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Texas Examination Preparation

Texas Examination Preparation

Texas is a pro-business state. The regulators exercise common-sense and review companies based on their actual operations. Consumer protections get enforced through audits. Newly licensed firms can expect an audit 6-12 months after their initial licensing. This first examination serves as a warning for those firms who have not undertaken a compliance review or implemented policies and procedures. Thereafter, Texas aims to evaluate licensees every 36 months, depending on the findings in the last review. 

Texas Examination Documentation Request

Licensees receive a written request for documentation 2 weeks before the scheduled examination. This includes a list of items required, including Loan files - normally a sampling - that the regulator will review. We recommend that you use our post-closing document retention and compliance checklist that is part of your QC Plan on every loan file as it closes, but if you have waited until the examiner requests the files, then you should use this checklist on the files you are submitting to avoid any glaring omissions. The examiner will focus on compliance items - fees, cost estimates, federal and state specific disclosures. 

Texas requests the following:
  • Advertising Copies (including business cards) and Policies and Procedures - make sure you have used our Advertising Checklist to vet ads before they go live and keep a copy with each message.
  • Quality Control Policy (Plan)
  • Compliance Manual (Policies and Procedures)
  • Red Flag (ID Theft) Policies and Procedures - Cyber Security / Information Technology Security 
  • Written Anti-Money Laundering Program (and last independent review)
  • Ability to Repay policy and procedures
  • Personnel Administration/Employee Policies - Hiring and Termination policies
  • Consumer Complaint Policies and Procedures
  • Fraud Prevention Program / Identity Theft Prevention Program
  • Loan Originator Compensation Plan - copies of agreements
  • Loan Estimate Procedure for revisions
  • E-SIGN Vendor Agreement and Policy
Audit Prep Add-on
Includes:
Cover Memo
Individual Policies in Named PDFs
Independent Audits
Non-NMLS Training

Sold With Compliance Packages Only - we will not audit prep on others' policies
Price: $500 per state
State (add one state at a time):


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  • Home
    • Search our site
    • The CFPB and You
    • What Does a QC Plan Do?
    • Choosing the Right One
    • Free Sample Request Form
    • Request Discount Code
    • About Us >
      • About Us
      • FAQs
      • 100% Guarantee
      • Client List
    • Industry Blog
  • Single Policies
    • Single Policies
    • Free Sample Policies >
      • TIL-RESPA Integrated Disclosure (TRID)
      • HPML Appraisal Policy
      • Social Media
      • Ability to Repay
      • SAFE Act Policy
      • E-Sign Policy
      • Loan Originator Comp
      • Complaint Resolution
    • Disaster Recovery/Business Continuity Plan
    • Fair Lending/Fair Housing
    • Secondary Marketing-Loss Mitigation
    • Anti-Money Laundering (AML/BSA/SAR) Plan
    • Appraiser Independence - Appraisal Management
    • Anti-Predatory Lending (UDAAP)
    • Vendor Management
    • Business Plan
    • MERS QA Plan
  • Modules
    • Module System
    • Mortgage Compliance Manual
    • Quality Control Options >
      • Quality Control Options
      • Lender Quality Control Plan >
        • HUD-FHA Quality Control Plan
      • Broker/Non-Del QC Plan
    • Information Security - FACTA/Red Flags & ID Theft >
      • IT/Cyber Audit
    • Origination/Production Module
    • Processing Module
    • Underwriting/Credit Policy
    • Closing/Funding/Warehouse
    • Mortgage Ops & Employee
    • Wholesale/Third Party Origination
    • Mortgage Servicing Module >
      • Mortgage Servicing
      • Mortgage Sub-Servicing
      • MERS Quality Assurance (QA)
  • Packages
    • Packages
    • Complete Mortgage Banker Package
    • Complete Correspondent Pack
    • Lender Compliance Pack
    • Broker-Non Del Compliance Pack
    • Processing Company Package
    • Anti-money laundering AML/BSA/SAR package >
      • Annual AML/BSA Audit
      • Annual AML Training
      • Free AML/BSA SAR Evaluation
    • Cyber/IT Security Audit Package
    • Advertising Audit Package
  • Services
    • Services
    • State Audit Prep >
      • State Audit Prep Package >
        • Pennsylvania Exam Preparation
        • Washington State Mortgage Lender Broker
        • New York Lender Broker Audit Prep
        • North Carolina Lender Broker
        • Ohio Mortgage Lender Broker
        • Texas Exam Preparation
      • Annual Audit Preparation
      • State Examination System (SES) Support
      • State Examination Packages >
        • Supervisory Plan
    • Training Services >
      • AML Training
      • Fair Lending Training
      • ID Theft Training FACTA
      • Cybersecurity Training GLB Safeguarding
      • Fraud Red Flag and QC Training
      • Privacy Act - GLB Training
      • Advertising Compliance Training
      • New Employee Training
    • Knowledge Base-FAQ
    • My Compliance VP - Manager >
      • My Compliance VP - Manager
      • Login Compliance Manager
      • Login Document Managment
      • Manage Subscription
    • Updates and Downloads >
      • Updates and Downloads
      • Updates and Downloads (members)
    • Warehouse Lender/Agency Approval >
      • Comergence Upload Service
    • Request Review
    • How to: Customization Services >
      • Customization Services
      • How to: Downloading Documents
      • How to: Customize Your Manual
      • Free "Generic" Customization Offer