Compliance

Regulatory Compliance
MCP Services

Ten MCP services for the Compliance department — each callable by any AI assistant to deliver real-time regulatory change monitoring, disclosure checking, privacy policy analysis, cross-border mapping, license verification, and vendor compliance screening using web scraping, AI analysis, and the 100M+ domain database.

1Regulatory Website Change Monitor

Monitors regulatory body websites (Fed, OCC, FDIC, SEC, CFPB) for new rules, guidance, enforcement actions by scraping and using AI to classify changes — providing compliance teams with early alerts on regulatory developments.

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MCP Tool Definition
Web Scraping GPT-4o Domain DB Change Detection
regulatory_website_change_monitor regulators: array — ["fed","occ","fdic","sec","cfpb","fincen","state"] regulators to monitor categories: array — ["rules","guidance","enforcement","speeches","notices"] to track lookback_hours: integer — Hours to look back for changes (default: 24) relevance_filter: string — "commercial_banking","consumer","capital_markets","all"
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AI Processing Pipeline
PROCESSING PIPELINE ════════════════════════════════════════════════════════════ Step 1: Scrape regulatory body websites: federalreserve.gov, occ.gov, fdic.gov, sec.gov, consumerfinance.gov Step 2: Compare current page content against cached baseline snapshots Step 3: Extract new documents: rules, guidance memos, enforcement orders, speeches Step 4: Send each new item to GPT-4o for classification by type and affected area Step 5: AI scores relevance to your institution's business lines (0-100) Step 6: Cross-reference with domain DB to identify affected entities in portfolio Step 7: Generate structured alert feed with priority ranking and action deadlines
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Example Output
MCP RESPONSE — regulatory_website_change_monitor ════════════════════════════════════════════════════════════ SCAN PERIOD: Last 24 hours | Regulators: 5 | Changes detected: 14 CRITICAL ALERTS (3): CFPB-2026-0312 — Final Rule: Enhanced Fee Disclosure Requirements Source: consumerfinance.gov/rules-policy/final-rules Type: Final Rule | Effective: 2026-09-01 | Comment period: Closed Impact: HIGH — Requires revised fee schedules on all consumer product pages Action: Update website fee disclosures within 180 days OCC-2026-08 — Guidance on Third-Party Risk Management Updates Source: occ.gov/news-issuances/bulletins Type: Supervisory Guidance | Effective: Immediate Impact: HIGH — New vendor due diligence documentation requirements Action: Review all third-party vendor agreements by Q3 2026 SEC-34-99847 — Proposed Amendment: Digital Asset Custody Rules Source: sec.gov/rules/proposed Type: Proposed Rule | Comment deadline: 2026-06-15 Impact: MEDIUM — Affects digital asset custody operations Action: Prepare comment letter, assess custody program gaps INFORMATIONAL UPDATES (11): Fed speech: Governor Waller on interest rate outlook (Low relevance: 12) FDIC quarterly banking profile published (Informational) CFPB blog post on consumer complaint trends (Low relevance: 18) PORTFOLIO IMPACT: 847 consumer lending domains affected by CFPB fee disclosure rule 23 vendor relationships require updated due diligence per OCC guidance

2Compliance Disclosure Checker

Scrapes company websites for required regulatory disclosures (FDIC member badges, equal housing logos, privacy notices, NMLS numbers) and flags missing items — ensuring all public-facing pages meet disclosure requirements.

