Lender Compliance Analysis

Forensic Loan Audits


FPG-USA's lender compliance analysis (LCA) services examine personal home refinance loans from the time the mortgage was applied for until the time it closed. Statistics show 85% of lenders violated federal regulations in the process of making these loans. If the loan was taken within three years loan cancellation may be a remedy.

LCA services are also known by other names across the industry: forensic loan audits, TILA audits or Truth in Lending Act, Home Ownership and Equity Protection Act, Real Estate and Settlement Procedures Act and regulations modeled after the Federal Trade Commission's Unfair, Deceptive Acts and Practices Act.

Forensic Loan Audits are widely misused and misrepresented. So many "would-be" practitioners across the USA have latched on to this service as a "be all and end all" solution to force lenders into loan modifications, win court cases without a fight and otherwise walk away from mortgages. It is just not true.


To prevent misuse we have a stepped process that includes:

  • The option of consulting with an expert on your case.
  • Free Coverage Qualifier - Are you covered under the Acts?
  • Document Review and Assessment - If you have violations are the remedies viable in your situation?
  • Full evidentiary findings report with violations and remedies meticulously noted.
  • Rescission package - Maintains compliancy if you intend to rescind your loan
  • QWR - Qualified Written Request if you have not already made one.
  • Expert Witness support services
  • Additional services as needed.

FPG-USA specializes in lender compliance analysis. Direct inquiries to info@fpg-usa.com.