compctl

Lending compliance checks for TRID, ATR/QM, HMDA, and ECOA. Part of the LendCtl Suite.

Features

• TRID Timing — LE/CD disclosure deadline tracking
• ATR/QM Check — Qualified mortgage determination
• Adverse Action — ECOA-compliant denial notices
• Risk Flags — Identify compliance issues early

Installation

npm install -g compctl

Quick Start

Check TRID Timing

compctl trid --app-date 2026-02-20 --closing-date 2026-03-15

Check ATR/QM Compliance

compctl atr --loan-amount 300000 --dti 42 --points-fees 5000

Generate Adverse Action Notice

# List standard reasons
compctl adverse --list-reasons

# Generate notice
compctl adverse --applicant "John Smith" --reasons "1,2,5"

Commands

compctl trid

Check TRID timing compliance.

Options:

• --app-date <date> - Application date (required)
• --le-date <date> - Loan Estimate disclosure date
• --cd-date <date> - Closing Disclosure date
• --closing-date <date> - Scheduled closing date

compctl atr

Check ATR/QM compliance.

Options:

• --loan-amount <amount> - Loan amount
• --dti <percent> - Debt-to-income ratio
• --points-fees <amount> - Points and fees
• --neg-am - Has negative amortization
• --interest-only - Has interest-only period
• --balloon - Has balloon payment

compctl adverse

Generate adverse action notice.

Options:

• --applicant <name> - Applicant name
• --reasons <codes> - Reason codes (1-16) or text
• --list-reasons - Show standard reasons

Compliance Regulations

TRID (TILA-RESPA Integrated Disclosure)

• Loan Estimate within 3 business days of application
• Closing Disclosure 3 business days before closing

ATR/QM (Ability to Repay / Qualified Mortgage)

• No risky features (neg-am, interest-only, balloon)
• Points and fees under 3% (for loans ≥$100k)
• DTI ≤43% for safe harbor

ECOA (Equal Credit Opportunity Act)

• Specific reasons required for adverse action
• Maximum 4 primary factors
• Standard notices required

License

Apache-2.0 © Satyan Avatara