Regulatory Compliance
FCRA. FACTA. TRID. Red Flags. All Handled Automatically.
Credit Technologies automates the complex web of mortgage compliance requirements — from Risk-Based Pricing Disclosures to Red Flag identity theft prevention — so your team can focus on closing loans instead of chasing regulations.
- FCRA/FACTA Automated
- TRID Compliant
- Red Flag Detection
- Audit-Ready
What’s Included
Turn-Key Compliance for Every Regulation That Matters
More than 2 million entities must comply with identity theft prevention rules under FACTA Section 114 alone. Credit Technologies handles it all — automatically, in your company name, with full audit documentation.
FACTA Compliance Service (FCS)
Automates Risk-Based Pricing Disclosures, Notice to Home Loan Applicant, and Consumer Score Disclosures — all processed and mailed in your company name with your return address.
EasyFACTA℠ & Red Flag
Part of the Comply suite — a turn-key solution for FNMA LQI, Red Flag identity theft prevention, and all FACTA-required disclosures. Detect and prevent identity theft automatically.
TRID Pricing Compliance
Configure your TRID pricing election to ensure credit report fees comply with 12 C.F.R. § 1026.19(e)(2)(i)(A) — restricting pre-Loan Estimate fee collection to reasonable credit report fees only.
Automated Disclosure Mailing
All disclosures are printed, mailed individually under separate cover per RBPD rules, and documented. Joint applicants receive individual disclosures as required — no combining allowed.
Compliance Certificates
Receive a Compliance Certificate for every loan — proof that all FACTA disclosures were processed. Complete audit reports available for State, Lender, or CFPB examination.
Comparative Score Studies
Each RBPD includes the decisioning credit score plus a comparative study showing how the consumer’s score relates to others using the same scoring model — as required by federal law.
How It Works
Compliance on Autopilot
Pull a Credit Report
When you order a credit report through your portal, compliance processing is triggered automatically based on your account configuration.
Disclosures Generated & Mailed
FACTA-required notices, RBPD calculations, and score disclosures are generated and mailed individually to each applicant — in your company name, under separate cover.
Red Flag Monitoring Active
EasyFACTA℠ screens for identity theft indicators per FACTA Section 114 rules — alerting you to potential Red Flag matches as part of the standard workflow.
Certificate & Audit Trail
A Compliance Certificate is issued for your records. A complete audit report with proof-of-mailing details is available at any time for regulatory examination.
Included: TRID Pricing
TILA/RESPA Integrated Disclosure Compliance
Under TRID regulations, you cannot collect any fee other than a reasonable credit report fee prior to issuing the Loan Estimate. Credit Technologies offers a TRID Pricing Election that ensures your account is configured correctly — with immediate confirmation and account update within 72 hours.
- TRID Pricing Election configured through your portal account
- Ensures compliance with 12 C.F.R. § 1026.19 fee collection rules
- CROA-covered services (rescoring, credit analysis) properly excluded
- Immediate email confirmation with account update within 72 hours
- Adjust Loan Estimate and Closing Disclosure forms to reflect new costs
Related Service
Comply+ Fraud Detection Suite bundles compliance automation with pre-close Refresh Reports, Level One Authentication, and OFAC screening — all managed through your portal.
Ready to Automate Your Compliance Workflow?
Join 15,000+ mortgage professionals who trust Credit Technologies for turn-key FCRA, FACTA, TRID, and Red Flag compliance — automated disclosures, audit-ready documentation, zero manual work.