A thorough knowledge of FNMA, FHLMC, FHA, VA, GNMA, mortgage insurer guidelines, TIL regulations, Equal Credit Opportunity Act, RESPA regulations, local and state real estate and finance laws, and Company Policy Compliance and Ethics Codes. The EMAC Group is an Executive Search Firm with clients such as Fed and State Charter Banks, IMBs, Credit Unions, and larger brokers, nationwide.