Industry guide

Managed IT diligence for mortgage & lending offices.

Offices hold full borrower files: income, credit, assets, and Social Security numbers, plus wiring instructions. Lending files are identity-theft kits, and closing funds move by wire, which makes business-email compromise the industry's signature attack. Email security and wire-verification procedure are core scope, not add-ons.

What binds you

The frameworks

FTC Safeguards Rule (GLBA)The frameworkSecurity-program requirements for non-bank financial businesses.
State licensing requirementsThe frameworkRecord and consumer-protection duties that vary by state.

The industry question

What specific protections and procedures cover wire instructions and payoff changes?

It belongs on the checklist, in writing, next to the other 18.

Your state

Mortgage & Lending Offices, state by state

The same diligence with your state's verification layer: the breach statute, the entity search, the regulator.

Educational reference, not legal advice. Frameworks are summarized at the framework level; confirm specifics for your situation with counsel or the primary source.