From day one our team has implemented policies and procedures to ensure Regulatory Compliance.  We are aware that consumers are often overwhelmed and under-informed when it comes to closing on one of the biggest investments a person can make. 


The creation of the Consumer Financial Protection Bureau and the new Integrated TILA-RESPA Final Rule is a game-changer that will give more control to the consumer and more transparency to the process.  We want consumers as well as other Real-Estate Professionals to rest-assured that we are on the forefront of ensuring compliance with these new rules- as well as some older rules settlement providers should have been following all along!

Here are some ways we meet and strive to go beyond regulatory compliance:

  • Use of technology- Our cloud based technology ensures that Non-public information is only shared with the people who need it.  No more worrying about your social security number lying around on a closing agent’s desk for everyone to see.   The technology we use also allows all parties with the appropriate permissions to see documents as they become available so there are limited surprises in the closing room!  This gives customers time to review and ask any questions they may have.
  • Extensive employee training-  We believe a well-educated staff is key to ensure regulatory compliance.  We have a thorough orientation program as well as ongoing education for our employees.
  •  Comprehensive policies and procedures-  Our policies and procedures cover regulations such as the Dodd-Frank Act, RESPA, Gramm-Leach-Bliley Act as well as all of the ALTA Best Practices to ensure efficient and secure real-estate settlement transactions. 
  •  Compliance Management Program- We believe there is always room for improvement! Our compliance Management Program uses management oversight and internal audits of all processes to guarantee adherence to internal policies and procedures as well as regulations that apply to the real-estate settlement services industry.  This allows us to see what areas we can improve as well as what areas of the process are working. 

If you are a lender and would like more information about compliance in relation to CFPB regulations, please contact us at: info@realandtitle.com

We also offer free classes to real-estate agents and lenders who would like to know more about TILA/RESPA regulations!