Strategic Compliance Solutions for the Modern Mortgage Industry

In today’s financial landscape, mortgage brokers, non-bank lenders, and community banks face a daunting reality: you are held to the same BSA/AML standards as the nation’s largest “Financial Institutions.” Yet, many companies lack the dedicated infrastructure to bridge the gap between regulatory expectations and operational reality.

Why Partner with Mortgage Compliance Group?

MCG provides a sophisticated Compliance Management System (CMS) designed to protect your license, your reputation, and your bottom line — without the overhead of a full-time executive.

You’ll get:

  • Examiner-Level Insight: Led by J.P. Ciudad (CFE, CAMS), our solutions are built on over 25 years of experience, including tenures as an examiner for the FDIC and AZDIFI.

  • Cost-Effective Leadership: Access an outsourced Chief Compliance Officer (CCO) for a fraction of the cost of a full-time hire, typically saving you over $100,000 annually in salary and benefits.

  • Scalable Frameworks: Whether you are a sole proprietor or a growing regional lender, our programs scale with your volume and budget.

  • Immediate Activation: Unlike a 90-day onboarding for new hires, MCG provides immediate program assessment and activation.

Our Core Compliance Services

BSA/AML Program Design & Maintenance

We build “exam-ready” programs centered on the Four Pillars of federal regulation:

  1. Designated Compliance Officer: Accountability for program design and risk assessments.

  2. Internal Controls: Tailored policies for Custom Identification Programs (CIP) and Suspicious Activity Reporting (SAR).

  3. Annual Employee Training: Role-specific training for loan officers and operations staff.

  4. Independent Testing: Periodic, risk-based testing to meet stringent regulatory requirements.

Regulatory Examination Management

Don’t wait for a crisis to prepare. We manage the entire lifecycle of a regulatory examination, from pre-exam documentation audits to post-exam remediation.

  • Loan File Pre-Review: We identify and remediate documentation gaps before the examiner arrives.

  • Consumer Compliant Resolution: Proactive management of CFPB and state portal complaints.

  • HDMA LAR Accuracy: Data error prevention to avoid common examination findings.

Policy, Marketing, & Fair Lending

  • Full Regulatory Coverage: Policy development for RESPA, TILA, HDMA, ECOA (Reg B), and the CRA.

  • Digital Content Audits: Social media and website reviews to ensure all marketing meets current standards.

  • Orphaned Webpage Sweeps: Identifying legacy non-compliant content you may not know exists.

Ready to Secure Your Future?

Build a Compliance Management System that serves as a competitive asset, not a burdensome cost center.

Fill out the form to contact Mortgage Compliance Group!

Secure. Compliant. Reliable.