Prepared 2026-07-22. Figures verified as of this date unless marked otherwise. All sources accessed 2026-07-22 unless a different date is noted.
Tier key: A = authoritative (regulator, agency, statute, official program administrator) · C = company-published (Ready, Crosstown, Zillow, vendors describing themselves) · S = secondary/third-party (trade press, law-firm analysis, aggregators, portals).
Machine-readable version: data/source_log.csv. Reliability notes flag anything that blocked automated fetch, looked stale, or should be re-pulled manually before client-facing use.
| Source | URL | Supports | Tier | Published | Notes |
|---|---|---|---|---|---|
| IDFPR Mortgage Banking Licensee List (MBList.xlsx) | https://idfpr.illinois.gov/content/dam/soi/en/web/idfpr/forms/banks/MBList.xlsx | Ready's ACTIVE IL license MB.6850275; dates 2025-11-13 / 2026-12-31; Brokering=Yes | A | Rolling | Column headers blank — dates interpreted, not labeled. Authoritative for the license itself. |
| apply.readyml.com — CompanyStateLicenses.html | https://apply.readyml.com/CompanyStateLicenses.html | Company lists ONLY Florida MLD996 — page is stale vs IDFPR | C | Unknown | Verified defect. Do not link IL clients here until fixed. |
| apply.readyml.com — ContactUs.html | https://apply.readyml.com/ContactUs.html | NMLS 1100518, phone, FL-only EHL disclosure | C | Unknown | Same staleness (names only Florida). |
| readymortgagelenders.com homepage | https://readymortgagelenders.com/ | Product menu as advertised; bank-statement/DSCR/construction/hard-money ABSENT; duplicated "Home"/"Home New" pages | C | Unknown | Stale/duplicated copy confirmed; national menu ≠ IL menu. |
| readymortgagelenders.com /partners/ | https://readymortgagelenders.com/partners/ | In-house ops claim; internal marketing team claim; puffery ("all loan programs," "will get your loan closed!"); lorem-ipsum placeholders | C | Unknown | Puffery must never be repeated; placeholders are a verified site-quality defect. |
| BBB profile — Ready Mortgage Lenders | https://www.bbb.org/us/fl/miami/profile/mortgage-banker/ready-mortgage-lenders-llc-0633-90316026 | A+ rating; accredited 2023-03-23; start 2013-05-14; 13 employees; principals | S | Rolling | Review/complaint tabs not captured — check manually before citing anything beyond "A+". |
| Birdeye aggregate reviews | (Birdeye profile, fetched 2026-07-22) | 4.9/5 on 384 reviews; FL customer base; at least one spam review | S | Rolling | Reviews are Florida customers; ad use needs CCO approval + substantiation. |
| LinkedIn — Ready Mortgage Lenders | https://www.linkedin.com/company/readymortgagelenders | Miami HQ + Orlando office; "51-200" size claim vs ~30 visible profiles; no IL presence | S | Rolling | Size conflicts with BBB's 13 — treat as ~13–30. |
| NMLS Consumer Access (attempted) | https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1100518 | Full state-license list — NOT OBTAINED | A | — | HTTP 403 to automated fetch. Manual browser check + screenshot required. |
| Modex company page (attempted) | https://modex.com/companies/ready-mortgage-lenders-llc-nmls-1100518 | "FL, TX & IL" + "DSCR in all eligible states" snippet | S | — | HTTP 403; snippet-only, unverified. TX licensure unverified. |
| Zillow lender profile (attempted) | https://www.zillow.com/lender-profile/ReadyMortgageLenders/ | Zillow rating/count — NOT OBTAINED | S | — | Blocked/empty fetch. Check manually. |
| Source | URL | Supports | Tier | Published | Notes |
|---|---|---|---|---|---|
| IDFPR MLO FAQ | https://idfpr.illinois.gov/faq/bre/mlofaq.html | "No prohibition" on holding MLO + real estate licenses (verbatim) | A | Undated | Says "salesperson" (retired license class) — written confirmation for broker license advised. |
| Residential Mortgage License Act, 205 ILCS 635 | via ilga.gov | MLO licensing framework | A | Statute | Article number for MLO provisions needs verification. |
