However, that law was passed subject to the Department of Housing and Urban Development's (HUD) approval of the law as "compliant" with the intention of the federal law.

the biggest gothca will be if its zoning and bylaw compliant.      

@Aroldo Villarreal  I agree with Jay that you need to season the note but you will want to do that with a servicer,  FCI, Allied Servicing etc, iso you can document pay history.Not sure of your math but with the 141 payments remaining at 9.2% and a 52k balance it looks like the payment should be closer to $604.64.Given the above you could probably sell the next 62 payments of $604.64 for $25,000 and keep rights to the back end payments.If you wan to pursue the above there are going to be a few obstacles:  1)  If the property is owner occupied you will have to be able to convince an informed note buyer that the note is either exempt from or compliant with Dodd Frank.  2)  a not buyer is going to want to know that the property is worth enough that in the event of foreclosure there is enough equity to cove the loan.

US citizens won't tolerate it  They already proved they aren't the most compliant people on the face of planet Earth, even when "the science says." 

@Max AronovReally great answers above.Aside from getting to know the professional and making sure its a good personality fit (this is a relationship based service after all), I would ask a single, simple open ended question:How will you maximize my tax position while at the same time keeping me 100% compliant?

,You should use Firefox.Joe Gore Joe:You should be able to use any W3C compliant browser ... even M$ Horror, if you like.

I don't think you are non-compliant but I think your PM probably is.

Important to know - even though this is a simpler transaction than creating a note and mortgage, you should still use a Mortgage Loan Originator to insure you're fully compliant with the Dodd-Frank rules for making mortgage loans to borrowers.

The MAJOR compliant I am experiencing is what was said or contracted that I purchased by description, exampled through workshop/seminar/camp ect, or mentioned by assistant after speaker finished, is only related by the topic not material or service.

Will our inspector adhere strictly to the drawings, or more so to code and not care as long as everything is compliant?