Can Voksha quote mortgage rates over the phone without violating TRID or Regulation Z advertising rules?

For Mortgage Brokers

TRID (the TILA-RESPA Integrated Disclosure rule) and Regulation Z govern how specific loan terms must be disclosed once a borrower has actually applied, and Reg Z's advertising provisions also restrict how specific rate and payment figures can be advertised without triggering additional required disclosures (the so-called trigger terms, like a specific APR, down payment amount, or monthly payment tied together in an ad). The safe, standard practice, and the one most compliant broker websites and phone scripts already follow, is sharing general, non-borrower-specific information: current rate ranges by program, that rates vary by credit score and points, and general program eligibility, rather than quoting a locked APR or payment figure tied to a specific caller's file over the phone. Voksha is configured to operate within that boundary: it can share the same general rate-range and program information your website already publishes, but any request for a firm, borrower-specific quote gets routed to a booked call with your licensed LO, who provides the actual Loan Estimate and disclosures required once an application is taken. This is the same standard your compliance officer already applies to front-desk staff and marketing copy. If your brokerage has specific state or investor overlay restrictions on what can be said before application, those get built into the qualification script during setup so the AI's language matches your existing compliance guidelines rather than introducing new risk.