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Tag: escrow analysis

1 article tagged “escrow analysis”
Compliance

The Annual Escrow Analysis Under Reg X 1024.17: Aggregate Accounting, the Two-Month Cushion, and the Explanation the AI Servicing Agent Owes the Borrower

Escrow analysis is where servicing math meets borrower incomprehension, and where a small computational error at the servicer produces a large volume of borrower calls the agent has to answer accurately. Reg X 1024.17 sets the aggregate-accounting method, the two-month cushion limit, and the shortage/surplus/deficiency rules the analysis has to produce. The intake the agent runs so a borrower gets the actual explanation the analysis warrants, and so the servicer does not create an error under its own rule.

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