Compliance

Comprehensive Compliance. Unmatched Confidence.

Gate House delivers continuous, high-level oversight for financial institutions navigating today’s most complex regulatory landscape. From proactive risk management to actionable guidance, we help C-suites and boards stay exam-ready, reduce exposure, and maintain operational excellence.

Top Experience Our Value Our Clients Services

A comprehensive, high-level compliance solution for today’s most demanding regulatory environment.

Financial institutions are navigating one of the most complex and fast-changing regulatory landscapes in history. Uncertainty in the federal and state roles, enforcement, and oversight creates the continuous challenge of doing the right thing, ensuring a firm’s adherence to the letter and spirit of the law, and managing risks. For C-suites and boards, ensuring compliance has become a mission-critical responsibility, with mismanaged regulatory risk becoming a silent threat to business reputation, bottom line, and even their ability to conduct business.

With deep knowledge of lending, servicing, and regulatory frameworks and a keen understanding of the risks associated with non-compliance, including litigation, Gate House experts delivers a comprehensive, ongoing compliance solution built for C-suites, boards, lenders, and servicers.

Compliance today demands consistency, documentation, defensibility, and proactive risk management. Gate House provides institutions direct access to the advisory, tools, and intelligence needed to stay protected and ahead of regulatory scrutiny.

With overlapping and sometimes conflicting rules coming from more than a dozen federal agencies, not to mention state regulators, firms need a compliance structure that is unified, accurate, and exam-ready at all times.

Our advisors have served at the highest levels of government, the GSEs, and private sector. We work directly with top executives across the industry who come to us for a more comprehensive, informed, and actionable approach to evaluating and strengthening compliance performance.

Experience that Matters

Gate House Compliance brings together leading experts across lending and servicing, including former senior executives from:

HUD / Ginnie Mae – Deputy Secretary
FHA – Commissioner, Chief Risk Officer
Fannie Mae – SVP of Credit Default, VP of Master Servicing
Freddie Mac – Chief Credit Officer
FHFA – Senior Executive
Private Sector – Board Members, General Counsel and Chief Compliance Officer
Cadre of industry expert consultants

Working at the intersection of policy, operations, risk, and market conditions, our senior financial services executives and former regulators provide the most comprehensive, sophisticated compliance and expert witness support available.

Our Value

Ongoing, high-level compliance support for leadership.

The stakes are high: mismanaged regulatory risk threatens reputation, revenue, and in some cases, a firm’s ability to operate. Yet many executives face a real gap between what regulators expect and the visibility they have into their organization’s compliance health.

Gate House Compliance was created to close that gap.

Gate House Compliance 365 delivers a new coordinated, dynamic approach to managing regulatory risks that complements and strengthens your existing compliance program. Clients can select individual services or take advantage of the full subscription model.

Our advisors provide:

Complete visibility into compliance performance
Proactive identification of regulatory risks
Strategic guidance informed by decades of senior-level experience
Practical, actionable solutions that reduce exposure
Board- and C-suite-level insight to support governance obligations

This is a new approach to compliance—structured, continuous, and built for real-world accountability.

Who We Serve

Clients across the financial services and mortgage ecosystem rely on Gate House to navigate federal, state, and local requirements, including oversight from major regulators and housing finance agencies. We support financial institutions across asset classes, including:

Mortgage lending
Mortgage servicing
Law Firms representing Financial Services clients
Insurers
Other secured/unsecured credit products

Our Services

Core Compliance Services

Fair lending and servicing assessments
Compliance monitoring, targeted reviews, reporting, and governance tools
Risk mitigation strategies (policy, data integrity, analytics, legal/regulatory)
Compliance Management System (CMS) reviews
Exam and audit preparation and support
Litigation support and strategic legal insight
Enforcement and consent order support
Intelligence on government policy, agency actions, exams, conflicts, and trends
Reviews for discrimination, redlining, deceptive advertising, pricing, and credit access
Guidance on algorithms, AI, models, and black-box decisioning