| Real Estate License Act, 225 ILCS 454 (Art. 10) | https://law.justia.com/codes/illinois/chapter-225/act-225-ilcs-454/article-10/ | Compensation-disclosure duties; sponsoring-broker structure | A | Statute | Exact section (likely 10-10) needs verification. |
| HUD Handbook 4000.1 / ML 2022-22 | https://www.hud.gov/hud-partners/single-family-handbook-4000-1 | FHA removed dual-role ban (2022-12-15); decision-impact roles still restricted | A | 2022-12-15 | Current section cite needs pulling before client-facing use. |
| Ballard Spahr — ML 2022-22 summary | https://www.consumerfinancemonitor.com/2022/12/22/fha-issues-mortgagee-letter-modifying-conflict-of-interest-and-dual-employment-policies/ | Confirms ML 2022-22 effect | S | 2022-12-22 | Law-firm analysis; reliable. |
| Black Mann & Graham — FHA policy note | https://www.bmandg.com/fha-revises-conflict-of-interest-and-dual-employment-policies/ | Same | S | ~2022-12 | Corroboration. |
| Garris Horn — USDA dual-role analysis | https://www.garrishorn.com/blog/kbwnqy8fjq7l2xtagktjni5k43mny5 | USDA HB-1-3555 §4.2 PROHIBITS same-transaction dual roles (eff. 2023-03-31) | S | ~2023 | Verify current handbook text; USDA revises periodically. |
| Reg X, 12 CFR 1024.14 | https://www.consumerfinance.gov/rules-policy/regulations/1024/14/ | RESPA §8 kickback rules; services-actually-performed test | A | Current | — |
| CFPB RESPA FAQs (PDF) | https://files.consumerfinance.gov/f/documents/cfpb_respa_frequently_asked_questions.pdf | No de minimis exception; promo/education boundaries; MSA/co-marketing FMV rules | A | 2020-10 | Current compliance aid (replaced Bulletin 2015-05). |
| Reg Z, 12 CFR 1026.36 | https://www.consumerfinance.gov/rules-policy/regulations/1026/36/ | LO comp rule; dual-compensation prohibition (d)(2) | A | Current | Commission-as-LO-comp interaction UNRESOLVED — counsel item. |
| 2013 LO Comp final rule | https://www.federalregister.gov/documents/2013/02/15/2013-01503/loan-originator-compensation-requirements-under-the-truth-in-lending-act-regulation-z | Framework for 1026.36(d) | A | 2013-02-15 | — |
| 38 Ill. Adm. Code 1050.940 (Cornell LII) | https://www.law.cornell.edu/regulations/illinois/Ill-Admin-Code-tit-38-SS-1050.940 | IL ad rule: NMLS IDs + nmlsconsumeraccess.org; anti-commingling for non-mortgage ads | A | Current | Load-bearing for every ad-like item. |
| Newcastle Loans — agent/LO guide | https://www.newcastle.loans/mortgage-guide/agentloanofficer | Conventional loans permit dual-licensed originators (secondary claim) | S | Undated | MEDIUM confidence; verify vs Selling Guide + Ready overlays. |
| Source | URL | Supports | Tier | Published | Notes |
|---|---|---|---|---|---|
| TSR, 16 CFR Part 310 (eCFR) | https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310 | B2B exemption scope (310.6(b)(7)) | A | Current | — |
| FTC 2024 TSR amendments | https://www.federalregister.gov/documents/2024/04/16/2024-07182/telemarketing-sales-rule | B2B calls no longer exempt from misrepresentation rules (eff. 2024-05-16) | A | 2024-04-16 | Also recordkeeping expansion (companion doc 2024-07180): 5-yr retention. |
| Hunton — TSR changes analysis | https://www.hunton.com/insights/legal/telemarketing-sales-rule-changes-remove-exception-for-business-to-business-calls-and-impose-new-recordkeeping-requirements | Same | S | 2024 | Corroboration. |
| FTC DNC FAQs | https://consumer.ftc.gov/articles/national-do-not-call-registry-faqs | Registry protects personal numbers only | A | Rolling | — |
| 47 CFR 64.1200 (eCFR) | https://www.ecfr.gov/current/title-47/chapter-I/subchapter-B/part-64/subpart-L/section-64.1200 | TCPA rules: ATDS/prerecorded consent; 8am–9pm; entity DNC list | A | Current | No B2B exemption on ATDS/prerecorded prongs. |
| FCC 24-17 declaratory ruling | https://docs.fcc.gov/public/attachments/FCC-24-17A1.pdf | AI-generated voice = "artificial" under TCPA | A | 2024-02-08 | Blanket ban on AI voice outbound without PEWC. |
