First American Data & Analytics’ RegsData® Compliance Solution Now Integrated with MeridianLink® Mortgage LOS

Key Terms

tila regulatory

The Truth in Lending Act (TILA) is a U.S. law that requires lenders to present clear, standardized information about credit offers—including interest rates, fees and the total cost—so borrowers can compare loans easily. For investors, TILA affects how banks and consumer lenders price products, manage compliance costs and handle legal risk; think of it as a nutrition label for loans that reduces surprises that can hurt a lender’s earnings.

hoepa regulatory

HOEPA is a U.S. consumer protection law that sets extra rules for high-cost home loans to prevent predatory lending — think of it as safety rails and warning signs for mortgages with very high rates or fees. It matters to investors because loans covered by HOEPA face stricter underwriting, disclosure and default-avoidance requirements, which can change how many loans get made, how they are priced, and the legal or credit risk carried by mortgage portfolios and securities.

loan origination system technical

A loan origination system is the software lenders use to handle the entire lifecycle of a loan application—from taking in an application and checking credit and documents to making approval decisions and disbursing funds. It matters to investors because the system drives how fast and cheaply a lender can underwrite loans, stay compliant, and scale business; think of it as the checkout and quality-control workflow that determines customer speed, error rates, and profit margins.

SANTA ANA, Calif.--(BUSINESS WIRE)-- First American Data & Analytics, a leading national provider of property-centric information, risk management and valuation solutions, and a division of First American Financial Corporation (NYSE: FAF), today announced that its powerful loan-level regulatory compliance tool, RegsData^®, is now fully integrated into the MeridianLink^® Mortgage loan origination system (LOS). This integration provides lenders with seamless, one-click access to compliance monitoring directly within the MeridianLink LOS environment, helping ensure loans meet regulatory and investor requirements before closing.

“Compliance is a moving target with rules and requirements constantly evolving at the federal, state and local levels. RegsData takes the guesswork out of compliance by regularly tracking regulatory changes and delivering an automated solution that flags potential compliance issues in real time,” said Jennifer Menard, senior director of product management. “With this integration into MeridianLink, we’re delivering convenience, speed and peace of mind that every loan meets the latest requirements before it closes.”

RegsData is a robust, interactive solution that compares loan data against current laws, regulations and investor guidelines. It alerts users to potential compliance violations and fee calculation issues early in the loan process, allowing lenders to correct issues before the loan is originated, ultimately reducing risk and supporting faster, more confident loan closings.

Key benefits of the integration include:

• Automatic compliance checks flagging issues related to TRID, QM, TILA, HOEPA and other regulatory violations, eliminating the need for manual review and optimizing workflows.
• Fully embedded functionality that enables users to review and act on compliance results without leaving the LOS environment.
• Quick and efficient ordering process with reports that are automatically delivered to the eDocs repository.
• Interactive PDF reports with clickable summaries linking directly to detailed result sections.
• Override capabilities for approved users to adjust fee treatments and condition tolerances.
• Historical access to prior orders and compliance reports.

"We’re excited to expand our long-standing partnership with First American Data & Analytics,” said JP Kelly, senior vice president of mortgage, MeridianLink. “The integration with their RegsData compliance solution provides MeridianLink lenders with seamless, one-click access to compliance monitoring to help ensure all loans meet regulatory and investor requirements before closing. We’re adding value for our MeridianLink Mortgage customers by supporting faster, more confident loan closings, and we’re expanding our MeridianLink Marketplace with solutions that drive origination efficiency and compliance.”

About First American Data & Analytics

First American Data & Analytics, a division of First American Financial Corporation, is a national provider of property-centric information, risk management and valuation solutions. First American maintains the industry’s largest public records property and ownership dataset that includes more than 8.6 billion document images. Its major platforms and products include: DataTree^®, FraudGuard^®, RegsData^®, First American TaxSource™ and ACI^®. Find out more about how First American Data & Analytics powers the real estate, mortgage and title settlement services industries with advanced solutions at www.FirstAmDNA.com.

About First American

First American Financial Corporation (NYSE: FAF) is a premier provider of title, settlement and risk solutions for real estate transactions. With its combination of financial strength and stability built over more than 135 years, innovative proprietary technologies, and unmatched data assets, the company is leading the digital transformation of its industry. First American also provides data products to the title industry and other third parties; valuation products and services; mortgage subservicing; home warranty products; banking, trust and wealth management services; and other related products and services. With total revenue of $6.1 billion in 2024, the company offers its products and services directly and through its agents throughout the United States and abroad. In 2025, First American was named one of the 100 Best Companies to Work For by Great Place to Work^® and Fortune Magazine for the tenth consecutive year. More information about the company can be found at www.firstam.com.

View source version on businesswire.com: https://www.businesswire.com/news/home/20251209646291/en/

Media Contact:

Marcus Ginnaty

Corporate Communications

First American Financial Corporation

(714) 250-3298

Investor Contact:

Craig Barberio

Investor Relations

First American Financial Corporation

(714) 250-5214

Source: First American Data & Analytics