Mortgage Industry Regulations

What you can ask

• How does Fannie Mae treat restricted stock unit income? Quote the section.Copy

  Example path verify_quote · Income and asset guidelines skill

• What are Fannie Mae's large deposit requirements for a purchase? Quote the rule.
• Quote the verbatim text of Fannie Mae Selling Guide B3-4.3-04 (Personal Gifts), with its citation and effective date.

MCP connector

Server URL

https://mcp.claudeforcompliance.com/mcpCopy

Login

None

Protocol

MCP 2026-07-28

Instructions

Answer in the regulator's exact words: quote each relevant section verbatim with its section citation, not a paraphrase. Summary after, labeled as a summary.

State any currency warning and which version.

Use regulator vocabulary ("debt-to-income" not "DTI"). Titles don't fit: search again.

A special program's rule applies only to that program: find the general rule.

Still none: the corpus doesn't address it; say so, don't answer from memory.

Read: find_in_section. Verify: verify_quote.

Notice: every result carries a notice (research only, not legal advice). Mention it ONCE per conversation, in one short line, not under every answer. Cite canonical_citation, link page_url. Reading: find_in_section gives the paragraphs with your terms (check heading_path is the program meant); get_obligation pages the whole section: repeat with offset=next_offset until null. Don't say a section lacks something before reading every page; no find_in_section match doesn't mean the rule is silent. figures is best-effort; an empty or partial list doesn't mean the text states no figure. Two versions (an FHA section Update 18 revises; version in-force / update-18-optional): quote the one that applies. If you don't know whether the user has adopted Update 18, quote the in-force text and state what the revision changes, or ask. superseded-in-part: quote the Mortgagee Letter for the replaced provisions, this text for the rest. verify_quote quotes before presenting them. composed: check omissions (a dropped "not" changes meaning); not_found: not a quotation; superseded: only as the prior version; update-18-optional: as the Update 18 version; rescinded: never as current. lookup_citation "ambiguous": ask the user which. daily_capacity_reached: stop for today; don't answer from memory. Playbooks (FNMA AI governance P&P review; FHA, VA, USDA loan-file QC): list_playbooks, then start_playbook; follow its instructions exactly. Playbook tools take only ids: the user's documents stay in their chat, never sent here.

Tools

Skills

4 in the ChatGPT listing

• Check citation or quoteRead the regulator's text for a mortgage citation the user already has, or check whether a quoted passage really appears in Fannie Mae, Freddie Mac, FHA, VA, USDA, Ginnie Mae, SBA or CFPB text.
• Income and asset guidelinesLook up how Fannie Mae, Freddie Mac, FHA, VA or USDA treat a type of borrower income or asset, and return the regulator's exact text with its citation and effective date.
• Property and appraisal guidelinesLook up what Fannie Mae, Freddie Mac, FHA, VA or USDA require for a property type or an appraisal, and return the regulator's exact text with its citation and effective date.
• Servicing and default reportingLook up mortgage servicing, default and loss-mitigation requirements from the Fannie Mae Servicing Guide, FHA Handbook 4000.1 Part III, VA, USDA and Ginnie Mae, and return the regulator's exact text with its citation and effective date.