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ProductionQC
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The Cogent ComplianceQC™ System was developed in partnership with some of the nation's top lenders and regulatory compliance law firms, and is designed to help lenders protect themselves from the risk of non-compliance in five key areas:
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General Regulatory Compliance (ECOA, RESPA, TIL, and other State and Federal regulations). The general compliance module uses Cogent's statistical sampling methodology and comprehensive workflow to streamline compliance reviews, producing reports that are concise and powerful.
- HMDA Data Quality . This module displays all HMDA-required data fields and provides point-and-click corrections. It includes feedback reports (by branch, broker, loan officer, etc.) of HMDA errors by type and generates reports of incorrect and corrected data to the source unit responsible for the errors.
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Fair Lending. ComplianceQC's fair lending module allows lenders to quickly and easily identify potential fair lending issues by comparing pricing and underwriting data for protected and non-protected classes.
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Matched Pair Analysis. This module follows the same approach used by regulatory agencies to determine whether borrowers in protected classes receive fair treatment. It allows administrators to record and review results over time, and to issue concise reports.
- Predatory Lending. This module includes audit questions that comply with MBA and regulatory guidelines for evaluating high cost loans.
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