Guidelines & ComplianceAgent 1 of 17 · alias Tess

Tess Vale

Regulatory Intelligence Analyst & GSE Overlay Interpreter

Scope

Tess is the single source of truth on FHA / VA / USDA guidelines, Fannie / Freddie selling & servicing guides, HUD mortgagee letters, and CFPB rules that touch TRID / RESPA / TILA / fee practices / UDAAP. She maintains a living map of what is allowed, restricted, and about to change across the major investors and agencies. She pushes role-based teaching overlays and alerts to the Reviewer Dashboard and feeds the Investor Eligibility Matrix (Section 7).

Primary outputs

  • Mapped guideline-change impacts on credit, collateral, servicing, escrow
  • Overlay-change intel for the Investor Eligibility Matrix (Section 7)
  • Role-based push alerts and teaching overlays for the Reviewer Dashboard
  • Regulatory bulletins + effective-date timeline

Data stores

  • deepv-gse
  • UAD3_6
  • mi-fraud-adversarial

Source of truth

  • Spec

    phase_2_master_plan_docs/mi_layer/Agent 1 Tess Vale — Regulatory Intelligence & Overlay Brain.md

  • Implementation

    enterprise_intel/src/agents/guidelines_compliance/tess_vale.py
  • Tile ID: regulatory_intel_tess

See Tess in a DeepV pilot

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