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Compliance

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A Critical Compliance Tool

The Compliance Edge, DocMagic’s premium subscription resource, offers the most up-to-date compliance information available from legal analysis to the latest mortgage industry news. The latest mortgage industry laws and regulations are organized into actionable information designed to help you stay on top of compliance. The Compliance Edge is a powerful resource that Premium Subscribers rely on to reduce compliance risk, lower costs and increase operational efficiencies.

 

 

 

 

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Compliance Edge Subscription Form

The Latest Compliance Updates and Regulations

Automated Compliance

Everything from basic verifications to complex GSE, Federal and State-Specific calculations

Form Updates

Listings of newly created, modified documents and form deletions 

Investor Updates

Investor's loan programs & parameters, notes, riders and disclosures

TRID Tools

Essential TILA-RESPA Integrated Disclosure tools

 

DocMagic’s Compliance Team works alongside our software developers and forms programmers. Our systems handle TRID-compliant disclosure forms, revised delivery timelines, modified tolerance levels, and record retention requirements. Dynamic forms, data validation and compliance audits are applied for each and every loan program in our system

Compliance Matrices

Over 20 separate matrices organized by category for easy reference

 

The Compliance Edge includes matrices on over 20 topics related to mortgage lending compliance to help our clients maintain end-to-end compliance. These matrices will keep you informed on things like what state requirements are for balloon payment loans or prepayment penalty restrictions, and what states you need to have a non-owner spouse sign the mortgage or deed of trust, among other critical compliance issues.

 

High Cost Analysis

Detailed breakdown of High Cost/Anti-Predatory lending analysis

 

The High Cost/Anti-Predatory Lending Page includes the latest regulations and complete state-by-state analysis. DocMagic customers who process loan documents via our systems, benefit from automated High-Cost Tests and higher-priced mortgage loan audits to assist them with not making a high cost or higher-priced mortgage loan.

Disclosures

Federal, FHA, VA and State-Specific Disclosure matrices

 

The Compliance Edge maintains a complete section of Federal, State, FHA and VA disclosure Matrices as well as disclosure details on other topics. You'll know which disclosures need to be returned in an Application, Adverse Action, Initial, Pre-Closing and Closing Packages. The State-by-State Disclosure Matrix, in particular, is one of the most powerful tools in DocMagic's compliance toolbox.

The Compliance Edge Monthly Newsletter

The Compliance Edge Newsletter is an information resource that features regular updates and notifications of the latest legal & regulatory changes affecting the mortgage lending industry. The monthly articles, proprietary matrices, industry-leading information, and a variety of features and forums make it a critical compliance tool. We’re working to keep subscribers well-informed in advance of trending compliance issues.

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Powered by Compliance Expertise

The DocMagic Compliance Team uses a variety of methods to ensure that it not only knows the latest laws and regulations but can understand and ultimately explain how to apply them. The compliance process includes research, analysis and implementation.

 

 

Gavin headshot 

Gavin T. Ales

Gavin T. Ales is DocMagic’s Chief Compliance Officer. He has hands-on involvement in the development, implementation and maintenance of DocMagic’s compliance products and services. This includes managing DocMagic’s library of mortgage loan documents, which are used by lenders and brokers in all 50 states and the District of Columbia, monitoring legal and regulatory changes, and developing and maintaining DocMagic’s automated compliance tests and audits.

 

Research

The DocMagic Compliance Team has unlimited access to an array of respected sources. Tracking legal and regulatory changes as they happen, the Compliance Team also maintains relationships with nationally recognized banking and consumer finance attorneys as well as regularly attending conferences, writing research articles, and when necessary, soliciting opinions from state attorneys general and/or other state regulatory agencies.

Analysis

Translating research into usable information requires analysis the Compliance Team studies and evaluates the latest laws and regulations to ensure an accurate understanding of compliance requirements. In addition to our own analysis, DocMagic remains in close contact with representatives of government mortgage lending entities. This access to first-hand knowledge allows for immediate clarification to be passed along to DocMagic clients.

Implementation

Our mission is to create compliance tools and resources to help customers navigate risk, lower costs and efficiently process documents. From the Dodd-Frank Resources Page, state and federal disclosure matrices, High-Cost/Anti-Predatory Lending information to the many articles and explanations available in The Compliance Edge, complicated legal and regulatory issues have been clarified and organized into logical tools for staying compliant.