Mortgage Compliance Intelligence

The CFPB Pulled Back. 50 State Regulators Stepped In. Your AI Agent Watches Them All.

We build AI-powered regulatory monitoring systems for mortgage lenders, servicers, and credit unions navigating the most aggressive state enforcement environment in a decade.

Get in Touch → See How It Works

Sources Monitored Daily

Federal agencies, GSEs, and every state regulator in your footprint.

Federal
CFPB CFPB
Federal Register Federal Register
HUD / FHA HUD / FHA
FHFA FHFA
OCC OCC
NCUA NCUA
FDIC FDIC
Federal Reserve Federal Reserve
FinCEN
GSE & Secondary Market
Fannie Mae Selling Guide
Freddie Mac Seller/Servicer
Ginnie Mae APMs
State — Your Footprint
CA — DFPI
TX — SML
FL — OFR
NY — DFS
OH — DFI
IL — IDFPR
WA — DFI
CO — DORA
+ every state in your NMLS operational footprint
7→12
Open state exams per lender, 2024 vs 2025
83%
Of single-family mortgages originated by IMBs
5→20
Pages per exam request, then vs now
50
State regulators asserting independent oversight
The Problem
Your Compliance Director's Morning. Two Versions.
One costs 3 hours. The other costs 3 minutes.
Without AI Agent — Every Morning
⏱ Check Federal Register for CFPB, HUD, FHFA filings
⏱ Visit CFPB.gov for new enforcement actions
⏱ Check Fannie Mae Selling Guide change log
⏱ Check Freddie Mac & Ginnie Mae APMs
⏱ Visit CA DFPI, TX SML, OH DFI, FL OFR...
⏱ Check 8 more state regulator websites
⏱ Read, classify, decide what applies
⏱ Forward to right team members
⏱ Log everything for audit trail
With AI Agent — Overnight, Automatic
✓ All sources scanned at 5 AM — federal + state
✓ Classified against your profile automatically
✓ Critical alerts pushed to Slack overnight
✓ Full digest in email, spreadsheet, or compliance tool
✓ Routed to right people by urgency + function
✓ Audit log updated automatically
✓ Done before your first meeting

12 websites. 50+ documents. Every single morning.

Your compliance director starts every day manually visiting federal agency websites, state regulator newsrooms, and GSE change logs. Reading through dozens of documents. Deciding which ones apply. Forwarding to the right people.

Now multiply that by every state you're licensed in.

A compliance officer at a 15-state lender told us: "I spend the first 3 hours of every day just trying to figure out what changed."
Live Intelligence Feed
What Your Morning Brief Looks Like
Real regulatory updates, classified by your AI agent against your specific operational profile.
Federal Updates
CriticalCFPBFeb 28
Final Rule Amending Loan Originator Compensation Requirements Under TILA
Why this matters: Changes how you structure LO compensation across all branches. Your upcoming CSBS multi-state exam will test compliance with this rule.
Review compensation plans and update by effective date
HighFannie MaeFeb 26
Enhanced Cybersecurity Supplement Requirements for Seller/Servicers
Why this matters: Updated cybersecurity supplement due by Q3 2026. Aligns with CSBS non-bank cyber exam procedures.
Begin cybersecurity supplement self-assessment
MediumFinCENFeb 24
Proposed Amendments to BSA Reporting for Residential Mortgage Lenders
Why this matters: Comment period open 60 days. Review impact on current SAR filing thresholds.
Route to BSA Officer for review
State Updates
CriticalCalifornia — DFPIFeb 27
Emergency Rulemaking on Mortgage Advertising Disclosure Requirements
Why this matters: New disclosures required on all digital marketing in CA. 60-day window. One lender received a $75K fine for similar violations in 2025.
Audit all California-facing marketing immediately
HighTexas — SMLFeb 25
New Third-Party Oversight Requirements for Mortgage Lenders
Why this matters: Documented due diligence now required for all vendors including technology providers. Your open MRA on vendor management makes this doubly relevant.
Update vendor management policy for Texas compliance
MediumOhio — DFIFeb 22
Updated Guidance on Remote Work Policies for Licensed MLOs
Why this matters: Updated supervision documentation required. Differs from CA and WI remote work rules.
Review Ohio remote work policy against new guidance
The Hard Part, Solved
Federal Monitoring Is Table Stakes.
State-Level Intelligence Is the Moat.
Every enterprise platform monitors federal agencies. Almost none give you an AI agent that monitors your specific state regulators.

"Compliance is now local. A single national compliance policy is no longer sufficient."

— National Mortgage Professional, December 2025

California has different advertising rules than Florida. New York is proposing AI lending regulations. Texas changed third-party oversight requirements.

Your competitors monitor the Federal Register. Your AI agent monitors the Federal Register and every state regulator in your footprint — classified daily against your licenses, products, and exam calendar.

