Keeping abreast of the ever-changing compliance regulations issued by federal, state and local entities is a daunting task for which sever penalties can be imposed for compliance failures. At IngeltBlair, we team with Mavent to bring our clients the industry's best compliance engine. Our underwriters review each loan against applicable compliance regulations and send the relevant data points to Mavent for a secondary review. You can be certain that our dual review will ensure all loans are fully compliant with applicable regulations. Our review includes:

• Federal laws such as HOEPA and Section 32
• Over/under disclosures of APR
• Predatory lending regulations
• RESPA disclosures
• TILA / Reg Z calculations
• GSE specific tests
• Right of rescission
• State high-cost test
• State specific prepayment penalties
• Payment stream re-calculation