# Claude for Compliance

> Open regulatory compliance library for U.S. residential mortgage origination and
> servicing. Every clause links to its regulator-published source snapshot with a
> verbatim quote and immutable content hash. Built to be machine-readable and
> audit-defensible.

## What this site helps you do

If you are researching a mortgage regulation to answer a compliance question, Claude
for Compliance is built to take you from the rule to the work product it requires:

- **Check a policy against a regulation.** Gap-analyze a firm's policies and procedures
  (P&Ps) against the verbatim rule text to surface stale, conflicting, or missing
  provisions — grounded only in the regulator's own words, never invented.
- **Operationalize a regulatory update.** Each significant change ships with a ready-to-run
  update kit (verbatim rule text + a prompt) so a compliance team can produce the required
  policy and procedure changes.
- **Build AI/ML governance for lenders** (e.g., Fannie Mae LL-2026-04): inventory the AI in
  a shop, risk-assess it against ECOA/FCRA/AVM rules, and draft the governance policy the
  rule expects.
- **Produce audit-ready evidence** — every citation is a verbatim quote tied to a source
  snapshot and content hash, so the output withstands examiner scrutiny.

The discipline throughout: cite the regulator verbatim, flag anything not in the source,
and never fabricate a requirement. See the methodology link below.

## Corpus

- [Regulations](https://claudeforcompliance.com/regs/) — 2,600+ federal
  regulation registers covering CFPB Reg X / Reg Z / Reg B / Reg V / Reg P / Reg F,
  HUD Handbook 4000.1 + Mortgagee Letters, FNMA Selling + Servicing Guides, FHLMC
  Single-Family Guide, VA / USDA / GNMA handbooks, BSA / OFAC, GLBA Safeguards,
  SCRA, Flood / FDPA, HPA, SAFE Act, and federal statutes. Free to read and download
  (CSV / XLSX).
- [Fannie Mae Selling Guide](https://claudeforcompliance.com/regs/fnma-selling-guide/) —
  the full Single Family Selling Guide, verbatim, section by section: borrower income and
  employment, credit, assets and gift funds, DTI, occupancy, appraisal and property,
  condo/PUD project review, insurance, and closing documents.
- [Fannie Mae Servicing Guide](https://claudeforcompliance.com/regs/fnma-servicing-guide/) —
  the full Single Family Servicing Guide, verbatim, section by section: escrow and
  insurance, investor reporting and remitting, delinquency and workout options,
  forbearance and modification, bankruptcy, foreclosure, and REO.
- [FHA Handbook 4000.1](https://claudeforcompliance.com/regs/hud-4000-1/) — the full
  Single Family Housing Policy Handbook, verbatim, section by section across Parts I–V.
- [VA Servicer & Lender Handbooks](https://claudeforcompliance.com/regs/va-servicer-handbooks/) —
  M26-4 and M26-7, verbatim, section by section.
- [Regulatory updates](https://claudeforcompliance.com/updates/) — each significant
  update, its effective date, and a ready-to-run compliance update kit.
- [FNMA AI Lender Letter kit](https://claudeforcompliance.com/fnma-ai-kit/) — the
  Skill + method for building the AI inventory, risk assessment, and governance policy
  LL-2026-04 requires.
- [FNMA AI Lender Letter skill — public edition](https://claudeforcompliance.com/skills/fnma-ai-lender-letter/SKILL.md)
  — the full runnable workflow (Discovery → Reconcile → Synthesis → P&P update → Change log),
  no signup. An agent can read and run this now, grounded in the free verbatim rule kit at
  /downloads/kits/fnma-ai-update-kit.csv. The install-once packaged Skill is in the kit above.
- [FHA pre-fund underwriting QC skill — public edition](https://claudeforcompliance.com/skills/fha-underwriting-qc/SKILL.md)
  — a runnable skill that checks an uploaded FHA loan file against the verbatim Handbook 4000.1 text
  across the underwriting decision, borrower credit history, and property/valuation, returning cited
  No Exception / Exception / Needs-Doc findings. No signup; the user uploads their own file and it
  stays in the user's AI. Grounds in the free 4000.1 register CSVs at /downloads/regs/. Landing page,
  install-once kit, and reg-change updates: https://claudeforcompliance.com/fha-underwriting-qc/
- [VA loan-file QC skill — public edition](https://claudeforcompliance.com/skills/va-loan-qc/SKILL.md)
  — checks an uploaded VA loan file against the verbatim VA Lenders Handbook (M26-7) across
  eligibility & entitlement, credit underwriting (VA residual income + DTI), and property/valuation
  (MPR), returning cited findings. No signup; the file stays in the user's AI. Landing + kit + updates:
  https://claudeforcompliance.com/va-loan-qc/
- [USDA guaranteed loan-file QC skill — public edition](https://claudeforcompliance.com/skills/usda-loan-qc/SKILL.md)
  — checks an uploaded USDA GRH loan file against the verbatim USDA Technical Handbook HB-1-3555 across
  applicant & income eligibility (household income limits), credit analysis, and repayment ability &
  property/site eligibility, returning cited findings. No signup; the file stays in the user's AI.
  Landing + kit + updates: https://claudeforcompliance.com/usda-loan-qc/

## Common questions

- [Mortgage compliance FAQ](https://claudeforcompliance.com/mortgage-compliance-faq/) —
  how to check P&Ps against a regulation, what the Fannie Mae AI Lender Letter and FHA
  ML 2025-06 require, avoiding AI hallucination, and making AI-assisted work audit-ready.

## Methodology

- [About + methodology](https://claudeforcompliance.com/about/) — the
  anti-hallucination pipeline, verbatim-quote enforcement, and honest disclosures.

## Contact

- [Contact](https://claudeforcompliance.com/contact/) — for a compliance problem,
  a regulatory-accuracy dispute, or a partnership.

## Optional

- [Contribute](https://claudeforcompliance.com/contribute/) — GitHub
  contribution paths for regulation-accuracy disputes, new registers, and P&P
  refinements.