RESPA Readiness Evidence Bundle Profile v0.1 draft. A profile of the Evidence Bundle spec scoped to RESPA's disclosure-and-recordkeeping framework + TILA-RESPA Integrated Disclosure (TRID) + Section 8 anti-kickback + escrow rules under 12 CFR Part 1024, plus the adjacent federal floor a mortgage lender must navigate: ECOA Reg B (12 CFR Part 1002), HMDA (12 CFR Part 1003), Fair Housing Act (42 USC §3601), and GLBA Safeguards (16 CFR Part 314). Names the ten obligation families and the implementation specifications each one expects, so a mortgage lender can assemble a portable, ed25519-signed evidence packet that a CFPB examiner, DOJ fair-lending attorney, HUD investigator, or PropTech procurement reviewer reads natively.
Part of the Kinetic Gain Protocol Suite.
Status: v0.1 draft. Profile at
profile.json, canonical example bundle atexamples/pacific-coast-2026-q3-respa/.
When a mortgage lender produces RESPA evidence — for a CFPB exam, a DOJ fair-lending inquiry, a state DFPI / NY DFS / TX DSML examination, a vendor due-diligence response, or a HUD complaint defense — the contents of that bundle are not arbitrary. The federal floor enumerates obligations across TRID Loan Estimate (§1026.37), TRID Closing Disclosure (§1026.38), Section 8 anti-kickback (§2607), affiliated business arrangements (§1024.15), escrow rules (§1024.17), ECOA Reg B recordkeeping (§1002.12), HMDA reporting (Part 1003), fair-lending program (interagency), GLBA Safeguards (Part 314), and AI vendor procurement controls (where modern fair-lending + UDAAP supervision now sits).
This profile names them all in one bundle shape. A bundle conforming to this profile carries labels.profile = "respa-readiness-v0.1" and labels.control_family = "<obligation-family-id>" on items, so an examiner's tooling can pivot from manifest.json straight to the relevant evidence without re-deriving the mapping.
| Family | Citation | Selected implementation specifications |
|---|---|---|
| Loan Estimate (TRID) | §1024.7 + §1026.37 | le-template-current, le-3-business-day-delivery, le-tolerance-tracking, le-good-faith-redisclosure |
| Closing Disclosure (TRID) | §1026.38 + §1026.19(f) | cd-template-current, cd-3-business-day-pre-consummation-rule, cd-tolerance-cure-process |
| Section 8 anti-kickback | 12 USC §2607 + §1024.14 | referral-fee-policy, marketing-services-agreement-review, co-marketing-rules, joint-venture-section-8c-policy |
| Affiliated Business Arrangement | §1024.15 | aba-disclosure-template, aba-roster-current, aba-no-required-use-policy |
| Escrow account rules | §1024.17 | initial-escrow-deposit-policy, annual-escrow-analysis, shortage-deficiency-notice, surplus-refund-process |
| ECOA Reg B recordkeeping | §1002.12 (25-month floor) | application-record-storage, adverse-action-notice-records, appraisal-and-valuation-records, government-monitoring-records |
| HMDA reporting | Part 1003 | lar-data-collection, lar-data-quality-checks, lar-annual-submission, covered-institution-determination |
| Fair-lending program | ECOA + FHA + interagency | fair-lending-policy, fair-lending-monitoring-program, fair-lending-committee-charter, ai-model-fair-lending-testing, complaint-tracking-fair-lending-tagged |
| GLBA Safeguards | 16 CFR Part 314 | written-information-security-program, qualified-individual-designation, risk-assessment-current, vendor-monitoring, incident-response-plan-current |
| AI vendor procurement controls | Interagency MRM + AI governance | decision-card-per-vendor, data-protection-addendum-per-vendor, model-risk-management-document-per-vendor, annual-fair-lending-attestation-per-vendor, no-autonomous-adverse-action-attestation |
A bundle conforming to this profile:
- Sets
bundle.labels.profile = "respa-readiness-v0.1". - Sets
bundle.labels.lender_designation,bundle.labels.lender_state_code,bundle.labels.nmls_id, andbundle.labels.period. - Includes at least one item per implementation specification across all ten obligation families.
- For each specification the lender satisfies via a documented alternative or accepted residual risk, includes a
decision-<spec>.jsondocument (Decision Card-conforming). - Tags each item with
labels.control_familyandlabels.control_spec. - Is signed (
signatureblock) — the bundle is meaningless to an examiner without a signer.
examples/pacific-coast-2026-q3-respa/ — Pacific Coast Mortgage Holdings' 2026 Q3 RESPA Readiness Bundle. Covers all ten obligation families across 22 items + 1 Decision Card decision document for the VendorR LoanDecision v5.2 fair-lending gap (remediation-pending). One worked content file is included:
content/decision-vendorr-fair-lending-gap.json— Decision Card-conformingremediation-pendingdecision covering the San Bernardino County tract Latino disparate-impact event from the sibling Title Chain + Real-Estate Decision Incident Card example. Three conditions: subgroup suspension, weekly committee review through 2026-Q4, vendor v5.3 validation by 2026-12-15.
| Repo | Role |
|---|---|
evidence-bundle-spec |
The base spec this profile extends |
mls-data-access-vault-contract-profile |
Sibling PropTech profile — Decision Cards in decision-card-per-vendor typically conform to this vault contract profile |
title-chain-evidence-incident-card-profile |
When the fair-lending or RESPA gap manifests as an incident, this is the cross-spec link |
mortgage-decision-record-audit-stream |
The audit-stream sibling that records the per-application access events that feed ai-model-fair-lending-testing |
mortgage-applicant-bias-coverage-lab |
When the bundle's ai-model-fair-lending-testing evidence requires bias-coverage stratification, the bias-coverage bundle is referenced |
hipaa-readiness-evidence-bundle |
Sibling HealthTech profile — same evidence-bundle-spec, HIPAA's 18 standards instead of RESPA's 10 families |
ferpa-readiness-evidence-bundle |
Sibling EdTech profile — FERPA's 8 families |
PropTech-readiness scaffolding for RESPA + adjacent-federal-floor evidence assembly. The profile and its example support a lender's program toward RESPA + TRID disclosure readiness (12 CFR Part 1024 + 1026), Section 8 anti-kickback readiness (12 USC §2607), ECOA Reg B recordkeeping readiness (Part 1002), HMDA reporting readiness (Part 1003), Fair Housing Act enforcement-defense readiness, GLBA Safeguards Rule readiness (Part 314), and the state-DFPI / NY-DFS / TX-DSML / IDFPR examination-evidence packet process — does not by itself establish compliance with any of them. Per the standing public-language guardrail: readiness · evidence · posture · controls · scaffolding — never "RESPA-compliant" without an external attestation.
MIT — see LICENSE.