Skill

legalcode-consumer-lending-compliance

Assess consumer lending programs and loan portfolios for regulatory compliance across the US, UK, and EU. Covers Truth in Lending Act (TILA) / Regulation Z (APR disclosure, ATR/QM rule, HOEPA, TRID), Equal Credit Opportunity Act (ECOA) / Regulation B (adverse action notices, anti-discrimination), Fair Lending (Fair Housing Act, disparate treatment, disparate impact, HMDA), Real Estate Settlement Procedures Act (RESPA) (Section 8 kickback prohibitions, mortgage servicing), state usury laws and rate caps (MLA 36% MAPR, SCRA 6%, NBA preemption), CFPB UDAAP, UK FCA Consumer Credit sourcebook (CONC), Consumer Credit Act 1974 (CCA 1974), FCA Consumer Duty (PS22/9), high-cost short-term credit (HCSTC) price cap, EU Consumer Credit Directive (CCD1 / CCD2 — application November 2026), Mortgage Credit Directive (MCD), and GDPR Article 22 automated credit decisions. Produces jurisdiction-specific compliance gap assessments with COMPLIANT / PARTIAL-COMPLIANT / NON-COMPLIANT / CRITICAL severity ratings, APR calculation reviews, adverse action notice analysis, ability-to-repay assessments, fair lending analysis, and prioritized remediation action plans. Use for consumer loan program reviews, regulatory examination preparation, new product launches, fintech compliance due diligence, and ongoing monitoring programs. Triggers on: TILA review, Reg Z compliance, ECOA adverse action, Regulation B, fair lending audit, RESPA Section 8, consumer credit compliance, APR calculation, ability to repay, qualified mortgage, CONC assessment, Consumer Duty, CCA 1974, CCD2 readiness, creditworthiness assessment, responsible lending review.