Agent skill

Mortgage Compliance

by davepoon in davepoon/buildwithclaude

Enforces mortgage regulatory compliance — TRID, RESPA, TILA, ECOA/Fair Lending, state licensing, required disclosures, and data privacy rules for all borrower interactions.

MITAuto-check passedBusiness, Finance & HR

Install Mortgage Compliance

skills CLI
$ npx skills add davepoon/buildwithclaude --skill mortgage-compliance -a claude-code

Project install by default; add -g for ~/.claude/skills/.

GitHub CLI
$ gh skill install davepoon/buildwithclaude mortgage-compliance --agent claude-code

Project scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).

Manual copy
$ git clone --depth 1 https://github.com/davepoon/buildwithclaude.git skills-src && mkdir -p .claude/skills && cp -r skills-src/plugins/mortgage/skills/mortgage-compliance .claude/skills/mortgage-compliance && rm -rf skills-src

Use ~/.claude/skills/ instead of .claude/skills for a personal install. The folder must contain SKILL.md.

Claude Code skills documentation · loads skills from .claude/skills/

Facts

Skill name
mortgage-compliance
GitHub stars
3.6k
Token cost
~448 tokens
SKILL.md length
189 words
Files
1
Skills in repo
247
Repo updated
First seen
Licence
MIT

At a glance

Enforces mortgage regulatory compliance — TRID, RESPA, TILA, ECOA/Fair Lending, state licensing, required disclosures, and data privacy rules for all borrower interactions.

  • Works in 7 steps: Enforces TRID (Loan Estimate timing,… → Prevents RESPA Section 8 violations… → Ensures TILA compliance (APR disclosure,… → …
  • Tasks that involve Real estate
  • SKILL.md covers When to Use This Skill, What This Skill Does, Regulatory Frameworks and Installation
  • Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md

What it does

Mortgage Compliance is an agent skill from davepoon/buildwithclaude. Enforces mortgage regulatory compliance — TRID, RESPA, TILA, ECOA/Fair Lending, state licensing, required disclosures, and data privacy rules for all borrower interactions.

Its SKILL.md is about 450 tokens, which your agent loads only when the skill is triggered. It is a single SKILL.md file with no bundled scripts.

It sits in Business, Finance & HR, covering Real estate, Regulatory compliance and Banking and insurance. The repository describes itself as: A single hub to find Claude Skills, Agents, Commands, Hooks, Plugins, and Marketplace collections to extend Claude Code, Claude Desktop, Agent SDK and OpenClaw. The licence is MIT.

When your agent uses it

  • Tasks that involve Real estate
  • Tasks that involve Regulatory compliance
  • Tasks that involve Banking and insurance

Example prompts

  • “Use the mortgage-compliance skill to enforce mortgage regulatory compliance — TRID, RESPA, TILA, ECOA/Fair Lending, state licensing, required…”
  • “/mortgage-compliance”

Workflow steps

7 steps, taken from the first numbered list in SKILL.md.

  1. Enforces TRID (Loan Estimate timing, tolerance thresholds, Closing Disclosure requirements)
  2. Prevents RESPA Section 8 violations (kickbacks, referral fees, unearned fees)
  3. Ensures TILA compliance (APR disclosure, right of rescission, advertising rules)
  4. Enforces ECOA / Fair Lending (prohibits questions about protected classes)
  5. Validates state licensing (10 licensed states with specific license numbers)
  6. Manages required disclosures at initial contact and quote presentation
  7. Protects borrower data privacy (PII handling, SSN/DOB prohibition in chat)

What it can do on your machine

Read from SKILL.md and the folder at commit 616deb5. It shows what the files ask for, not the result of running them.

  • Tool permissions

    Pre-approves nothing: there is no allowed-tools line, so your agent's usual permission prompts apply.

    From allowed-tools in the SKILL.md frontmatter.

  • Runs code

    No scripts in the folder and no shell commands in SKILL.md.

    From the folder's file list and the shell code blocks in SKILL.md.

  • Network

    Links to these hosts (documentation or services it may open):

    • github.com

    From URLs in SKILL.md, links to its own repository left out.

  • Credentials

    Names no API keys, tokens, secrets or passwords.

    From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.

Context cost

Mortgage Compliance loads about 448 tokens when it runs. Until then it costs about 48 tokens; SKILL.md has 189 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it
~48
When it runs · the whole SKILL.md, loaded when a task matches
~448

Estimates: characters ÷ 4, the usual rule of thumb; real counts depend on the model's tokenizer. Scripts and assets cost tokens only if the agent reads them.

Safety

Auto-check passed

The automated check found no risky patterns in SKILL.md.

Automated static check — not a guarantee. Review scripts before installing. It scans the text of SKILL.md for risky patterns (piping downloads into a shell, reading credential files, hidden Unicode, destructive commands); files beside SKILL.md are not scanned.

SKILL.md

The full file from davepoon/buildwithclaude at commit 616deb5, republished under its MIT licence (© davepoon). 189 words, ~448 tokens.

Download SKILL.mdSave it as .claude/skills/mortgage-compliance/SKILL.md (or your agent's skills folder).
name
mortgage-compliance
description
Enforces mortgage regulatory compliance — TRID, RESPA, TILA, ECOA/Fair Lending, state licensing, required disclosures, and data privacy rules for all borrower interactions.
category
business-finance

Mortgage Compliance

Strict mortgage regulatory compliance layer that ensures every response touching lending, rates, fees, qualifications, or loan terms complies with federal and state regulations.

