Built for RESPA Compliance

Your RESPACompliance Headquarters.

Co-marketing agreements don't stay compliant on their own. Castrum gives every submission, review, and approval one documented standard — built on RESPA Section 8, not spreadsheets.

See how it works

Why compliance teams can't afford to wait

$10,000
Maximum RESPA fine per violation
12 U.S.C. § 2607
3–5 yrs
Required record retention under Reg X
12 CFR § 1024.17(i)
100%
Of co-marketing agreements require documented FMV
§ 2607(c)(2) — no de minimis
Compliance Coverage
RESPA Section 8
12 U.S.C. § 2607
Reg X
12 CFR Part 1024
CFPB Exam Procedures
Section 8.5
FMV Services Exception
§ 2607(c)(2)
Section 9 Compliance
Title Insurance Rules
Kickback Prohibition
§ 2607(a)

How It Works

One workflow. Four steps.

Every co-marketing request follows the same path — submission to archive — with compliance enforced at each step.

Public Submission Link

Effortless for every loan officer.

No accounts, no training, no IT ticket. Share one link — loan officers and realtors submit co-marketing and sponsorship requests from any browser in minutes. RESPA compliance flags run before they even hit send.

app.castrumhq.io
Public Submission Form
Your Name
Dana Whitfield
Your Email
dana.whitfield@summitmtg.com
Amount ($)
2,150
Market
Austin, TX
WARN · CF-1
Amount exceeds typical co-marketing range — FMV documentation required.
Submit Request

Built for your whole team

Everyone has a role.
Castrum supports all of them.

One platform built around three distinct roles — each with exactly what they need and nothing they don't.

01
Loan Officers & Realtors
“Three minutes from link to submitted.”

No login required. Share the link, fill the form, done. RESPA flags show before you even hit submit.

  • No account creation — ever
  • Submit from any browser or device
  • See compliance flags in real time
  • Email notifications when status changes
02
Compliance Administrators
“Every review is thorough. Every decision is documented.”

Requests arrive pre-flagged. Research FMV in seconds. Attest, advance, or deny — all with a full paper trail.

  • AI FMV research without leaving the review modal
  • RESPA Section 8 flags attached to every request
  • Required compliance attestation before advancing
  • Audit trail built automatically on every action
03
Compliance Officers & CCOs
“Full visibility. Exam-ready from day one.”

A compliance program that runs the same way for every LO, every market, every agreement — and can prove it.

  • Dashboard: active, pending, denied, terminated
  • CSV export for regulatory submissions
  • Full agreement archive with document history
  • One standard applied across every lender

Illustrative feedback reflecting common workflows for each role.

Zero Friction

One link. Every LO.
No IT ticket required.

Share a single URL with your lending team. Loan officers and realtors fill out the co-marketing or sponsorship request directly — RESPA compliance flags run before they hit submit. Your compliance team sees it the moment it lands.

  • No account creation for LOs or realtors
  • RESPA Section 8 validation on every submission
  • Requests land in your admin queue instantly
Your submission link
castrumhq.io/submit/acme-bank
Morgan Clarke
Co-Marketing · $1,275
Pending Review
Taylor Reed
Sponsorship · $840
Pending Review
Jordan Kim
Co-Marketing · $1,090
Awaiting Signatures
RESPA Resources

Know the rules. Document the proof.

Section 8

What RESPA Section 8 actually prohibits

Kickbacks, referral fees, and unearned charges — and where co-marketing arrangements fit within the services exception under § 2607(c)(2).

Read the full guide
FMV

How to document fair market value for co-marketing

The CFPB expects documented evidence that compensation reflects actual services rendered at market rates — not just a signed agreement.

Read the full guide
Audit Readiness

What regulators look for in a RESPA examination

Under CFPB exam procedures § 8.5, examiners review agreement documentation, FMV evidence, and whether services were actually performed.

Read the full guide

One violation costs $10,000. One platform prevents it.

Request a demo and see exactly how Castrum keeps every co-marketing agreement compliant, documented, and exam-ready.