AI RESPA Compliance
The Problem
“RESPA Compliance Gaps Across Real Estate Transactions”
Organizations face these key challenges:
1
High-volume, multi-party transactions create document sprawl and inconsistent RESPA documentation across lenders, brokers, title, and settlement vendors
2
Manual sampling misses systemic issues (referral fee patterns, MSAs, AfBAs) until audits or complaints surface, increasing enforcement exposure
3
Difficulty proving services were actually performed for marketing/lead payments, leading to weak audit trails and time-consuming evidence collection
Impact When Solved
Continuous monitoring of 90–100% of files and vendor payments instead of 5–10% post-close sampling40–70% reduction in compliance review labor hours via automated document parsing, risk scoring, and exception routing10–25% fewer compliance-related closing delays and 15–30% lower audit/legal spend through faster, better-documented remediation