results.
Each skill has a structured input template in the Quick-Start Guide. Provide borrower details and context — the AI handles the rest with guardrails active.
Every output is stamped as an MLO-review-required draft. Edit, approve, and send. Run Skill 08 on any output before it goes to a borrower.
Who this is for
No compliance team. No legal counsel on retainer. These skills give you a structured compliance layer without the overhead.
Already using AI for client communications? This toolkit formalizes that into a documented, Fannie Mae-aligned workflow.
Give every originator on your team the same compliance-first AI workflow and a written AI policy you can show an examiner.
Not for: mortgage servicers, large institutional lenders, or anyone looking for software — this is structured AI instruction files, not an app.
FAQ
8 skill files · PDF guide · Lifetime access
Less than the cost of one CFPB complaint response letter.
Get Instant Access — $79One-time purchase · Lifetime access · Works with Claude, ChatGPT, or any AI
For licensed mortgage loan originators. Not legal advice. All outputs require MLO review before sending.