If requested, we will complete a specialized compliance review of the bank’s mortgage department operations as a mortgage broker and correspondent lender as applicable. The compliance review will focus on consumer and other federal regulatory areas, which will primarily include Truth in Lending, Fair Credit Reporting, Real Estate Settlement Procedures, Flood Insurance, Equal Credit Opportunity and Home Mortgage Disclosure. The review will include an interview of applicable personnel to gain an understanding of a bank’s operations and include a risk based sampling of loans / adverse actions documentation issued by the mortgage department for a specified period of time. The sampling will attempt to include all loan types, originators, and investors as the level of compliance may vary. In addition, a review of the bank’s compliance management system as related to the mortgage department will be completed. In addition, an independent review and testing of compliance with the Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E. Act) can be completed.