Automatically check hundreds of lending rules from Federal to County level within seconds.

1. PredProtect
Chris Bruner, Sales Director-East, QC & Compliance
Catch violations before someone else does.TM
© 2013 Interthinx, Inc.. All Rights Reserved. Interthinx is a registered trademark of Verisk Analytics.

2. Experience Matters.
What Is Interthinx
700+ Professionals In 10 Offices
 Risk
 Compliance
 QC Services
 Analytics
 Automation and Human Powered Solutions
 Pre- and Post-Funding
Great customer service!

3. Experience Matters.
The Compliance Problem
Ensuring 100% compliance early and efficiently.The Challenge:
8.6 Million 258,0002012 Originations Bad Loans
3%Error Rate
in Compliance
 Dodd-Frank Rulemaking
 State High-Cost Changes
 Greatly enhanced enforcement by CFPB
The Problem
The Solution
 Real-time compliance data check against hundreds of federal, state and local rule
sets and a fees engine containing over 66,000 variations eliminates error.

4. Experience Matters.
Interthinx Responds to the Dodd-Frank Act

5. Experience Matters.
MDIA
NMLS
PredProtect Feature Review
 HOEPA / Sec. 32 ─ High-Cost
 Sec. 35 ─ Higher-Priced Mortgage Loans
 State Anti-Predatory Lending Laws
 Local Anti-Predatory Lending Ordinances
 State Subprime Loan Laws
 FNMA 5% Fees Test
 Allowable/Restricted Fees (Client Driven)
 Usury (Client Driven)
 Prepayment Penalties
 Disclosure Timing Verification
Anti-Predatory Lending
State Consumer Laws
TILA
RESPA
 APR / Finance Charge Calculation
 Payment Stream Verification
 Prepaid Finance Charge Determinations
 NMLS License Verification*
 GFE and HUD-1 Comparisons*
 QM*
 QRM*
 New HOEPA/ State Law Changes*
 NewAppraisal Requirements*
*ComingSoon
Dodd-FrankAct
Uniform testing for all loans

6. Experience Matters.
State Laws
Testing that goes beyond high-cost

7. Experience Matters.
• PredProtect covers HOEPA, TILA, RESPA, QM and SAFE Act
with proven automation
• New Dodd-Frank Act tests completed by October, 2013
• System can be fully automated with hard stops
• Promote uniformity
• Reduce Dodd-Frank anxiety
Key Takeaways