Scattered regulatory sources
Updates may appear in regulations, official interpretations, bulletins, examination materials, program handbooks, state notices and licensing communications.
RegWatch for Mortgage Lenders
Stay ahead of mortgage lending regulatory change—without adding more manual work.
Monitor the federal, state, licensing, fair lending, disclosure, servicing, investor, privacy and cybersecurity sources your organization selects. When something changes, RegWatch helps your team understand the update, identify affected topics and organize what to review next.
No credit card required for the free monitoring account.
Regulatory change command center
TILA / Regulation Z
RESPA / Regulation X
ECOA / Regulation B
HMDA / Regulation C
SAFE Act & NMLS
State Licensing
FHA & VA Guidance
Cybersecurity & AML
Why RegWatch
Mortgage lending compliance is not one rulebook.
Requirements and guidance are spread across federal agencies, state regulators, licensing systems, housing programs, enterprise publications and security authorities. RegWatch brings the sources you select into a consistent monitoring and review process.
State-by-state licensing complexity
Multi-state lenders may need different watchlists for company licenses, mortgage loan originator requirements, renewals and state-specific operating rules.
Policies and procedures can lag
Teams need a repeatable way to connect changes with origination, fair lending, disclosures, quality control, servicing, privacy and security procedures.
Too much noise, too little context
A raw alert is not enough. Reviewers need the source, relevant dates, affected topics and a clear path for ownership and follow-up.
Monitoring Coverage
Build a watchlist around how your mortgage business actually operates.
Select the jurisdictions, channels, products, licenses and program sources that matter to your organization. Expand or refine coverage as your footprint and obligations change.
Origination and mortgage disclosures
Selected TILA and Regulation Z, RESPA and Regulation X, TRID, loan originator compensation, appraisal and other mortgage origination materials.
Fair lending and mortgage data
Selected ECOA and Regulation B, Fair Housing Act, HMDA and Regulation C, appraisal fairness, adverse action and related supervisory guidance.
Licensing and registration
SAFE Act, NMLS-related sources, state mortgage regulator notices, company and mortgage loan originator licensing, renewal and reporting requirements.
Government and investor programs
Selected FHA Handbook and Mortgagee Letters, VA lender materials, USDA guidance, and Fannie Mae or Freddie Mac seller-servicer publications.
Servicing and borrower assistance
Selected mortgage servicing requirements, escrow, transfers, error resolution, requests for information, loss mitigation and borrower communication topics.
Privacy, cybersecurity and financial crime
Selected GLBA privacy and safeguards materials, FTC security requirements, state privacy and breach sources, and FinCEN AML and SAR materials for covered firms.
Monitor availability and applicability vary by source, jurisdiction, charter, product and business activity. Your organization chooses the watchlist it wants RegWatch to follow.
How RegWatch Works
Move from “something changed” to a focused mortgage compliance review.
Select your monitors, receive organized change intelligence and optionally connect policies and procedures for assessment.
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1
Select your monitors
Choose the agencies, regulations, licensing sources, program guidance and jurisdictions relevant to your mortgage operations.
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2
Review focused change summaries
See what changed, relevant dates, affected topics, source links and suggested review areas.
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3
Connect policies when useful
Upload and assign origination, fair lending, servicing, quality control, privacy or security documents to selected monitors.
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4
Assess gaps and document action
Review potential policy gaps, ownership, next steps, review activity and supporting evidence in a consistent workflow.
Illustrative workflow
New Update
A change is detected. Your team sees the context.
1
Monitor
Selected source
Actively monitoring
RegWatch follows the regulation, bulletin, handbook, guidance or licensing source your team selects.
2
Detect
Change identified
Change Alert Detected
Mortgage Lending Update
New
+
Requirement updated
Source captured and compared with the previous version.
The update is captured, summarized and organized so mortgage compliance reviewers can focus on what changed.
3
Review
Context delivered
RegWatch Review
Ready for your team
Ready
SummaryWhat changed
Key datesWhen it matters
PoliciesWhat to review
Next stepsWho owns action
Assigned to compliance, IT and legal reviewers
Your team receives a focused review package instead of another unstructured alert.
Built for Mortgage Lenders
One monitoring approach for diverse channels, products and jurisdictions.
RegWatch can support organizations with different charters, origination channels, licensing footprints, government programs, investor relationships and servicing activities—without forcing every team into the same watchlist.
Create your free monitoring account
Independent mortgage banks
Retail and direct-to-consumer lenders
Wholesale and correspondent lenders
Bank and credit union mortgage teams
Multi-state mortgage companies
Mortgage servicing organizations
What Your Team Gains
A more manageable way to track change, assess impact and document follow-through.
Less manual monitoring
Reduce repeated searches across individual regulator, program, licensing and investor websites.
More focused reviews
Give owners the source, dates, affected topics and review context in one place.
Better policy alignment
Connect selected requirements with the policies, procedures and controls your mortgage teams rely on.
A clearer audit trail
Keep updates, assessments, ownership, review activity and supporting evidence organized.
Frequently Asked Questions
Mortgage lending monitoring, without the guesswork.
Start with selected regulatory and licensing monitors, then add policy assessment workflows when your team is ready.
Talk to AllgressWhich mortgage lending requirements can RegWatch monitor?
Organizations can select relevant federal, state and program sources, including CFPB mortgage regulations, fair lending requirements, HMDA materials, state licensing authorities, NMLS-related sources, selected FHA, VA, USDA and enterprise guidance, privacy and cybersecurity requirements, and financial-crime materials. Available coverage depends on the selected monitors and sources.
Can we use RegWatch without uploading policies?
Yes. RegWatch can be used for regulatory monitoring and organized change summaries without policy uploads. Policy uploads are optional and support policy assessment workflows when your team chooses to use them.
Can a multi-state mortgage company monitor different state requirements?
Yes. A watchlist can be organized around the states, licenses, channels, products and business activities your organization selects.
Can RegWatch monitor investor and government program guidance?
Selected program and investor sources can be included when available, such as FHA Mortgagee Letters and Handbook updates, VA lender materials, USDA guidance, and Fannie Mae or Freddie Mac seller-servicer publications. Coverage depends on the monitors and sources selected.
How does policy assessment work?
Your team can assign uploaded policies and procedures to selected monitors. When a monitored source changes, RegWatch can help identify areas that may require review, clarification or remediation.
Does RegWatch determine which requirements legally apply?
No. Your organization determines applicability. RegWatch provides regulatory intelligence, workflow support and optional policy assessment assistance; it does not provide legal advice or replace legal, compliance or audit professionals.
Start with the sources that matter to you
Make mortgage lending regulatory monitoring easier to manage.
Build a watchlist around the federal, state, licensing, program and security sources your organization selects.