# ClosingLens — AI Context

## What This Is
ClosingLens is a 50-state mortgage compliance intelligence platform. It indexes mortgage-relevant statutory provisions from official state codes and federal law, organized into 10 regulatory categories designed for compliance officers at integrated real estate brokerage and mortgage lending operations.

## Data Source
All data is sourced from the Neural Knowledge Base (NKB Law) — 29,672 mortgage compliance statutory sections across 51 jurisdictions (50 states + federal), enriched with 6Q semantic analysis.

## Categories
- RESPA Compliance — settlement procedures, fee tolerances, provider lists
- Affiliated Business — AfBA disclosures, kickback prohibitions, MSAs
- Loan Origination — MLO licensing, compensation, QM/ATR
- Disclosure & Timing — TILA, Loan Estimate, Closing Disclosure, rescission
- Title Insurance — rate regulation, agent licensing, controlled agencies
- Escrow & Servicing — escrow management, servicing transfers, loss mitigation
- Fair Lending — ECOA, Fair Housing, HMDA, anti-discrimination
- Appraisal — FIRREA, appraiser independence, AMC regulation
- Foreclosure — judicial vs. non-judicial, dual tracking, redemption rights
- State Licensing — SAFE Act implementation, surety bonds, net worth

## Aquinas Score
Every state receives a Thomistic justice evaluation based on six dimensions from the Summa Theologiae. The score is academic, non-partisan, and universal across all NKB Lens products.

## Limitations
- Statutory text only — does not include CFPB guidance, bulletins, or administrative rules beyond Reg X and Reg Z
- Does not include case law
- AI-generated summaries may contain errors
- Not legal advice

## Related
- HomeSight (broad real estate) — homesight.intentgate.ai
- NKB Law (full corpus) — nkblaw.intentgate.ai