| BCLP — 2025 TCPA opt-out rules | https://www.bclplaw.com/en-US/events-insights-news/the-tcpas-new-opt-out-rules-take-effect-on-april-11-2025-what-does-this-mean-for-businesses.html | Any-reasonable-means revocation; ≤10 business days (eff. 2025-04-11) | S | 2025 | — |
| Consumer Financial Services Law Monitor — revoke-all delay | https://www.consumerfinancialserviceslawmonitor.com/2026/01/fcc-further-extends-effective-date-for-tcpa-revoke-all-rule/ | Revoke-all provision delayed to 2027-01-31 | S | 2026-01 | Behave as if live anyway (policy choice). |
| Illinois Telephone Solicitations Act, 815 ILCS 413 | https://www.ilga.gov/Legislation/ILCS/Articles?ActID=2349&ChapterID=67&Print=True | 9pm–8am ban; immediate self-ID + purpose + consent inquiry | A | Statute | B2B scope needs counsel confirmation. |
| Illinois Automatic Telephone Dialers Act, 815 ILCS 305 | https://law.justia.com/codes/illinois/chapter-815/act-815-ilcs-305/ | IL autodialer rules broader than post-Duguid federal ATDS | A | Statute | No dialer tools without counsel review. |
| FTC CAN-SPAM compliance guide | https://www.ftc.gov/business-guidance/resources/can-spam-act-compliance-guide-business | No B2B exception; footer/opt-out requirements; ~$53,088/email penalties | A | Rolling | — |
| Kazerouni Law — TCPA & businesses | https://www.kazlg.com/does-the-tcpa-apply-to-businesses/ | Dual-purpose cell phone risk guidance | S | Undated | Risk guidance, not safe harbor. |
| CFPB MSA blog | https://www.consumerfinance.gov/about-us/blog/cfpb-provides-clearer-rules-road-respa-marketing-service-agreements/ | MSA treatment | A | — | — |
| Reg Z, 12 CFR 1026.24 | https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.24 | Trigger terms; APR rules; never self-post rates | A | Current | — |
| Reg N (MAP Rule), 12 CFR 1014 | https://www.ecfr.gov/current/title-12/chapter-X/part-1014 | No material misrepresentation in any commercial communication; 24-mo ad retention | A | Current | — |
| NMLS unique-ID required use | https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/aboutNMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_requiredUse.html | SAFE Act ID display | A | — | — |
| HUD FHEO digital-advertising guidance | https://www.fhcci.org/wp-content/uploads/2024/05/FHEO_Guidance_on_Advertising_through_Digital_Platforms-4-29-24.pdf | Digital-targeting fair-lending rules; special ad categories | A | 2024-04-29 | Mirror-hosted copy of HUD guidance. |
| WBK — IL mortgage ad law change | https://www.thewbkfirm.com/industry/illinois-changes-mortgage-loan-advertisement-laws | 1050.940 background | S | — | — |
| Source | URL | Supports | Tier | Published | Notes |
|---|---|---|---|---|---|
| FHFA 2026 conforming-limit release | https://www.fhfa.gov/news/news-release/fhfa-announces-conforming-loan-limit-values-for-2026 | $832,750 baseline / $1,249,125 ceiling | A | 2025-11 | — |
| JVM Lending — IL FHA limits | https://www.jvmlending.com/blog/illinois-fha-loan-limits/ | FHA $541,287 (1-unit, all IL counties) | S | 2026 | Cross-check HUD portal before borrower quotes. |
| Madison Mortgage Guys — IL FHA county table | https://www.madisonmortgageguys.com/illinois/fha-loan-limits/ | Same + 2–4 unit limits | S | 2026 | Corroboration. |
| NRMLA — 2026 HECM limit | https://www.nrmlaonline.org/2025/12/11/13072 | HECM MCA $1,249,125 | S | 2025-12-11 | Trade association reporting HUD ML. |
| IHDA participating-lender list (PDF) | https://www.ihda.org/wp-content/uploads/2025/12/Lender-List-12.18.2025.pdf | Ready NOT on the ~161-lender list; competitor set | A | 2025-12-18 | Full text extracted 2026-07-22. Most recent published. |
| Becoming an IHDA lender | https://www.ihda.org/lenders-realtors/becoming-an-ihda-lender/ | Approval path: direct originators only; U.S. Bank MRBP approval required | A | Rolling | — |
| IHDA limits page | https://www.ihdamortgage.org/limits | New limits effective for reservations 2026-07-01+ | A | Rolling | JS-gated; figures NOT scraped — manual pull required before borrower use. |