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MCP Tool Definition
Web Scraping Vision AI Domain DB
compliance_disclosure_checker domain: string — Target institution domain to audit (e.g. "firstnationalbank.com") institution_type: string — "bank","credit_union","mortgage","broker_dealer","fintech" scan_depth: string — "homepage" | "key_pages" | "full_site" (default: "key_pages") check_visual: boolean — Use Vision AI to detect logos/badges (default: true)
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AI Processing Pipeline
PROCESSING PIPELINE ════════════════════════════════════════════════════════════ Step 1: Query domain DB for institution category, country, and regulatory jurisdiction Step 2: Scrape homepage, footer, /about, /contact, product landing pages Step 3: Screenshot each page for Vision AI logo/badge detection Step 4: AI scans for: FDIC member badge, Equal Housing logo, NMLS number, privacy notice link Step 5: Check for required text disclosures: APR disclaimers, deposit insurance notices Step 6: Cross-reference found disclosures against regulatory requirements for institution type Step 7: Generate compliance checklist with pass/fail for each required disclosure
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Example Output
MCP RESPONSE — compliance_disclosure_checker ════════════════════════════════════════════════════════════ firstnationalbank.com | Type: Bank | Pages scanned: 34 DISCLOSURE AUDIT SCORE: 72/100 (7 issues found) REQUIRED BADGES & LOGOS: FDIC Member badge: PASS — Found in footer (all pages) Equal Housing Lender: FAIL — Missing from /mortgage and /home-loans pages Equal Housing logo: PARTIAL — Present on homepage, absent on 12 product pages ADA accessibility icon: PASS — Found in footer with link to accessibility statement REQUIRED TEXT DISCLOSURES: NMLS number: PASS — NMLS #482917 displayed in footer Privacy notice link: PASS — Links to /privacy-policy (last updated 2025-11-20) Deposit insurance notice:FAIL — Missing from /savings and /cd-rates pages APR disclosure: FAIL — /personal-loans shows rate without APR disclaimer Fee schedule link: PARTIAL — Found on /checking, missing from /business-accounts REGULATORY RISK ITEMS: Equal Housing logo absent on mortgage-related pages — ECOA/Fair Housing violation risk APR disclosure missing on lending pages — TILA compliance gap Privacy notice is 16 months old — recommend review for current accuracy REMEDIATION PRIORITY: P1 (Immediate): Add Equal Housing logo to mortgage pages, add APR disclosures P2 (30 days): Add deposit insurance notice to savings pages, update fee links P3 (Routine): Review and update privacy policy

3Privacy Policy Analyzer

Scrapes /privacy pages and uses AI to score compliance with CCPA, GDPR, GLBA requirements. Detects outdated policies, missing clauses, inconsistencies between stated practices and actual website data collection behavior.

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MCP Tool Definition
Web Scraping GPT-4o Domain DB Cookie Scanner
privacy_policy_analyzer domain: string — Target domain to analyze (e.g. "megabank.com") frameworks: array — ["ccpa","gdpr","glba","coppa","state_privacy"] frameworks to check compare_practices: boolean — Cross-check policy text against actual data collection (default: true) jurisdiction: string — Override auto-detected jurisdiction from domain DB
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AI Processing Pipeline
PROCESSING PIPELINE ════════════════════════════════════════════════════════════ Step 1: Scrape /privacy, /privacy-policy, /legal/privacy pages and extract full policy text Step 2: Query domain DB for country, category, and operational jurisdictions Step 3: Send policy text to GPT-4o with framework-specific compliance checklist Step 4: AI evaluates clause-by-clause coverage: data types, purposes, rights, retention Step 5: Scan website for actual data collection: cookies, forms, third-party trackers, pixels Step 6: Cross-reference stated practices vs. observed behavior to detect inconsistencies Step 7: Score compliance per framework and generate gap analysis with remediation steps
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Example Output
MCP RESPONSE — privacy_policy_analyzer ════════════════════════════════════════════════════════════ megabank.com | Policy last updated: 2024-08-14 | Jurisdictions: US (50 states), EU, UK OVERALL PRIVACY COMPLIANCE: 58/100 GLBA COMPLIANCE: 64/100 Initial privacy notice: PASS — Provided at account opening reference found Annual notice requirement: UNCLEAR — No evidence of annual distribution mechanism Opt-out rights: PASS — Opt-out for information sharing described Safeguards disclosure: FAIL — No description of security safeguards CCPA COMPLIANCE: 52/100 Categories of PI collected: PASS — 8 categories listed Right to delete: PASS — Described with submission process Right to opt-out of sale: FAIL — No "Do Not Sell" link found on any page Data retention periods: FAIL — "As long as necessary" — no specific periods Authorized agent process: FAIL — Not addressed in policy GDPR COMPLIANCE: 41/100 Legal basis for processing: FAIL — No legal basis specified for any processing DPO contact information: FAIL — No DPO listed despite EU operations Cross-border transfer: PARTIAL — Mentioned but no SCCs or adequacy references Cookie consent mechanism: FAIL — No cookie consent banner detected for EU visitors PRACTICE vs. POLICY INCONSISTENCIES: Policy states "no third-party tracking" — but 14 third-party trackers detected Facebook Pixel, Google Analytics, Hotjar found — not disclosed in policy Policy says "no cookies without consent" — 23 cookies set before any consent REMEDIATION PRIORITY: CRITICAL: Add "Do Not Sell" link, update third-party tracking disclosures HIGH: Implement GDPR-compliant cookie consent, appoint DPO MEDIUM: Add specific data retention periods, update policy date

