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Committed to Compliance & Transparency

Your trust is our priority. We adhere to federal and state regulations to provide secure, ethical, and professional mortgage services.

Compliance

At The Pyne Team, powered by Atlantic Bay Mortgage Group, compliance is at the core of everything we do. Our goal is to provide a safe, transparent, and legally sound experience for all our clients, partners, and website users. We adhere to federal and state mortgage regulations and maintain the highest ethical standards in all transactions.

Licensing & State Compliance

The Pyne Team is fully licensed to operate in the following states:

  • Virginia (VA)

  • Washington, DC

  • Maryland (MD)

  • West Virginia (WV)

  • Pennsylvania (PA)

  • Delaware (DE)

  • North Carolina (NC)

  • South Carolina (SC)

  • Georgia (GA)

  • Florida (FL)

Our licenses ensure that we meet all regulatory requirements, maintain proper bonding, and adhere to state-specific lending laws.

Federal Compliance

We strictly follow federal laws governing mortgage lending and consumer protection, including:

  • Truth in Lending Act (TILA): Providing clear and accurate information about loan terms and costs.

  • Real Estate Settlement Procedures Act (RESPA): Ensuring transparency in closing costs and preventing kickbacks.

  • Fair Lending Laws: Complying with Equal Credit Opportunity Act (ECOA) and Home Mortgage Disclosure Act (HMDA) to prevent discrimination.

  • Gramm-Leach-Bliley Act (GLBA): Protecting client financial information and privacy.

By following these laws, we ensure our clients receive fair, transparent, and compliant mortgage services.

Ethics & Professional Standards

The Pyne Team is committed to the highest ethical standards in mortgage lending:

  • Transparency in all communications with clients and partners.

  • Full disclosure of rates, fees, and terms before agreements.

  • Honest and accurate representation of products and services.

  • Adherence to professional codes of conduct in the mortgage industry.

Privacy & Data Security

We comply with federal and state regulations regarding the collection, use, and protection of personal information.

  • Client data is stored securely using encrypted systems.

  • Personal information is never sold to third parties.

  • We provide clients access to their data and the ability to manage privacy preferences.

  • Our practices align with the Gramm-Leach-Bliley Act (GLBA) and other relevant regulations.

Advertising & Marketing Compliance

All marketing and advertising conducted by The Pyne Team:

  • Accurately represents services, products, and licensing.

  • Adheres to Truth in Advertising standards and federal/state laws.

  • Avoids misleading or false claims about mortgage options or potential savings.

Training & Internal Compliance Measures

Our team undergoes regular training to ensure:

  • Up-to-date knowledge of federal and state mortgage regulations.

  • Proper handling of client information and documents.

  • Compliance with ethical and professional standards in all interactions.

Internal audits and reviews are conducted to maintain strict adherence to compliance policies.

Complaints & Reporting

If you believe a compliance issue has occurred, we encourage you to contact us immediately:

Contact Information:

  • Email: info@pyneteam.com
  • Phone: +12334567889
  • Address: 6820 Elm Street McLean, VA 22101