Oregon Borrower-Transaction Conduct Policy
Audit-ready written policy for the ten acts Oregon treats as a dishonest, fraudulent or illegal practice in a mortgage transaction — closing-date language, rate-lock agreements and rate availability, the builder and realtor relationship disclosure, advance-fee refunds, third-party cost accounting, post-denial documents, savings statements, the pre-signature gate, and the one-business-day funds release.
Tailored to your shop
Answer a few questions once and the policy assembles itself around your company — three ways.
Your identity
Legal name, NMLS ID, officers, comp figures, and dates fill in once and flow through every policy.
[Company Legal Name]Acme Mortgage, LLCWhat you do
Broker, banker, both, or servicing — sections that don’t apply disappear; the rest render the right version.
Where you’re licensed
A federal baseline honors any greater state rule, and state overlays layer each licensed state’s requirements on top.
Federal baseline+ CA · TX · FLBuild your whole compliance program
Most shops start with the package that matches what they do, then fill gaps à la carte. Either way, every policy is tailored, trained, and kept current.