Our Commitment
Compliance You Can Count On
JC Inspections operates in strict accordance with all applicable federal and Texas state laws. Our clients — lenders, servicers, insurers, and legal professionals — can rely on us to deliver services that are legally sound, professionally documented, and fully defensible.
Why Compliance Matters in Field Inspection
Field inspection services touch sensitive consumer data, occupied properties, and legally significant documents. Every inspection we conduct, every door we knock, and every document we serve is performed within the boundaries set by federal regulators and the State of Texas. We train our field agents on applicable law, maintain documented procedures, and hold ourselves to the highest professional standards.
Federal Regulations
Federal Laws We Comply With
Fair Credit Reporting Act
15 U.S.C. § 1681 et seq.
Federal Trade Commission (FTC) & Consumer Financial Protection Bureau (CFPB)
The FCRA governs the collection, use, and disclosure of consumer information used in credit decisions. Field inspections ordered by lenders and servicers — including occupancy verifications and collateral assessments — may constitute consumer report activity under the FCRA. JC Inspections handles all consumer-related data with strict confidentiality and provides information only to permissible-purpose requestors as defined by the Act.
Applies to: Collateral Inspections, Occupancy Verifications, Property InspectionsFair Debt Collection Practices Act
15 U.S.C. § 1692 et seq. | Implemented by CFPB Regulation F, 12 CFR Part 1006
Consumer Financial Protection Bureau (CFPB)
The FDCPA and its implementing regulation, Regulation F, set strict rules for contact with consumers in connection with debt collection. Our field contact and door knocker services are conducted in full compliance with FDCPA requirements — including permissible contact hours, prohibited conduct, and required disclosures. We do not engage in harassment, false representations, or unfair practices.
Applies to: Field Contact Services, Door Knocker Services, Occupancy VerificationsGramm-Leach-Bliley Act
15 U.S.C. § 6801 et seq.
Federal Trade Commission (FTC) & Federal Financial Regulators
The GLBA requires financial institutions and their service providers to protect the security and confidentiality of nonpublic personal information (NPI). As a vendor to lenders, mortgage servicers, and financial institutions, JC Inspections maintains data security practices consistent with GLBA Safeguards Rule requirements — including secure handling of borrower information, access controls, and confidential report delivery.
Applies to: All Services — Data Handling & Report DeliveryFair Housing Act
42 U.S.C. § 3601 et seq.
U.S. Department of Housing and Urban Development (HUD)
The Fair Housing Act prohibits discrimination in housing-related activities based on race, color, national origin, religion, sex, familial status, or disability. JC Inspections conducts all property and occupancy inspections without regard to the demographic characteristics of occupants or neighborhoods. We apply uniform inspection standards and documentation practices to every assignment.
Applies to: Property Inspections, Occupancy Verifications, Collateral InspectionsReal Estate Settlement Procedures Act
12 U.S.C. § 2601 et seq. | Implemented by CFPB Regulation X
Consumer Financial Protection Bureau (CFPB)
RESPA governs settlement services and prohibits kickbacks and unearned fees in connection with federally related mortgage loans. JC Inspections operates as a legitimate third-party service provider, charges only for services actually rendered, and does not engage in fee-splitting or referral arrangements that would violate RESPA's anti-kickback provisions.
Applies to: Collateral Inspections, Property Inspections, Occupancy VerificationsConsumer Financial Protection Bureau Guidelines
12 U.S.C. § 5481 et seq. (Dodd-Frank Act, Title X)
Consumer Financial Protection Bureau (CFPB)
The CFPB supervises and enforces federal consumer financial laws applicable to mortgage servicers and their vendors. JC Inspections supports our institutional clients' CFPB compliance obligations by maintaining accurate records, delivering timely reports, and following documented procedures that can withstand regulatory scrutiny.
Applies to: All Mortgage-Related Inspection ServicesState Regulations
Texas State Laws We Comply With
Texas Real Estate Commission Standards
Texas Occupations Code, Chapter 1102
Texas Real Estate Commission (TREC)
Chapter 1102 of the Texas Occupations Code governs real estate inspectors in Texas. JC Inspections conducts property condition assessments in accordance with applicable TREC standards, ensuring our reports meet the documentation and disclosure requirements expected by Texas-regulated lenders and servicers.
Applies to: Property Inspections, Collateral InspectionsTexas Certified Process Server Rules
Texas Government Code § 156.001 et seq. | Texas Rules of Civil Procedure, Rule 103
Texas Supreme Court / Office of Court Administration
Texas law requires process servers to be certified by the Texas Supreme Court or be authorized officers of the court. Our process servers hold current Texas certification, comply with all service-of-process rules under the Texas Rules of Civil Procedure, and provide legally valid affidavits of service accepted by Texas courts.
Applies to: Certified Process Server ServicesTexas Finance Code — Consumer Protection Provisions
Texas Finance Code, Title 4 (Regulation of Interest, Loans, and Financed Transactions)
Texas Office of Consumer Credit Commissioner (OCCC)
The Texas Finance Code includes consumer protection provisions applicable to lenders and their service providers operating in Texas. JC Inspections supports our lender clients' compliance with Texas Finance Code requirements by maintaining accurate, timely, and professionally documented inspection records.
Applies to: All Lender-Ordered Inspection ServicesTexas Data Privacy and Security Act
Texas Business & Commerce Code, Chapter 541 (effective July 1, 2024)
Texas Attorney General
The Texas Data Privacy and Security Act (TDPSA) establishes rights for Texas consumers regarding their personal data and obligations for businesses that process it. JC Inspections collects only the data necessary to perform requested services, does not sell consumer personal data, and maintains data security practices consistent with TDPSA requirements.
Applies to: All Services — Consumer Data HandlingTexas Occupations Code — Notary Public Provisions
Texas Government Code, Chapter 406
Texas Secretary of State
Texas notaries public are commissioned by the Texas Secretary of State and are governed by Chapter 406 of the Texas Government Code. Our notaries hold active Texas commissions, maintain required bonds, and perform notarial acts in strict compliance with Texas law — including proper identification of signers, maintenance of notarial records, and prohibition on unauthorized practice of law.
Applies to: Notary ServicesOur Compliance Commitment
Trained Field Agents
Every JC Inspections field agent is trained on applicable federal and state laws before conducting assignments.
Documented Procedures
We maintain written procedures for every service type, ensuring consistent, legally defensible execution on every order.
Secure Data Handling
Consumer and borrower information is handled with strict confidentiality in accordance with GLBA, FCRA, and TDPSA requirements.
No Prohibited Conduct
Our field agents are prohibited from harassment, misrepresentation, trespassing, or any conduct that violates applicable law.
Audit-Ready Records
We maintain complete records of all inspections, contact attempts, and service events — ready for regulatory review or legal proceedings.
Continuous Updates
We monitor regulatory developments from the CFPB, FTC, TREC, and Texas agencies to keep our practices current with evolving requirements.
This page is provided for informational purposes only and does not constitute legal advice. JC Inspections makes no warranty regarding the completeness or currency of the legal summaries above. Clients with specific compliance questions should consult qualified legal counsel.
Questions About Our Compliance Practices?
We're happy to discuss our procedures, documentation standards, and compliance framework with prospective clients.