Mortgage originators in 2010 face a particular problem-the immense challenge of correct compliance with a host of new regulations-and Flagstar is providing an effective solution to this need with a technology tool: its Loantrac system. Flagstar has built more and more new automated compliance features into Loantrac, making it easier for originators to successfully be in compliance. These enhanced compliance features in Loantrac include giving originators the ability to create the new GFE, HUD and TIL disclosure forms within the system, new data checks and safeguards to help ensure compliance with TILA prohibitions on HPML loans, and other new programming that helps eliminate post-closing errors and omissions upstream. Further, Loantrac helps automate and ensure SAFE Act compliance by requiring that an NMLS registration number is entered on every loan transaction. California contacts.