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Tag: Regulation B

4 articles tagged “Regulation B”
Mortgage

The Appraisal-Copy Rule Runs on Its Own Clock: Delivering Valuations Under ECOA 1002.14 With an AI Agent, Even When the Loan Is Denied

Regulation B 1002.14 makes a lender deliver every appraisal and written valuation to the applicant promptly upon completion, and the duty survives a denial or withdrawal. How an AI origination agent tracks valuation-completion events, delivers to the primary applicant, captures a valid waiver, and keeps the free-copy rule from turning into a fee complaint.

6 min read
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Mortgage

Conditions Clearing Is the Slowest Part of the Loan, and the Best Place to Put an AI Agent

The gap between conditional approval and clear-to-close is where cycle time goes to die. How an AI processing agent clears conditions inside the LOS without breaking the Reg B incompleteness clock or the TRID redisclosure rules.

6 min read
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Compliance

CFPB 1071 Small Business Lending and AI Agents: A Subpart B Playbook for the Firewall, the Data, and the Filing

Section 1071 added 81 data points and a firewall between demographic collection and credit decisions. How to put AI agents inside the small-business application without breaching Regulation B Subpart B.

5 min read
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Compliance

Adverse Action Notices for AI Credit Decisions: An ECOA Reg B Playbook

What CFPB Circular 2023-03 means for lenders running AI/ML credit models — how to generate specific, accurate reasons for denial under ECOA Regulation B without falling back on the sample form checklist.

4 min read
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