4Terms of Service Compliance Scanner

Analyzes /legal and /terms pages for regulatory compliance: fair lending language, fee disclosure requirements, complaint procedures, arbitration clauses, and consumer protection provisions required by banking regulators.

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MCP Tool Definition
Web Scraping GPT-4o Regulatory DB
tos_compliance_scanner domain: string — Target institution domain to scan product_types: array — ["deposit","lending","mortgage","investment","credit_card"] products to check check_unfair_terms: boolean — Flag potentially unfair/unconscionable terms (default: true) jurisdiction: string — State/federal jurisdiction for specific requirements
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AI Processing Pipeline
PROCESSING PIPELINE ════════════════════════════════════════════════════════════ Step 1: Scrape /terms, /legal, /terms-of-service, /account-agreement pages Step 2: Scrape product-specific terms: /mortgage-terms, /card-agreement, /deposit-agreement Step 3: Send full terms text to GPT-4o with regulatory compliance template Step 4: AI checks: fair lending language, fee transparency, complaint procedures, arbitration Step 5: Flag potentially unfair, deceptive, or abusive terms (UDAAP analysis) Step 6: Compare terms against regulatory model clauses and recent consent orders
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Example Output
MCP RESPONSE — tos_compliance_scanner ════════════════════════════════════════════════════════════ regionallending.com | Products: Mortgage, Personal Loans, Credit Card Terms pages found: 6 | Total clauses analyzed: 248 COMPLIANCE SCORE: 61/100 (12 issues identified) FAIR LENDING LANGUAGE: Non-discrimination statement: PASS — Present in mortgage terms Equal opportunity notice: FAIL — Missing from personal loan terms Protected class language: PARTIAL — Incomplete list (missing disability, familial status) FEE DISCLOSURES: Overdraft fee amount: PASS — $35 clearly stated Late payment fee: FAIL — Described as "applicable late fee" without amount Prepayment penalty: FAIL — Mortgage terms reference penalty but no calculation method Annual fee: PASS — Credit card annual fee clearly disclosed COMPLAINT PROCEDURES: Internal complaint process: PASS — Phone and email channels provided Regulatory complaint notice: FAIL — No reference to CFPB complaint filing Response timeline: PARTIAL — "Timely manner" stated, no specific days POTENTIALLY UNFAIR TERMS: Unilateral amendment clause — bank can change terms "at any time without notice" Forced arbitration without clear opt-out mechanism — CFPB scrutiny risk Class action waiver — enforceable but regulatory attention increasing RECENT CONSENT ORDER COMPARISON: Late fee language matches pattern cited in CFPB-2025-0089 consent order Arbitration clause similar to terms challenged in recent state AG actions REMEDIATION ACTIONS: P1: Add specific fee amounts, add CFPB complaint notice, fix fair lending gaps P2: Review arbitration clause, add amendment notice period, specify complaint timeline

5Cross-Border Regulatory Mapper

Uses domain DB country data to map regulatory requirements for companies operating across jurisdictions. Identifies compliance gaps by geography, flags conflicting regulatory obligations, and generates jurisdiction-specific compliance checklists.

