Abstract: A computer-implemented system and method for mortgage lending management and compliance receives, from a user, lending transaction data for a loan, property and a borrower; automatically determines if the loan complies with legal requirements and/or requires counseling based on the presence of one or more triggers (i.e., indicia of subprime or predatory lending) in the data, and notifying parties of the determination; and receives, from a counselor, counseling data for the loan and borrower. After any necessary counseling has been obtained and the counselor supplies all needed data, a certificate may be generated evidencing a counseling determination. The certificate may be transmitted to an office of a recorder for a jurisdiction in which the property is located. Suspicious activity may be flagged for appropriate investigation and remedial action by an administrator. Further progress may be halted until the administrator provides responsive input.

Abstract: A computer-implemented method for credit transaction legal compliance includes creating a user account for a user; providing a source of law data applicable to credit transactions by the user; receiving credit transaction data for a transaction by the user; automatically comparing the credit transaction data for the transaction by the user with the law data applicable to the credit transaction by the user; and determining whether the credit transaction data for the transaction by the user complies with the law data applicable to the credit transaction by the user.

Abstract: A computer-implemented method for deferred presentment transaction legal compliance includes creating a user account for a user; providing a source of law data applicable to deferred presentment transactions by the user; receiving deferred presentment transaction data for a transaction by the user; automatically comparing the deferred presentment transaction data for the transaction by the user with the law data applicable to the deferred presentment transaction by the user; and determining whether the deferred presentment transaction data for the transaction by the user complies with the law data applicable to the deferred presentment transaction by the user.