When to Use This Skill

  • Presenting any rate quote or fee estimate to a borrower
  • Answering questions about qualification, approval, or loan terms
  • Handling borrower data and privacy concerns
  • Verifying state licensing before quoting

What This Skill Does

  1. Enforces TRID (Loan Estimate timing, tolerance thresholds, Closing Disclosure requirements)
  2. Prevents RESPA Section 8 violations (kickbacks, referral fees, unearned fees)
  3. Ensures TILA compliance (APR disclosure, right of rescission, advertising rules)
  4. Enforces ECOA / Fair Lending (prohibits questions about protected classes)
  5. Validates state licensing (10 licensed states with specific license numbers)
  6. Manages required disclosures at initial contact and quote presentation
  7. Protects borrower data privacy (PII handling, SSN/DOB prohibition in chat)

Regulatory Frameworks

  • TRID: 12 CFR 1026.19(e), (f)
  • RESPA: 12 USC 2607 (Section 8)
  • TILA / Regulation Z: 12 CFR 1026
  • ECOA / Regulation B: 12 CFR 1002
  • Fair Housing Act: 42 USC 3601-3619
  • GLBA / Regulation P: 12 CFR 1016

Installation

This skill is part of the mortgage plugin. Install via:

/plugin marketplace add lendtrain/mortgage
/plugin install mortgage@mortgage

Full source: github.com/lendtrain/mortgage

© davepoon, MIT. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file

Files

Just SKILL.md in plugins/mortgage/skills/mortgage-compliance of davepoon/buildwithclaude.

Open the folder on GitHubat commit 616deb5

Compare with similar skills

Mortgage Compliance next to the 5 skills that share the most tags, products or categories with it. Stars are the repository's; “used in” counts other GitHub owners with a copy.

Mortgage Compliance compared with similar skills
SkillStarsUsed inTokensAuto-checkLicenceRepo updated
Mortgage Compliance this skilldavepoon/buildwithclaude3.6k—~448Automated safety check: PassMIT
Bacen Compliance Sentinel Rafael Mastronardilawve-ai/awesome-legal-skills847—~4.9kAutomated safety check: PassCustom licence
Master Builderibuilder/massing122—~2.6kAutomated safety check: PassMIT
Cre Industrialahacker-1/cre-agent-skills113—~1.2kAutomated safety check: PassApache-2.0
LendingJoelLewis/finance_skills206—~2.5kAutomated safety check: PassMIT
Cre Legalahacker-1/cre-agent-skills113—~1.3kAutomated safety check: PassApache-2.0

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    847 GitHub stars~4.9k tokensUpdated 8 days ago
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Questions about Mortgage Compliance

What does Mortgage Compliance do?

Enforces mortgage regulatory compliance — TRID, RESPA, TILA, ECOA/Fair Lending, state licensing, required disclosures, and data privacy rules for all borrower interactions. Mortgage Compliance is an agent skill from davepoon/buildwithclaude. Enforces mortgage regulatory compliance — TRID, RESPA, TILA, ECOA/Fair Lending, state licensing, required disclosures, and data privacy rules for all borrower interactions.

When should I use Mortgage Compliance?

Mortgage Compliance fits situations like: tasks that involve Real estate; tasks that involve Regulatory compliance; tasks that involve Banking and insurance.

How do I install Mortgage Compliance in Claude Code?

Run `npx skills add davepoon/buildwithclaude --skill mortgage-compliance -a claude-code`. Or copy the skill folder (plugins/mortgage/skills/mortgage-compliance in davepoon/buildwithclaude) into .claude/skills/mortgage-compliance in your project. Claude Code loads it when a task matches its description.

How do I install Mortgage Compliance in Codex?

Run `npx skills add davepoon/buildwithclaude --skill mortgage-compliance -a codex`. Or copy the skill folder (plugins/mortgage/skills/mortgage-compliance in davepoon/buildwithclaude) into .agents/skills/mortgage-compliance in your project. Codex loads it when a task matches its description.

Can I use Mortgage Compliance in Cursor, Gemini CLI or GitHub Copilot?

Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add davepoon/buildwithclaude --skill mortgage-compliance -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/mortgage-compliance, .gemini/skills/mortgage-compliance, .github/skills/mortgage-compliance and .opencode/skills/mortgage-compliance in your project.

What does Mortgage Compliance need to run?

SKILL.md names no scripts, command-line tools or credentials: Mortgage Compliance is instructions for the agent only.

Does Mortgage Compliance access the network?

SKILL.md names 1 domain. As links in the text: github.com. This is read from the text; nothing was executed.

Is Mortgage Compliance safe to install?

Our automated static check of SKILL.md found no risky patterns, such as piping downloads into a shell, reading credential files or hidden Unicode. It is not a guarantee. Review the folder before installing.

What licence does Mortgage Compliance use?

Mortgage Compliance is published under the MIT licence (the repository's licence). It allows redistribution, so the full SKILL.md is shown on this page.

How many tokens does Mortgage Compliance use?

About 448 tokens (SKILL.md is roughly 1.8k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full.

What are the alternatives to Mortgage Compliance?

Skills that share tags, products or a category with Mortgage Compliance: Bacen Compliance Sentinel Rafael Mastronardi (lawve-ai/awesome-legal-skills, 847 stars), Master Builder (ibuilder/massing, 122 stars), Cre Industrial (ahacker-1/cre-agent-skills, 113 stars) and Lending (JoelLewis/finance_skills, 206 stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.

Who maintains Mortgage Compliance?

davepoon (a GitHub user) maintains it in davepoon/buildwithclaude, which has 3,610 GitHub stars. The repository holds 247 skills in this directory. The repository was last updated on October 9, 2026.

Source: davepoon/buildwithclaude on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.