Your Operational Footprint

12 States Monitored
CACaliforniaDFPI
TXTexasSML
FLFloridaOFR
OHOhioDFI
NYNew YorkDFS
ILIllinoisIDFPR
VAVirginiaSCC-BFI
WAWashingtonDFI
COColoradoDORA
GAGeorgiaDBF
NCN. CarolinaNCCOB
AZArizonaDIFI
9
Federal
3
GSE
12
States
24
Total
How It Works
From Source to Brief in 5 Steps
01
📡

Ingest

Federal APIs, state sites, GSE logs scanned daily at 5 AM

02
🔍

Deduplicate

Cross-referenced — only new, unseen updates pass through

03
🤖

Classify

AI trained on your profile: states, products, licenses, exam calendar

04
🎯

Route

Tagged by urgency, category, state, team — routed by your rules

05
📧

Deliver

Email, Slack, WhatsApp, spreadsheet — on your schedule

Built on n8n + Google Workspace + Make.com + AI Classification · No vendor lock-in
The Intelligence Layer
Your Profile Makes It Personal
Generic regulatory alerts are noise. Your AI agent classifies every update against your specific operational profile.
🏢

Acme Mortgage Corp

NMLS #123456 · Profile Active
TypeIndependent Mortgage Bank
States
CATXFLOHNY+7
Licenses
LenderServicer
Products
ConvFHAVAHELOC
GSEFannie Seller/Servicer · Ginnie Issuer
Open ItemsMRA: Vendor Mgmt · HMDA Remediation
Next ExamCSBS Multi-State (FL, TX) Q4 2026

Not Generic Alerts. A Trained AI Agent.

During onboarding, we build a detailed profile. A Texas advertising rule change doesn't bother your Ohio-only branches. A Ginnie Mae APM gets flagged for your government lending team but not your conventional team.

🗺
State Footprint Mapping

Tracks every state you're licensed in, matches updates to your jurisdictions.

📋
Exam-Aware Classification

Open findings and upcoming exams automatically increase urgency scores.

🎯
Flexible Routing Rules

Route by urgency, state, compliance function, team member — engineered together.

🔄
Your Agent Evolves

New state license? Closed finding? New product? Profile updates, agent adapts.

Exam Readiness
Your Exam Answer, Pre-Built
When a state examiner asks "How do you monitor for regulatory changes?" — your team has the answer.
How does your institution monitor for changes in state and federal regulations?
"Our compliance team has a dedicated AI agent that monitors all applicable federal agencies and every state regulator in our footprint daily. Here's our audit log from the last 12 months."
Show me how a recent regulatory change was identified, assessed, and acted upon.
"This entry shows California DFPI's advertising disclosure rulemaking was flagged as Critical at 5:47 AM, classified under Advertising, routed to Marketing Compliance, and updated templates were in production by March 3 — 57 days before deadline."
How do you ensure your compliance team stays current across all jurisdictions?
"Every team member receives classified updates based on their functional area. Origination sees TRID and advertising. Servicing sees loss mitigation and foreclosure. Nobody misses what's relevant to their role."
Audit Log — Live
06:01 AM14 updates delivered in morning briefDelivered
05:58 AMBrief generated · 2 critical, 3 highGenerated
05:52 AMCA DFPI advertising rule → CriticalClassified
05:51 AMCFPB LO comp rule → CriticalClassified
05:49 AMTX SML vendor oversight → OriginationRouted
05:47 AMFannie cyber supplement → HighClassified
05:44 AMFinCEN BSA proposal → BSA OfficerRouted
05:38 AM6 items filtered — does not applyFiltered
05:32 AM20 items ingested from 24 sourcesIngested
05:00 AMDaily scan initiated — all sourcesStarted
How We Work
Two Ways to Deploy
Whether you want us to run the system or build it for your team to own.
Option 1

Managed Service

We build and operate the system. Your team gets a morning brief and focuses on compliance work, not research.

  • Full federal + state monitoring for your footprint
  • AI classification tuned to your operational profile
  • Delivery to email, Slack, WhatsApp, spreadsheet
  • Custom routing rules by urgency, state, function
  • Audit log maintained for exam readiness
  • Profile updates as your operations change
Option 2

Done-For-You Build

We build the entire system to your spec, train your team, and hand you the keys. Your infrastructure, your data.

  • Custom-built monitoring workflows for your sources
  • AI classification engineered to your profile
  • Delivery configured to your channels
  • Routing rules designed with your team
  • Full documentation and team training
  • Ongoing support available as add-on

Ready to Stop Missing
What Your Examiners Won't?

See exactly how a custom-built mortgage compliance intelligence system works for your operational footprint.

Get in Touch →
Josh
Josh Founder — Omni Online Strategies

Built by Omni Online Strategies — Automation for enterprises that can't afford to miss what matters.

Data sourced from Federal Register API · CFPB · OCC · NCUA · FHFA · FinCEN

This page is a working concept demo built from real government APIs and regulatory data. Every client engagement is scoped to specific requirements, compliance areas, and operational feasibility. What we build for your institution is custom — not a one-size-fits-all product. Omni Online Strategies is not endorsed by, affiliated with, or a representative of any government agency shown on this page.