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MCP Tool Definition
Domain DB GPT-4o Web Scraping Geo Detection
cross_border_regulatory_mapper domain: string — Primary domain of the institution to map include_subsidiaries: boolean — Scan for subsidiary domains in domain DB (default: true) regulation_areas: array — ["banking","securities","privacy","aml","consumer_protection"] report_format: string — "matrix" | "narrative" | "checklist" (default: "matrix")
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AI Processing Pipeline
PROCESSING PIPELINE ════════════════════════════════════════════════════════════ Step 1: Query domain DB for target domain country, TLD, and language data Step 2: Search domain DB for related domains (same registrant, brand, or org) Step 3: Scrape each domain for operational footprint clues: office addresses, service regions Step 4: AI maps detected jurisdictions to regulatory frameworks (EU/MiFID, US/Dodd-Frank, UK/FCA, etc.) Step 5: Identify overlapping and conflicting requirements across jurisdictions Step 6: Generate compliance gap matrix with jurisdiction-specific action items
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Example Output
MCP RESPONSE — cross_border_regulatory_mapper ════════════════════════════════════════════════════════════ globalfinancecorp.com | Subsidiaries found: 7 domains across 5 jurisdictions JURISDICTIONAL FOOTPRINT: globalfinancecorp.com — US (Delaware) | Fed, OCC, SEC, CFPB globalfinance.co.uk — UK | FCA, PRA, ICO globalfinance.de — Germany | BaFin, ECB, DPA globalfinance.sg — Singapore | MAS globalfinancecorp.com.au — Australia | APRA, ASIC REGULATORY COMPLIANCE MATRIX: Banking Privacy AML Consumer Securities US (Fed/OCC) PASS GAPS PASS GAPS PASS UK (FCA/PRA) PASS FAIL PASS PASS PASS EU (BaFin/ECB) PASS FAIL GAPS PASS GAPS Singapore (MAS) PASS PASS PASS PASS PASS Australia (APRA) GAPS GAPS PASS FAIL PASS CROSS-BORDER CONFLICTS: GDPR vs. US Patriot Act — Data localization conflicts on customer records UK post-Brexit divergence — FCA rules differ from EU MiFID II on reporting AU CDR requirements not reflected on .com.au domain CRITICAL GAPS: UK/EU privacy: No GDPR-compliant processing records on European domains AU consumer: Missing Australian Financial Complaints Authority reference EU AML: 6th Anti-Money Laundering Directive requirements not fully addressed

6Financial License Verifier

Scrapes state and federal regulator websites to verify license status for financial institutions. Cross-references with company website claims to identify expired licenses, missing state authorizations, or fraudulent license displays.

