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Tag: recordkeeping

1 article tagged “recordkeeping”
Compliance

How Long the Agent's Evidence Has to Live: Retention Clocks for AI Mortgage Records Under Reg B, Reg Z, and Reg C, and the Default That Deletes Your Proof

An AI agent produces the record that proves a decision was compliant, and that record is worthless if the infrastructure deletes it before the exam or the lawsuit arrives. The 25-month ECOA clock, the three- and five-year TRID clocks, the HMDA retention period, and why retention has to be keyed to the loan event rather than a storage default that outlives nothing.

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