Introducing RegComplyGPT, the premier AI-powered regulatory compliance assistant tailored for mortgage professionals. RegComplyGPT enhances efficiency, helps mitigates risk, and ensures regulatory adherence, empowering compliance professionals to confidently navigate the complex landscape of mortgage regulations. Strengthen your compliance strategy with RegComplyGPT, allowing you to focus on what truly matters—serving your clients with efficiency and precision. Subscribe for news and updates to stay informed and be the first to know when new enhancements are released.

”AI is not going to take your job. It's the person who uses AI that is going to take your job.”

Warning: Please refrain from uploading non-public personal information (NPPI) or any sensitive company information into RegComplyGPT or other AI systems, as they may not be secure. Consult your IT department about deploying RegComplyGPT in a secure environment, such as the Azure OpenAI Service, to ensure the security of NPPI and sensitive company information.

AI-Assisted COMPLIANCE

Compliance Research


Submit prompts to receive comprehensive and in-depth analysis. For example, prompt RegComplyGPT for a detailed summary of the latest CFPB proposed regulations on mortgage servicing. If you'd like the analysis to focus on a specific area, such as the financial impact of the regulation, be sure to include that in your request for a more tailored response.

Document Analysis


Upload a document and prompt RegComplyGPT to deliver a detailed summary of key compliance and change management issues. For example, upload the latest HUD Mortgagee Letter and prompt RegComplyGPT for an in-depth summary and analysis, addressing all compliance and financial risks pertinent to a mortgage servicer.

Regulatory Exam Responses


Upload an examination response and request RegComplyGPT to revise it, incorporating relevant supporting details. For example, ask RegComplyGPT to review a response concerning loss mitigation, ensuring that all arguments align with CFPB servicing rules, the HUD Handbook, applicable Mortgagee Letters, and other relevant regulations.

Correspondence Assistance


Prompt RegComplyGPT to draft a letter to a consumer. For instance, request a letter notifying a borrower that their loan is not VA-insured because the originator did not meet the seasoning requirements. You can also prompt RegComplyGPT to explain any potential impacts on the borrower and outline the available options for moving forward.

RegComplyGPT SAMPLE PROMPTS

prompt refers to any text input provided by the user to an AI model. It may take the form of a question, a request, or any message intended to generate a response or action from the model. More broadly, a prompt is a general term for any user-provided input, whereas the term "query" is typically used when the input is specifically a question or a request for information.

RegComplyGPT RESPONSES

  • Summary of the CFPB's Personal Financial Data Rights Rule - View Response

    RegComplyGPT Prompt: After uploading the Notice of Final Rulemaking for the CFPB’s Personal Financial Data Rights Rule, prompt RegComplyGPT to "Summarize in detail the attached document. Focus the summary as it applies to non-bank mortgage lenders and servicers. Include the calculation of total receipts as it applies non-depository institutions, as well as the implementation dates for non-depository institutions based on total receipts.” 

  • Analysis of the Comments Submitted in Response to the CFPB's Proposed Amendments to Regulation X - View Response

    RegComplyGPT Prompt: After uploading the comments submitted by industry stakeholders, consumer advocacy groups, and state regulators/Attorneys General, prompt RegComplyGPT to "Summarize in detail (about 5,000 words) the attached comments regarding the CFPB’s proposed amendments to Regulation X. The analysis should comprehensively address areas of consensus and key points of disagreement between industry stakeholders (MBA, HPC, ABA, etc.), Freddie Mac and Fannie Mae, state regulatory agencies, attorneys general, and consumer advocacy groups.” 

  • Memorandum Regarding the CFPB’s Proposed Amendments to Regulation X - View Response

    RegComplyGPT Prompt: “Obtain the latest CFPB proposed rules for mortgage servicing and draft a memorandum from Chief Compliance Officer to General Counsel summarizing the proposed rules. Focus on the regulatory change management issues, as well as any financial implications for both consumers and servicers.” 

  • Letter to Servicing Customer Regarding VA-Insured Loan - View Response

    RegComplyGPT Prompt: Compose a letter to a servicing customer notifying them that their loan is not insured by the VA because the originating lender did not meet the required seasoning guidelines. Be sure to outline any potential impacts and provide the customer with available options. 

  • Conflicts Between the CARES Act Credit Reporting Requirements and the FCRA - View Response

    RegComplyGPT Prompt: Develop an argument asserting that the credit reporting requirements under the CARES Act conflicted with the FCRA, posed significant challenges for servicers due to system limitations, and were hindered by insufficient and unclear guidance from regulators. 

  • Complaint Oversight Committee Charter - View Response

    RegComplyGPT Prompt: Create a Complaint Oversight Committee Charter for a mortgage lender and servicer. The committee will be responsible for reviewing consumer complaints and regulatory inquiries, including those from the CFPB, to ensure timely and appropriate resolution while maintaining compliance with applicable laws and regulations.