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MCP Tool Definition
Web Scraping GPT-4o Domain DB NMLS Lookup
financial_license_verifier domain: string — Target institution domain to verify license_types: array — ["banking","mortgage","money_transmitter","broker_dealer","insurance"] states: array — US states to check (default: all 50 + DC) verify_claims: boolean — Cross-check website claims against regulator records (default: true)
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AI Processing Pipeline
PROCESSING PIPELINE ════════════════════════════════════════════════════════════ Step 1: Scrape target website for displayed license numbers, NMLS IDs, and regulatory claims Step 2: Extract claimed operating states from website /locations, /states-served pages Step 3: Scrape NMLS Consumer Access (nmlsconsumeraccess.org) for license verification Step 4: Query state regulator websites for active license status in each claimed state Step 5: AI compares website claims vs. actual regulator records — flag discrepancies Step 6: Check for enforcement actions, restrictions, or conditions on active licenses Step 7: Generate verification report with pass/fail per state and license type
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Example Output
MCP RESPONSE — financial_license_verifier ════════════════════════════════════════════════════════════ quicklendfinance.com | NMLS #: 1847293 (claimed) | License types: Mortgage, Money Transmitter VERIFICATION STATUS: CRITICAL ISSUES FOUND NMLS VERIFICATION: NMLS #1847293: CONFIRMED — Entity matches "QuickLend Finance LLC" Federal registration: VALID — Active with no restrictions Company status: ACTIVE — Good standing STATE MORTGAGE LICENSE VERIFICATION: Website claims: "Licensed in 42 states" NMLS records show: 38 active state licenses California (CA-DBO): ACTIVE — License #4182947, expires 2026-12-31 New York (NY-DFS): ACTIVE — License #ML-293847, expires 2027-03-31 Texas (TX-SML): EXPIRED — License #28471 expired 2025-09-30 (not renewed) Florida (FL-OFR): SUSPENDED — Consent order FL-2026-0034 (Jan 2026) Ohio (OH-DFI): NOT FOUND — No record despite website claiming Ohio service Illinois (IL-IDFPR): CONDITIONAL — Additional reporting required per IL-2025-118 WEBSITE CLAIM DISCREPANCIES: "Licensed in 42 states" — Only 38 active licenses found (4 states unverified) Texas page still active despite expired license — operating without license risk Florida page still accepting applications despite suspended license Ohio listed in state dropdown but no license on record ENFORCEMENT ACTIONS: FL-OFR Consent Order FL-2026-0034: Improper fee disclosure practices IL-IDFPR Conditional: Enhanced compliance reporting through 2026 RISK ASSESSMENT: CRITICAL — Operating in states without valid licenses detected Immediate action: Disable TX and FL lending pages, verify OH authorization

7Consumer Protection Compliance Checker

Scrapes financial product pages for UDAAP compliance: misleading language, hidden fees, deceptive marketing practices using AI analysis — identifying unfair, deceptive, or abusive acts or practices before regulators do.

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MCP Tool Definition
Web Scraping GPT-4o Vision AI CFPB Patterns
consumer_protection_compliance_checker domain: string — Target institution domain to audit product_pages: array — Specific product URLs to check (or auto-discover) udaap_categories: array — ["unfair","deceptive","abusive"] categories to focus on screenshot_analysis: boolean — Use Vision AI for dark pattern detection (default: true)
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AI Processing Pipeline
PROCESSING PIPELINE ════════════════════════════════════════════════════════════ Step 1: Scrape all consumer product pages: checking, savings, loans, credit cards, mortgage Step 2: Screenshot each product page for visual dark pattern analysis Step 3: AI analyzes text for misleading claims, hidden fees, confusing language Step 4: Vision AI detects: tiny disclaimers, pre-checked boxes, hidden costs, confusing layouts Step 5: Cross-reference detected patterns against CFPB enforcement action database Step 6: Score each finding by UDAAP category: Unfair, Deceptive, or Abusive Step 7: Generate compliance report with specific page locations and remediation steps
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Example Output
MCP RESPONSE — consumer_protection_compliance_checker ════════════════════════════════════════════════════════════ valuefirstbank.com | Product pages scanned: 18 | Issues found: 9 UDAAP RISK SCORE: HIGH (34/100) DECEPTIVE PRACTICES (5 findings): /checking — "Free Checking" headline but $12/mo fee in 6pt footnote CFPB pattern match: Similar to CFPB-2024-0156 (National Bank, $3.2M fine) Location: Hero banner vs. footnote 847px below fold /savings — "5.00% APY" displayed but only for first 3 months Teaser rate not clearly identified as introductory Ongoing rate (0.50% APY) buried in terms link /credit-card — "No Annual Fee" but $95 fee applies after first year Asterisk present but disclaimer text color nearly matches background /mortgage — "Lowest Rates Guaranteed" without qualification criteria Comparative claim without substantiation /personal-loans — "Instant Approval" language for product requiring underwriting UNFAIR PRACTICES (2 findings): /checking — Overdraft opt-in pre-selected in account application form Dark pattern: Pre-checked checkbox, requires action to opt out CFPB guidance: Opt-in must be affirmative (not pre-selected) /cd-rates — Early withdrawal penalty not disclosed until after rate lock ABUSIVE PRACTICES (2 findings): /credit-card-upgrade — Upgrade flow obscures loss of existing benefits Consumer cannot reasonably understand they lose cash-back rate /overdraft-protection — Complex fee structure exploits consumer confusion VISUAL DARK PATTERNS DETECTED: 3 pages use disclaimer text below 8pt font size 2 pages have fee disclosures in low-contrast color (#999 on #fff) 1 pre-checked opt-in box detected in application flow ENFORCEMENT RISK: 5 findings match patterns from recent CFPB consent orders (2024-2026) Estimated exposure: $1.5M-$5M based on comparable enforcement actions