| IHDA homebuyer center | https://www.ihdamortgage.org/homebuyers | Access Forgivable/Deferred/Repayable structure; Home (6%/$15k, new 2026) | A | Rolling | — |
| United Home Loans — IHDA limits summary | https://www.uhloans.com/illinois-down-payment-assistance-limits/ | ~$134,520 income / $610,939 price (eff. 2024-07-01) | S | 2024 | 2024-vintage; do not quote as current. |
| askdoss.com — 2026 IL FTHB guide | https://askdoss.com/illinois-first-time-homebuyer-programs-and-down-payment-help-for-2026/ | Program-structure corroboration | S | 2026 | Secondary. |
| usdaproperties.com — Will County eligible areas | https://usdaproperties.com/states/IL/counties/Will/EligibleAreas.cgi | USDA fringe: Peotone/Manhattan/Beecher/Monee; NOT Tinley/Orland | S | Rolling | Confirm each address at USDA eligibility tool. |
| usdaloans.com — income limits | https://www.usdaloans.com/articles/usda-income-limits/ | ~$122,800 (1–4 HH) estimate | S | Rolling | Treat as estimate; verify in USDA tool. |
| MBANC non-QM rate guide | https://mbanc.com/blog/non-qm-loan-rates/ | Non-QM premium ranges (estimates) | S | Rolling | Lender marketing content — ranges only, never quotes. |
| DSCR Authority rate tracker | https://dscrauthority.com/rates/ | DSCR premium estimates | S | Rolling | Same caution. |
| Source | URL | Supports | Tier | Published | Notes |
|---|---|---|---|---|---|
| Movoto market-trends pages (per town) | https://www.movoto.com/tinley-park-il/market-trends/ (pattern per town) | June-2026 medians, DOM, actives, volume for 13 towns | S | 2026-06 data | Backbone dataset. Volume counts likely trailing-window — relative indicators only. Redfin 403'd; Rocket 404'd. |
| Illinois REALTORS market stats | https://www.illinoisrealtors.org/marketstats/ | Statewide May 2026: $333,814, +5.6% | S | 2026-06 | June release not yet published as of 2026-07-22. |
| Nido Project — Cook County June 2026 | https://blog.nidoproject.com/cook-county-illinois-housing-market-update-june-2026/ | Cook $398,875 +6.4%; 51.3% over ask; 2.5 mo supply | S | 2026-07 | Cites Redfin/MLS; YoY shown as +2% to +6% across cuts. |
| Census Reporter API (ACS 2024 5-yr) | https://api.censusreporter.org | Town incomes, renter share, median age | A | 2024 ACS | Oak Forest row not returned — unverified ballpark used. |
| Redfin Q1-2026 investor report | https://www.redfin.com/news/investor-report-q1-2026/ | Chicago metro investor share 16%, −13% YoY | S | 2026-05-28 | — |
| DePaul IHS — institutional investors | https://www.housingstudies.org/blog/examining-patterns-concentrated-institutional-inve/ | ~40% LLC-buyer share in south Cook towns | S | 2014-era | DATED — post-foreclosure wave; page 403'd; no current refresh exists. |
| Tinley Park Chamber | https://tinleychamber.org/about-us/ | 400+ member businesses | C | Rolling | — |
| NeighborhoodScout — Tinley/Orland real estate | https://www.neighborhoodscout.com/il/tinley-park/real-estate | ~21% attached-housing share | S | Rolling | Oak Forest attached share conflicts across sources. |
| governingdocs.dev — 2026 condo rules | https://governingdocs.dev/blog/fannie-freddie-condo-rules-2026/ | Limited Review sunset 2026-08-03; 15% reserves 2027-01-04 | S | 2026 | Corroborated by KSN (below); confirm against agency announcements before publishing. |
| KSN law — unavailable-list blog | https://www.ksnlaw.com/blog/condo-hoa-unavailable-list/ | Chicagoland associations on Fannie unavailable list | S | Rolling | IL HOA law firm. |
| Nat'l Law Review — 2026 Cook reassessment | https://natlawreview.com/press-releases/2026-cook-county-reassessment-targets-western-and-southern-suburbs | 2026 south/west triad reassessment | S | 2026 | — |
| Pappas press release (PRNewswire) | https://www.prnewswire.com/news-releases/collections-fall-after-record-south-suburban-property-tax-increases-treasurer-pappas-reports-302270210.html | 2023 reassessment: south-suburb median bills +19.9% | A | 2024-10 | Treasurer's own release via wire. |
