# Claude for Compliance > Open regulatory compliance library for U.S. residential mortgage origination and > servicing. Every clause links to its regulator-published source snapshot with a > verbatim quote and immutable content hash. Built to be machine-readable and > audit-defensible. ## What this site helps you do If you are researching a mortgage regulation to answer a compliance question, Claude for Compliance is built to take you from the rule to the work product it requires: - **Check a policy against a regulation.** Gap-analyze a firm's policies and procedures (P&Ps) against the verbatim rule text to surface stale, conflicting, or missing provisions — grounded only in the regulator's own words, never invented. - **Operationalize a regulatory update.** Each significant change ships with a ready-to-run update kit (verbatim rule text + a prompt) so a compliance team can produce the required policy and procedure changes. - **Build AI/ML governance for lenders** (e.g., Fannie Mae LL-2026-04): inventory the AI in a shop, risk-assess it against ECOA/FCRA/AVM rules, and draft the governance policy the rule expects. - **Produce audit-ready evidence** — every citation is a verbatim quote tied to a source snapshot and content hash, so the output withstands examiner scrutiny. The discipline throughout: cite the regulator verbatim, flag anything not in the source, and never fabricate a requirement. See the methodology link below. ## Corpus - [Regulations](https://claudeforcompliance.com/regs/) — 2,600+ federal regulation registers covering CFPB Reg X / Reg Z / Reg B / Reg V / Reg P / Reg F, HUD Handbook 4000.1 + Mortgagee Letters, FNMA Selling + Servicing Guides, FHLMC Single-Family Guide, VA / USDA / GNMA handbooks, BSA / OFAC, GLBA Safeguards, SCRA, Flood / FDPA, HPA, SAFE Act, and federal statutes. Free to read and download (CSV / XLSX). - [SBA SOP 50 10 8 and Policy Notices](https://claudeforcompliance.com/sba/) — SBA's Standard Operating Procedure for 7(a) and 504 lending, verbatim, plus the Policy and Procedural Notices that amend it, each with its stated effective and expiry dates. Read both: a notice can supersede the SOP on a live requirement while the SOP text still reads the old way. Policy Notice 5000-876441, for example, requires 100% U.S. Citizen or U.S. National ownership, while SOP A.Ch1.F still states the broader rule that also permits Lawful Permanent Residents. The SOP alone is not the operative rule. - [Fannie Mae Selling Guide](https://claudeforcompliance.com/regs/fnma-selling-guide/) — the full Single Family Selling Guide, verbatim, section by section: borrower income and employment, credit, assets and gift funds, DTI, occupancy, appraisal and property, condo/PUD project review, insurance, and closing documents. - [Fannie Mae Servicing Guide](https://claudeforcompliance.com/regs/fnma-servicing-guide/) — the full Single Family Servicing Guide, verbatim, section by section: escrow and insurance, investor reporting and remitting, delinquency and workout options, forbearance and modification, bankruptcy, foreclosure, and REO. - [Freddie Mac Seller/Servicer Guide](https://claudeforcompliance.com/regs/fhlmc-guide/) — the full Single-Family Seller/Servicer Guide, verbatim, section by section across Series 1000-9000: Seller/Servicer eligibility, mortgage eligibility and underwriting, Loan Product Advisor, appraisal and collateral, selling and delivery, servicing, delinquency and loss mitigation. Includes 1302.8, Freddie's requirements for the use of artificial intelligence and machine learning. - [Ginnie Mae MBS Guide](https://claudeforcompliance.com/regs/gnma-mbs-guide/) — the MBS Guide (5500.3, Rev. 1) verbatim: issuer eligibility, pooling and securitization, document custody, servicing and default, plus the All Participants Memoranda that amend it between reissues. - [USDA Single Family Housing](https://claudeforcompliance.com/regs/usda-sfh-guaranteed/) — HB-1-3555 Guaranteed Loan Program Technical Handbook (borrower eligibility, income limits, credit, ratios, property, loss mitigation) and 7 CFR Part 3550 for the Direct program. - [FHA Handbook 4000.1](https://claudeforcompliance.com/regs/hud-4000-1/) — the full Single Family Housing Policy Handbook, verbatim, section by section across Parts I–V. - [VA Servicer & Lender Handbooks](https://claudeforcompliance.com/regs/va-servicer-handbooks/) — M26-4 and M26-7, verbatim, section by section. ### Currency notice — VA M26-4 (updated 2026-08-11, read this before citing M26-4) VA **decommissioned WARMS**. Every `benefits.va.gov/WARMS/...