8Data Protection Impact Assessor

Analyzes website data collection practices (cookies, forms, third-party scripts) and scores data protection compliance using AI classification — detecting gaps in consent management, excessive data collection, and insecure transmission practices.

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MCP Tool Definition
Web Scraping GPT-4o Script Analysis Domain DB
data_protection_impact_assessor domain: string — Target domain to assess scan_scope: string — "public_pages" | "application_flows" | "full_site" (default: "public_pages") frameworks: array — ["gdpr","ccpa","glba","pci_dss"] compliance frameworks to assess include_third_parties: boolean — Analyze third-party script data flows (default: true)
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AI Processing Pipeline
PROCESSING PIPELINE ════════════════════════════════════════════════════════════ Step 1: Crawl website and catalog all forms, input fields, and data collection points Step 2: Inventory all cookies (first-party and third-party) set during browsing session Step 3: Detect and classify all third-party JavaScript: analytics, advertising, chat, social Step 4: Map data flows: what data goes where, which third parties receive PII Step 5: AI classifies each data collection point by sensitivity: PII, financial, biometric, health Step 6: Check for consent mechanisms, encryption, and data minimization practices Step 7: Score against selected frameworks and generate DPIA summary report
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Example Output
MCP RESPONSE — data_protection_impact_assessor ════════════════════════════════════════════════════════════ communitybankonline.com | Pages crawled: 67 | Data points cataloged: 234 DATA PROTECTION SCORE: 54/100 DATA COLLECTION INVENTORY: Forms detected: 14 (account opening, loan apps, contact, newsletter) PII fields: 89 fields collecting personal data across all forms Financial data: SSN, income, account numbers on 4 forms Sensitive data: Collects DOB + SSN + mother's maiden name on single page COOKIE ANALYSIS: Total cookies: 47 cookies set during session First-party: 8 (session, preferences) — Appropriate Third-party: 39 tracking cookies from 14 different domains Persistent cookies: 12 cookies with 365+ day expiry Consent obtained: NO — No cookie consent mechanism detected THIRD-PARTY SCRIPTS: Google Analytics (GA4) — Collecting page views, user behavior, demographics Facebook Pixel — Firing on loan application pages (PII exposure risk) Hotjar — Session recording active on account login page Intercom — Chat widget collecting name, email before conversation Cloudflare — CDN/security only, minimal data processing DATA FLOW CONCERNS: Facebook Pixel on /apply page — SSN page URL sent to Meta servers Hotjar recording on /login — Potential credential capture in replays Google Analytics collecting IP addresses without anonymization FRAMEWORK COMPLIANCE: GLBA Safeguards: 38/100 — Third-party scripts on financial data pages GDPR: 29/100 — No consent mechanism, no DPO, excessive tracking CCPA: 45/100 — No opt-out mechanism for data sale/sharing PCI DSS: 52/100 — Third-party scripts on pages near payment flows CRITICAL REMEDIATIONS: IMMEDIATE: Remove Facebook Pixel and Hotjar from financial application pages URGENT: Implement cookie consent management platform 30-DAY: Audit all third-party scripts, implement Content Security Policy