| Civic Federation — south Cook tax study | https://www.civicfed.org/blog/SouthCook2005-2019 | Effective rates: south triad 3.45%, Orland 2.48% | S | TY2019 | DATED — best town-level apples-to-apples available; Flossmoor 1.77% looks anomalous, re-verify. |
| Ownwell — Will County tax trends | https://trends.ownwell.com/average-tax-assessment/illinois/will-county/new-lenox/ | New Lenox ~2.49% eff. (TY2024); Will avg ~2.68% | S | 2024–25 | Frankfort "3.44%" is the Cook-side sliver — don't quote as the village's rate. |
| Lennar / D.R. Horton community pages | https://www.lennar.com/new-homes/illinois/chicago/lockport/oak-valley (et al.) | New-construction price points (Oak Valley from ~$381k) | C | Rolling | Builder pricing changes weekly. |
| Club 720 — Cook County DPA | https://club720.org/cookcounty-dpa/ | Reopened 2026-07-20; up to 5%/$25k forgivable; Cook-side only | A | 2026-07 | Program administrator. Timely hook; funding drains. |
| FHLBank Chicago — Downpayment Plus | https://www.fhlbc.com/products-programs/housing-community-grants/downpayment-plus | Up to $10k grant; ≤80% AMI; 2026 round opened 2026-01-20 | A | 2026-01 | Via member banks — is Ready one? (No — ask about partner paths.) |
| Village of Tinley Park — Harmony Square / state campus | https://www.tinleypark.org/government/current_projects/harmony_square/index.php ; .../state_campus_property.php | Harmony Square open since 2025-07-18; 280-acre site = Park District recreation, no housing | A | Rolling | Kills the "280-acre development" myth. |
| Mainstreet REALTORS / Three Rivers | https://www.mainstreetrealtors.com/about-us ; https://trarealtors.net/ | 19,000+ and ~1,000 member associations | C | Rolling | Dual-affiliation rationale. |
| RE/MAX 10 office page | https://www.remax.com/real-estate-offices/remax-10-orland-park-il/100425808 | ~300 agents on Harlem Ave corridor | C | Rolling | Self-reported. |
| Freddie Mac PMMS | https://www.freddiemac.com/pmms | 30-yr 6.55% / 15-yr 5.93% (survey 2026-07-16) | A | 2026-07-16 | Weekly series. |
| Source | URL | Supports | Tier | Published | Notes |
|---|---|---|---|---|---|
| joincrosstown.com | https://joincrosstown.com/ | Crosstown recruiting pitch: Flex 50/50-after-fee; Hybrid 75/25; zero fees; lead sources | C | Rolling | Self-reported; get everything in a written ICA. |
| crosstownrealtors.com | https://crosstownrealtors.com/ | Footprint, offices, ~150–160 agents | C | Rolling | Agent count self-reported. |
| Zillow help center — success fee | https://zillow.zendesk.com/hc/en-us/articles/33295951686803 | Success fee 15%–40% of GCI by zip/price | C | Rolling | Local SW-suburb % unpublished — ask Crosstown in writing. |
| Mike DelPrete — Flex fee analysis | https://www.mikedp.com/articles/2023/10/12/zillow-flex-fee-rises-to-40-percent | 40% in several markets; 40% all seller-originated connections | S | 2023-10-12 | Respected industry analyst; dated — confirm current. |
| humaniz.io — Flex program guide | https://humaniz.io/resources/zillow-flex-program/ | Flex KPIs incl. 60%+ ZHL contact rate; answer-rate/speed expectations | S | Rolling | Load-bearing for the conflict finding. |
| theclose.com — Zillow Flex | https://theclose.com/zillow-flex/ | Conversion/economics commentary (8–15% est.) | S | Rolling | Estimates only. |
| robinflow.com — 40% fee profitability | https://www.robinflow.com/blog/zillow-flex-40-conversion-rate-profitable | Profitability math at 40% fee | S | Rolling | Estimates only. |
| RISMedia — Zillow lawsuit | https://www.rismedia.com/2025/11/10/lawsuit-zillow-fundamentally-cheating-by-pressuring-agents-to-use-in-house-lender/ | Nov-2025 steering class action (allegations) | S | 2025-11-10 | Allegations, not adjudicated facts — always frame as such. |
| Real Estate News — expanded RICO claims | https://www.realestatenews.com/2025/11/19/zillow-hit-with-expanded-class-action-adding-rico-claims | Expanded claims | S | 2025-11-19 | Same framing. |