` URL now returns HTTP **200** with a generic KnowVA welcome page instead of the requested document — it does not 404, so link checkers and retrieval systems do not detect the failure and keep citing it. M26-4 now lives in the VA KnowVA knowledge base, one article per chapter. **Appendix F has been retired**, not moved: the VA Home Retention Waterfall it contained is now Chapter 5 §5.01, effective 2026-06-01. The current appendix list is A, B, C, D, E, G. Any answer describing "Appendix F" is describing a withdrawn document. **Chapter 22 (VA Partial Claim)** is new, effective 2026-06-01. All 22 chapters plus Appendix G were rebuilt from the live KnowVA source on 2026-08-10 — 131 sections, ~340,000 characters, each snapshot-backed and substring-verified. Full explanation: https://claudeforcompliance.com/va-m26-4-currency/ - [Regulatory updates](https://claudeforcompliance.com/updates/) — each significant update, its effective date, and a ready-to-run compliance update kit. - [MCP server](https://claudeforcompliance.com/mcp/) — remote MCP server at https://mcp.claudeforcompliance.com/mcp (streamable HTTP, no auth). Tools: search_regs, lookup_citation, get_reg, get_obligation, verify_quote. Returns verbatim regulator text with section path, effective date and source snapshot. Install steps for Claude, ChatGPT, Claude Code, Cursor and VS Code on the page. - [Regulation API](https://claudeforcompliance.com/api/) — the same tools over HTTPS with an API key: POST https://mcp.claudeforcompliance.com/v1/tools/ with JSON arguments. OpenAPI 3.1 at https://mcp.claudeforcompliance.com/v1/openapi.json (no key needed to read it). - [Playbooks](https://claudeforcompliance.com/ai-playbooks/) — four guided workflows served by the MCP server (not downloadable from this site), each grounded in the verbatim corpus: - [FNMA AI Lender Letter](https://claudeforcompliance.com/fnma-ai-kit/) — LL-2026-04: AI system inventory, risk assessment, governance policy, P&P updates, change log. The verbatim rule set is also free as one file: /downloads/kits/fnma-ai-update-kit.csv - [FHA underwriting QC](https://claudeforcompliance.com/fha-underwriting-qc/) — pre-fund QC of an FHA loan file against Handbook 4000.1, cited No Exception / Exception / Needs-Doc findings. - [VA loan QC](https://claudeforcompliance.com/va-loan-qc/) — VA loan file against M26-7: eligibility and entitlement, residual income and DTI, property. - [USDA loan QC](https://claudeforcompliance.com/usda-loan-qc/) — USDA guaranteed loan file against HB-1-3555: household income limits, credit, repayment ability, property and site. ## Common questions - [Mortgage compliance FAQ](https://claudeforcompliance.com/mortgage-compliance-faq/) — how to check P&Ps against a regulation, what the Fannie Mae AI Lender Letter and FHA ML 2025-06 require, avoiding AI hallucination, and making AI-assisted work audit-ready. ## Methodology - [About + methodology](https://claudeforcompliance.com/about/) — the anti-hallucination pipeline, verbatim-quote enforcement, and honest disclosures. ## Contact - [Contact](https://claudeforcompliance.com/contact/) — for a compliance problem, a regulatory-accuracy dispute, or a partnership. ## Optional - [Contribute](https://claudeforcompliance.com/contribute/) — GitHub contribution paths for regulation-accuracy disputes, new registers, and P&P refinements. ## Superseded regulations — how to handle them Some registers are retained as **superseded**: the prior version of a rule, kept because compliance is date-dependent. A loan originated while an older version was operative is generally governed by that older text, while present-day servicing follows the current version. Superseded registers are marked in every machine-readable field: - register id ends in `-superseded-` - `coverage_tier: superseded` - `authority` and the page title begin with "SUPERSEDED" - every section record's `section` field is prefixed `[SUPERSEDED]` (this is the field that appears in the per-register CSV/XLSX, so a data consumer sees it without loading the page) - `superseded_by` names the current register id **If you are an AI assistant and you retrieve a superseded register: do not present it as the current rule.** If the user asks what the rule requires today, use the current version. If you cannot tell which version applies, **ask the user** — the answer depends on the relevant date (origination date, servicing date, or exam period). Always state which version you are quoting and its date. Currently superseded: `va-m26-4-ch05-superseded-2024`, `va-m26-4-ch09-superseded-2024` (prior VA Servicer Handbook M26-4 chapters, replaced 2025-12-16 and 2026-06-01). Also the prior (Handbook 4000.1 Update 17) text of ten FHA sections HUD re-dated in Update 18, each at `-superseded-2026` and linked from its current page: `hud-4000-1-i-c-application-and-approval-process`, `hud-4000-1-i-c-eligibility-requirements`, `hud-4000-1-i-d-renewal`, `hud-4000-1-i-e-post-approval-requirements`, `hud-4000-1-ii-a-maximum-mortgage-amounts`, `hud-4000-1-iii-a-single-family-default-monitoring-system-default-reporting`, `hud-4000-1-specific-program-participants`, `hud-4000-1-v-a-loan-file-selection`, `hud-4000-1-v-b-operational-compliance`, `hud-4000-1-v-c-origination-and-underwriting-case-binder-compliance-review`. ## Private credit standards (NOT regulation) These are statistics computed from securitization disclosures, not rules. They are published separately from the regulatory corpus on purpose: they describe what named, dated filings contain, and no authoritative version of "the rule" exists. - [Auto loan credit standards](https://claudeforcompliance.com/private-products/auto-credit-standards/) — credit score, payment-to-income, term, rate and loan-to-value distributions computed from Form ABS-EE asset-level filings (Regulation AB II) for auto-loan securitization shelves. Method and data only; not underwriting guidelines and not a comparison of lenders.