9Advertising Compliance Scanner

Scrapes financial marketing and advertising pages for compliance issues: APR disclosures, risk disclaimers, performance claims, equal housing notices — ensuring all public-facing marketing materials meet Truth in Lending and advertising regulations.

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MCP Tool Definition
Web Scraping Vision AI GPT-4o Reg Ad Rules
advertising_compliance_scanner domain: string — Target institution domain to scan ad_types: array — ["landing_pages","banners","rate_pages","promotions","social_embeds"] regulations: array — ["tila","reg_z","reg_n","fair_lending","state_specific"] to check visual_scan: boolean — Screenshot ads for font size and prominence analysis (default: true)
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AI Processing Pipeline
PROCESSING PIPELINE ════════════════════════════════════════════════════════════ Step 1: Scrape product marketing pages, landing pages, rate tables, promotional banners Step 2: Screenshot each ad/marketing element for visual compliance analysis Step 3: AI extracts all rate claims, fee references, performance statements, guarantees Step 4: Check TILA/Reg Z triggers: if rate quoted, are APR and terms prominently disclosed? Step 5: Vision AI measures disclaimer font sizes, contrast ratios, placement prominence Step 6: Flag Reg N violations: mortgage advertising deceptive practices Step 7: Compare against fair lending advertising requirements and generate compliance report
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Example Output
MCP RESPONSE — advertising_compliance_scanner ════════════════════════════════════════════════════════════ sunrisebank.com | Marketing pages scanned: 24 | Ad elements analyzed: 67 ADVERTISING COMPLIANCE SCORE: 55/100 (16 violations found) TILA / REG Z VIOLATIONS (6): /mortgage-rates — "4.99% rate" displayed in 32pt without APR Trigger: Rate advertised without corresponding APR disclosure Required: APR must be displayed with equal or greater prominence /auto-loans — "As low as 3.49%" without repayment terms Missing: Loan term, number of payments, total cost example /heloc — "0% Intro Rate" without disclosing variable rate after intro period Missing: Fully-indexed rate, rate caps, repayment terms /personal-loans — APR present but in 6pt font vs. 24pt rate Prominence test: APR not equally prominent as trigger term /credit-cards — "0% APR for 18 months" without go-to rate /student-loans — Rate range too broad ("3.99%-18.99%") without clear criteria REG N VIOLATIONS (Mortgage Advertising) (3): /mortgage — "Guaranteed Approval" language without qualification Reg N prohibits misleading claims about mortgage availability /refinance — "Government Approved Program" implication without basis Misleading association with government endorsement /first-time-buyers — "No Money Down" without disclosing PMI requirement FAIR LENDING / EQUAL HOUSING (4): Equal Housing logo missing from /mortgage, /refinance, /home-equity Fair lending notice absent from /apply landing page Equal Housing logo present but less than minimum size (1/2 inch) Non-discrimination statement found on /about-us page VISUAL COMPLIANCE ANALYSIS: 8 disclaimers below minimum readable font size (< 8pt equivalent) 3 rate disclosures with contrast ratio below 4.5:1 (WCAG fail) 5 "trigger terms" in headlines without required additional disclosures ENFORCEMENT RISK: TILA violations: Estimated $500K-$2M exposure per comparable actions Reg N violations: OCC/CFPB enforcement action risk elevated Recommend immediate review of all mortgage-related advertising

10Third-Party Vendor Compliance Screener

Scrapes vendor and partner websites for compliance indicators: SOC2 badges, security certifications, privacy policies, regulatory registrations — enabling automated third-party risk assessment as required by OCC and FDIC guidance.