| HousingWire — Flex/ZHL coverage | https://www.housingwire.com/articles/are-zillow-flex-agents-required-to-send-buyers-to-zillow-home-loans/ | ZHL referral-pressure reporting | S | 2025 | — |
| KW / eXp / Fathom fee sources | https://locations.kw.com/location/644 ; https://buildingbetteragents.com/exp-realty-commission-splits/ ; https://fathomcareers.com/non-hidden-fees/ | Alternative brokerage economics (eXp 80/20 $16k cap; Fathom ~$465/deal) | C/S | Rolling | Office-specific terms vary — confirm with each managing broker. |
| Followup Boss / Seeking Alpha | https://www.followupboss.com/integrations/zillow ; https://seekingalpha.com/pr/19518679 | Zillow owns FUB (2023); Flex reporting in FUB | C/S | 2023 | Basis for CRM-surveillance concern. |
| Source | URL | Supports | Tier | Published | Notes |
|---|---|---|---|---|---|
| cometapi / aipricing.guru — ChatGPT pricing | https://www.cometapi.com/chatgpt-pricing-2026-free-vs-go-vs-plus-vs-pro/ ; https://www.aipricing.guru/chatgpt-subscription-pricing/ | Plus $20/mo; tier features | S | 2026 | Aggregators — verify on openai.com before purchase. |
| superblocks / truefoundry — Claude pricing & limits | https://www.superblocks.com/blog/claude-code-pricing ; https://www.truefoundry.com/blog/claude-code-limits-explained | Pro $20/Max tiers; usage windows | S | 2026 | Verify on claude.com before purchase. |
| CNBC / Fortune / Simon Willison — Kimi K3 | https://www.cnbc.com/2026/07/17/moonshot-ai-kimi-k3-model-openai-anthropic-china.html (et al.) | Kimi K3 launch; capability positioning | S | 2026-07-16/17 | — |
| IAPS — Kimi Claw risk analysis | https://www.iaps.ai/research/kimi-claw-risks | Always-on Chinese-hosted agent risk | S | 2026 | Basis for compliance-officer "expect no" verdict. |
| Harmonic Security — China-AI usage study | https://www.harmonic.security/resources/a-year-after-deepseek-launch-1-in-12-employees-used-china-based-ai-tools-in-the-last-month-but-kimi-moonshot-way-ahead-of-all-other-chinese-ai-tools-hiding-in-your-enterprise | Enterprise Kimi usage/leakage data | S | 2026 | — |
| Fisher Phillips — employer Kimi guidance | https://www.fisherphillips.com/en/insights/insights/a-powerful-new-chinese-ai-model-just-arrived | Employment-law view on Kimi at work | S | 2026 | — |
| CFPB chatbot Issue Spotlight | https://www.consumerfinance.gov/data-research/research-reports/chatbots-in-consumer-finance/chatbots-in-consumer-finance/ | AI errors can be UDAAP violations | A | 2023 | Still operative guidance. |
| NMP — AI governance / GLBA gap | https://nationalmortgageprofessional.com/news/ai-governance-mortgage-banking-moving-policy-discussion-regulatory-reality | Fannie LL-2026-04 (2026-04-08) AI-governance mandate; GLBA shadow-AI framing | S | 2026 | Pull LL-2026-04 itself from Fannie for the file. |
| Nat'l Law Review — shadow AI & GLBA | https://natlawreview.com/article/when-your-productivity-tools-become-regulatory-problem-shadow-ai-and-glba | Safeguards-Rule analysis of consumer AI accounts | S | 2026 | — |
| lumichats / meprism / techcoffeehouse — training-default tables | https://lumichats.com/blog/chatgpt-claude-gemini-training-your-data-2026-privacy-guide (et al.) | Consumer-tier training defaults and opt-outs | S | 2026 | Verify toggles in-app quarterly. |
| Consumer Finance Monitor — FTC AI accuracy | https://www.consumerfinancemonitor.com/2026/07/14/ftc-takes-aim-at-ai-accuracy/ | FTC enforcement posture | S | 2026-07-14 | — |
Blocked/unreachable this cycle (do not cite; pull manually): NMLS Consumer Access (403), Modex (403), Zillow lender profile (blocked), Redfin city pages (403), Rocket Homes (404), Census QuickFacts nonemployer counts (403), DePaul IHS page (403), IHDA limits tool (JS-gated), Illinois REALTORS June-2026 release (not yet published), BBB review/complaint tabs (not captured), Will County June-2026 market page (404).