Mortgage Regulatory & Act
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Regulatory Disclosures & Compliance
At Bridgepoint Lending, we adhere strictly to all applicable federal, state, and local laws regulating mortgage lending. We believe that full disclosure and compliance build trust and protect both borrowers and our business. Below is an overview of the regulations and principles that guide us:
- Truth in Lending Act (TILA) / Regulation Z — We provide clear, upfront disclosures of interest rates, fees, total costs, and the “annual percentage rate (APR)” so you can compare loans fairly.
- RESPA (Real Estate Settlement Procedures Act) — We follow rules that prevent hidden fees, kickbacks, and require transparent disclosures about settlement costs.
- HMDA / Regulation C — We collect and report certain data (when required) to promote fair lending and transparency in mortgage markets.
- Advertising Compliance & Consumer Protection — All marketing and promotional material is reviewed to ensure it complies with advertising laws and rules for mortgage products.
- Privacy & Data Security — We safeguard your personal information and follow relevant privacy regulations (depending on your location).
- State & Local Regulations — We maintain all required licensing across jurisdictions and follow any additional state-level lending or consumer-protection laws as needed.
We commit to regular internal audits, ongoing staff training, and staying current with regulatory changes to ensure compliance and protect your rights.
If you would like a specific disclosure (such as “Right to Cancel” or “Servicing Disclosures”) or full regulatory details, please contact us.