Fair Housing Services

Ongoing monitoring (outsourced or oversight support)
Due diligence
Exam and audit support
Consent order and enforcement support
Legal review & litigation support

Fair Lending Services

Risk assessments
Program reviews
Performance analysis
Servicing analysis
Comparative and single-file reviews
HMDA policy & procedure review
HMDA data integrity analysis
Legal review & litigation support

Regulators and Enforcement Agencies

Department of Justice (DOJ)

The civil rights division works to protect some of the most fundamental rights of individuals, including the right to access housing free from discrimination, the right to access credit on an nondiscriminatory basis.

Go to Department of Justice (DOJ)

Consumer Financial Protection Bureau (CFPB)

The Consumer Financial Protection Bureau is a 21st century agency that implements and enforces Federal consumer financial law and ensures that markets for consumer financial products are fair, transparent, and competitive.

Go To Consumer Financial Protection Bureau(CFPB)

Office of the Comptroller of the Currency (OCC)

The OCC charters, regulates, and supervises all national banks and federal savings associations as well as federal branches and agencies of foreign banks. The OCC is an independent bureau of the U.S. Department of the Treasury.

Go To Office of the Comptroller of the Currency (OCC)

Federal Deposit Insurance Corp. (FDIC)

The Federal Deposit Insurance Corporation (FDIC) is an independent agency created by the Congress to maintain stability and public confidence in the nation’s financial system. The FDIC insures deposits; examines and supervises financial institutions for safety, soundness, and consumer protection; makes large and complex financial institutions resolvable; and manages receiverships.

Go To Federal Deposit Insurance Corp. (FDIC)

Federal Reserve

The Federal Reserve System is the central bank of the United States. It performs five general functions to promote the effective operation of the U.S. economy and, more generally, the public interest; monetary policy, stability of the financial system, safety, and soundness of individual financial institutions, fosters payment and settlement system safety and promotes consumer protection and community development.

Go To Federal Reserve

Federal Housing Finance Agency (FHFA)

FHFA is responsible for the effective supervision, regulation, and housing mission oversight of the Federal National Mortgage Association (Fannie Mae), the Federal Home Loan Mortgage Corporation (Freddie Mac), and the Federal Home Loan Bank System (FHLB).

Go To Federal Housing Finance Agency (FHFA)

Financial Crimes Enforcement Network (FinCEN)

FinCEN is a bureau of the U.S. Department of the Treasury. FinCEN’s mission is to safeguard the financial system from illicit use and combat money laundering and promote national security through the collection, analysis, and dissemination of financial intelligence and strategic use of financial authorities.

Go To Financial Crimes Enforcement Network (FinCEN)

National Credit Union Administration (NCUA)

Created by the U.S. Congress in 1970, the National Credit Union Administration is an independent federal agency that insures deposits at federally insured credit unions, protects the members who own credit unions, and charters and regulates federal credit unions.

Go To National Credit Union Administration (NCUA)

U.S. Department of Housing and Urban Development

Department of Housing and Urban Development (HUD)

HUD’s mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. HUD is working to strengthen the housing market to bolster the economy and protect consumers; meet the need for quality affordable rental homes; utilize housing as a platform for improving quality of life; build inclusive and sustainable communities free from discrimination; and transform the way HUD does business.

Go To Department of Housing and Urban Development (HUD)

Federal Housing Administration (FHA)

Serves the nation’s homebuyers, homeowners, renters, and communities through nationwide programs that support safe, sustainable, and affordable housing and access to quality healthcare. The Office of Housing is the largest Office within the U.S. Department of Housing and Urban Development.

Go to Federal Housing Administration (FHA)

The FTC enforces laws that protect consumers from deceptive mortgage practices by certain kinds of lenders. The FTC also takes action when companies use illegal tactics directed to people facing foreclosure. If your company is within the jurisdiction of the FTC, are you complying with the law? Go To

Go To Federal Trade Commission (FTC)

Compliance