Call us today - 214.551.5578
Toll Free Number - 888.574.4420

Call us today - 214.551.5578
Toll Free Number - 888.574.4420

Stop cutting and pasting regulations together, and start mitigating your risk.

Broker? Correspondent? Mini-C? TCS Quality Control Policies are customized to your business, and written so that a beginner or seasoned veteran can understand. Let us create an efficient and powerful QC policy, and you'll be free to focus on the most important part of your business -- SALES. However, the best quality control policies are only as good as their implementation. That's why all TCS products include both in-house and online training for your employees.

Compliance Management Systems (CMS)

No matter your compliance management needs, we have a package tailored to suit.

Level 1: Broker - Our most affordable compliance management package includes all of our core services, including QC policy review and updates, online training, and in-house training for your Quality Control Officer.

Level 2: Mini-Correspondent - The Mini-Correspondent package includes all features of the Broker package, but also adds in great features like expanded online training, compliance training for your employees, company site compliance audits, and a practice audit and review.

Level 3: Correspondent - For the ultimate in compliance management, our Correspondent package bundles everything from the Broker and Mini-Correspondent packages with quarterly  file audits* to ensure your company's documents, employees, and websites are in full compliance with Federal and state regulations.

* File Audits are optional and are priced on a per file basis.

All TCS Quality Control Policies Include:

  • Originators, Processors & Closers QC responsibilities
  • Audits & QC Review Procedures
  • Fair Lending
  • Anti-Money Laundering/ Bank Secrecy Act
  • Equal Credit Opportunity Act (ECOA)
  • Risk-Based Pricing Notice & ECOA Disclosures
  • Identity Theft Policy/ Red Flag Policy
  • Truth in Lending Act w/ Closed-End Advertising (TILA)
  • Mortgage Disclosure Improvement Act (MDIA)
  • Home Ownership and Equity Protections Act (HOEPA)
  • Section 35 and 32 Loans
  • Unfair, Deceptive, or Abusive Acts or Practices (UDAAP)
  • Real Estate Procedures Act (RESPA)
  • TILA-RESPA Integrated Mortgage Disclosure (TRID)
  • Changed Circumstances
  • Kickbacks and Unearned Fees
  • Secure and Fair Enforcement for Mortgage Licensing (SAFE)
  • SAFE Act Policy
  • SAFE - Third Party Vendor Compliance
  • Gramm-Leach-Bliley Act (GLBA)
  • GLBA Act Policy
  • Home Mortgage Disclosure Act (HMDA)
  • Homeowner's Protection Act
  • Internet & Data Security
  • Mortgage Acts & Practices Advertising (MAP) Reg N
  • Social Media
  • Ability-to-Repay (ATR) and Qualified Mortgages (QM)
  • Consumer Complaints
  • Ethics

Annual Compliance Training

Under new federal regulations, any employees involved in originating or processing of residential mortgage loans must complete annual compliance training that is separate from Continuing Education requirements. This includes processors, underwriters and support staff. Our online training modules cover all the required topics and can be taken 24/7 from your desktop, laptop, or tablet. At the end of each module is a short 10 question quiz users are required to take, and once finished they will receive a digital certificate of completion. If you have a large number of employees that need to complete their federally required training, why not ensure they all complete the training at once with our webinar series? With room for up to 100 people at once, we can accommodate your entire staff.

Continuing Education

Don't sit in a classroom for 8 hours! Our classes are available 24/7 from the comfort of your home or office, for the low price of $37.00*! Start-Stop-and Save, and pick back up later so you can break the training up into segments. All RMLO licenses expire on December 31st, and the deadline for completing your CE classes is December 19th, and you must take your 8 hours of CE in order to renew your license. You are prohibited from submitting your renewal application if you haven't completed your CE, so don't wait until the last minute to try and complete it, or you may be prevented from completing your renewal with NMLS.

File Auditing

Fannie, Freddie and FHA all require 10% of your files to be audited by a 3rd party vendor, but more and more lenders and warehouse providers are requiring audits to be conducted on mini-correspondent loans. Moreover conducting audits is considered a good business practice. TCS is excited to provide this service to our clients. Our high quality audits and detailed reports will help you pinpoint how and where to improve the quality of your loans and mitigate risk. Whether you require 5 files or 50, our auditors are ready to review each one and provide you with a comprehensive report.