| name | re-compliance-pack |
| description | Real Estate Compliance Skill Pack — Fair Housing auditor for MLS listings, follow-up cadence execution, and CMA disclosure formatting. Encodes HUD Fair Housing Act standards, NAR SOPs, and TRID compliance. Use when reviewing real estate listings for advertising violations, structuring transaction workflows, or documenting compliance. Lead skill RE-1 runs against live MLS remarks to catch banned words, protected-class implications, and compliance risks before publication. |
| paths | ["_active/re-compliance/**","_active/re-compliance/**","skills/re-compliance-pack/**"] |
| when_to_use | (1) Pre-publish MLS listing review for Fair Housing compliance — scanning advertising copy for banned words, cautionary terms, or protected-class implications. (2) Real estate transaction workflows — structuring follow-up cadences, calculating TRID timelines, or formatting CMA disclosures. (3) Compliance training or audit with real-world receipt generation. Trigger proactively when Jen shares an MLS listing draft or when reviewing real estate advertising. |
| version | 1.0 |
| format | compliance-audit-engine |
| workflows | 3 |
| domain | Real Estate Compliance (Fair Housing, Transaction Management, Disclosure) |
| authority | HUD Advertising Word/Phrase List (24 CFR §100.75), NAR Code of Ethics Article 12, 12 CFR §1026.19 (TRID) |
Real Estate Compliance Pack (RE-1, RE-2, RE-3)
Authority-sourced compliance automation. Three skills encode HUD Fair Housing standards, NAR transaction workflows, and Federal Reserve TRID timelines. Each produces a checkable, defensible output priced against real loss events and human coordination spend.
Domain
Real estate compliance — three narrowly-defined, regulation-backed tasks that reduce liability, accelerate close coordination, and document defensibility.
The Three Skills
| Skill | Task | Authority | Anchor Loss Event |
|---|
| RE-1 Fair Housing Listing Auditor (lead) | Pre-publish MLS remarks scan vs HUD banned/cautionary words + protected classes | HUD Ad Word List (24 CFR §100.75) + NAR Article 12 | $19,787 median first HUD violation fine |
| RE-2 Follow-Up Cadence Executor | Touch-ledger automation + speed-to-lead optimization (MIT Oldroyd: 100x contact odds drop at 30 min) | KW MREA 8x8/33-touch standard | $300-800/file coordination spend |
| RE-3 CMA Disclosure Formatter | Five mandatory NAR SoP 11-1 opinion-of-value disclosures, binary checkable | NAR Article 11 disclosure requirements | $25-200/mo CMA software replacement |
RE-1: Fair Housing Listing-Copy Auditor (THE LEAD)
The Problem
MLS listing descriptions violate Fair Housing Act prohibitions on protected-class advertising. Common violations:
- Direct bans: "Perfect for young families" (age implied), "walking distance to school" (families implied), "no smokers" (disability), "Christian community" (religion).
- Implicit codes: "safe neighborhood" (race/ethnicity), "retirees" (age), "ethnic cuisine nearby" (race/ethnicity), "quiet area" (disability).
- Disclosure failures: missing required compliance disclaimers.
Liability ceiling: First violation ~$19,787; multiple violations escalate to $20K+ per instance; pattern cases reach six figures. Listing agents coordinate the fix, which takes 30-90 min per correction.
What RE-1 Does
- Scans MLS remarks against HUD's Advertising Word/Phrase List (24 CFR §100.75)
- Flags three violation tiers:
- RED: Direct Fair Housing Act violations (must remove immediately)