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MCP Tool Definition
Web Scraping GPT-4o Vision AI Domain DB
third_party_vendor_compliance_screener vendor_domains: array — List of vendor/partner domains to screen risk_tier: string — "critical","significant","moderate","low" vendor risk tier required_certs: array — ["soc2","iso27001","pci_dss","hitrust","fedramp"] certifications to verify check_subcontractors: boolean — Scan for fourth-party/subcontractor disclosures (default: false)
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AI Processing Pipeline
PROCESSING PIPELINE ════════════════════════════════════════════════════════════ Step 1: Query domain DB for each vendor: category, country, domain age, PageRank Step 2: Scrape /security, /compliance, /trust, /certifications, /legal pages per vendor Step 3: Screenshot security/compliance pages for badge and certification logo detection Step 4: AI extracts: SOC2 type/date, ISO certifications, PCI DSS level, privacy frameworks Step 5: Verify certification claims against public audit registries where available Step 6: Check for privacy policies, incident response disclosures, insurance coverage Step 7: Score each vendor against OCC/FDIC third-party risk management requirements
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Example Output
MCP RESPONSE — third_party_vendor_compliance_screener ════════════════════════════════════════════════════════════ VENDORS SCREENED: 28 | Risk Tier: Critical & Significant | Certs required: SOC2, ISO 27001 SCREENING SUMMARY: 4 vendors require immediate attention cloudvaultpay.com — Critical Vendor (Payment Processing) Domain age: 2,847 days | Country: US | PageRank: 6.2 SOC 2 Type II: VERIFIED — Badge found, report dated 2025-11-15 ISO 27001: VERIFIED — Certificate #IS-2024-8847 displayed PCI DSS Level 1: VERIFIED — Attestation current through 2026-09 Privacy policy: PASS — GLBA-compliant, updated 2026-01-10 Overall: COMPLIANT — All required certifications verified dataanalyticshub.io — Critical Vendor (Data Analytics) Domain age: 412 days | Country: US | PageRank: 3.1 SOC 2 Type II: NOT FOUND — No SOC 2 badge or reference on website ISO 27001: NOT FOUND — No certification evidence Privacy policy: OUTDATED — Last updated 2023-06-14 (>2 years old) Security page: MISSING — No /security or /compliance page exists Overall: NON-COMPLIANT — Critical gaps for data-handling vendor hrsoftwarepro.com — Significant Vendor (HR/Payroll) Domain age: 1,847 days | Country: US | PageRank: 4.8 SOC 2 Type II: VERIFIED — Report dated 2025-08-20 ISO 27001: CLAIMED — Badge displayed but certificate number not verifiable Privacy policy: PASS — Comprehensive, includes employee data handling Subcontractors: CONCERN — 12 sub-processors listed, 3 in high-risk jurisdictions Overall: CONDITIONAL — ISO claim needs verification, sub-processor risk legacymailservice.net — Significant Vendor (Document Delivery) Domain age: 5,214 days | Country: US | PageRank: 2.4 SOC 2 Type II: EXPIRED — Last report dated 2023-04-10 (>2 years) ISO 27001: NOT FOUND — No certification evidence Privacy policy: FAIL — Generic template, no financial data provisions Security page: MINIMAL — Basic security statement, no specifics Overall: NON-COMPLIANT — Expired SOC 2, no current certifications OCC GUIDANCE COMPLIANCE: 24 of 28 vendors meet minimum third-party risk management standards 2 critical/significant vendors lack required SOC 2 certification 2 vendors have expired or unverifiable certifications ACTION ITEMS: dataanalyticshub.io — Require SOC 2 attestation within 90 days or terminate legacymailservice.net — Request current SOC 2 report, evaluate alternatives hrsoftwarepro.com — Request ISO 27001 certificate copy for verification Review all vendors with sub-processors in high-risk jurisdictions
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