Abstract: A system and method for specifying elections in one or more designated lender compliance profiles that include statutory election, exportation election, most favored lender election, preemption election and non-electable regulatory requirements. A set of computer-encoded compliance rules applicable to a particular financial institution is derived from a lender compliance profile. This designated set of computer-encoded and computer-executed compliance rules derived from a compliance profile may be used to determine regulatory compliance assessment of lender compliance review computer data files. The requirements of the computer-encoded compliance rules are traceable to one or more state jurisdictions, including home state, property state, and target state.