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Real Estate · RESPA + GLBA

Use ChatGPT and Claude on Your Transactions — Without the RESPA or Wire-Fraud Risk

PortEden replaces buyer and seller names, wire instructions, and NPI with placeholders before your prompt reaches OpenAI or Anthropic. Use any AI on listings and closings; the model never sees the underlying transaction.

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Free for solo agents · No credit card · State-commission-aligned audit log built in

Maps to
RESPA
GLBA
GDPR
SOC 2
CCPA
The Risk

What Goes Wrong Without PortEden

You Paste a Closing Email Into ChatGPT to Draft a Buyer Update

That thread holds the buyer's name, the property address, the lender's wire instructions, and the closing-disclosure breakdown. Sending it to OpenAI puts every BEC indicator the FBI tracks into a third-party log — and routes referral language past every RESPA §8 check your broker has.

Your Assistant Uses Claude to Compare Lender Pre-Approvals

The pre-approvals carry the buyer's SSN, income, and pulled credit detail — pure GLBA NPI. Claude's context window now holds the cleanest copy of the buyer's financials, retained per Anthropic's policy, not the brokerage's E&O policy.

You Connect Outlook to an AI Assistant for Listing Productivity

Subject lines like "Smith — wire instructions for Friday closing" and the wire detail itself flow into the AI. One prompt-injection or subprocessor change and the same AI helps your agent draft a reply that sends the buyer's funds to the wrong account.

How PortEden Protects Your Brokerage

Buyer Data and Wire Detail, Redacted Before It Reaches the Model.

PortEden inspects every field your AI is about to see. Buyer/seller names, addresses, SSNs, wire instructions, and free-text NPI are replaced with placeholders at the boundary — never sent to OpenAI or Anthropic.

Your data
PortEdenRedact
Your AI
Claude
ChatGPT
Copilot
Gemini
Grok
Safe
Sensitive
Redacted
Compliance Reality

What RESPA, GLBA, and Your State Commission Actually Require When Your Brokerage Uses ChatGPT or Claude

  • RESPA §8 prohibits kickbacks, fee-splitting, and undisclosed referrals between settlement-service providers. AI-drafted recommendations that route a client to a preferred lender or title company without RESPA-compliant disclosure can pull the brokerage into the same enforcement bucket as a thank-you check.
  • GLBA's Safeguards Rule (16 CFR §314, as amended 2023) requires a written information security program over consumer NPI — the bank statements, pre-approvals, and transaction detail your agents handle every day. Pasting that into a third-party AI without controls is exactly the gap the FTC has been citing.
  • State real-estate commissions expect a duty of confidentiality and supervision. AI vendors that log prompts for training or moderation create a record of fiduciary information your commission can subpoena.
  • BEC and wire-fraud rings now use AI to mimic agent and title-company writing styles. Your inbox is the attack surface; an unredacted AI assistant in front of it is a feature, not a bug, for the fraudster.
RESPA — CFPB Regulation X
The Solution

Built For Realtors

Wire-Instruction-Aware Redaction in Gmail and Outlook

Replaces 50+ identifier types — buyer/seller names, addresses, SSNs, lender wire detail, ABA/account numbers, and free-text NPI — with placeholders in under 200 ms before the prompt leaves your perimeter. The AI receives only the redacted version; wire instructions never reach OpenAI or Anthropic.

RESPA §8 and State-Commission-Aligned Audit Log

Per-transaction record of every AI-drafted reply, every preferred-vendor mention, and every disclosure routing. Drops directly into the file your state commission asks for during a sponsor-broker audit and the record your E&O carrier wants when a wire is ever questioned.

Wire-Fraud Detection on Outbound AI Replies

Outbound drafts get scored for the BEC indicators the FBI tracks: changed wire instructions, urgency framing, and lookalike domains. PortEden flags before the agent hits send — the cheapest moment to stop a wire-fraud loss is in the draft window.

Works With Claude, ChatGPT, and Copilot — No CRM Replacement

Keep using Follow Up Boss, kvCORE, BoomTown, or Sierra Interactive. PortEden sits in front of any AI tool — no plugin to install in your CRM, no per-agent browser extension. Solo agent to multi-state brokerage in days, not months.

Works With What You Already Use
Gmail
Gmail
Inbox-side redaction and wire-fraud check on AI replies
Outlook
Outlook
Microsoft 365 inbox-side redaction for transaction email
Google Calendar
Google Calendar
Strip buyer names from showing and closing meeting titles
Teams
Teams
Microsoft 365 chat redaction for agent/TC coordination
With and Without PortEden

The Same Workflow, Two Very Different Outcomes

Drafting a Buyer Update Email With ChatGPT
Without
Buyer name, address, lender wire instructions, and closing detail sent to OpenAI in plain text — RESPA §8 referral routing untracked, wire-fraud surface area maximised.
With
Identifiers, addresses, and wire detail replaced with placeholders before the request leaves your network. The AI drafts the update; PortEden re-hydrates the names locally.
Comparing Lender Pre-Approvals With Claude
Without
Buyer SSN, income, and pulled credit detail sent to Anthropic — GLBA NPI in a third-party retention bucket your brokerage doesn't control.
With
Numeric structure reaches the model; SSNs, incomes, and credit IDs are placeholders. The AI compares the offers without seeing whose buyer.
Outbound AI Draft With Changed Wire Instructions
Without
AI assistant happily drafts a "the wire instructions have changed, please send to…" email; agent forwards it; funds go to the fraudster.
With
PortEden's outbound check flags the changed wire instructions and the urgency framing before the agent can hit send. Default block + manual override with reason code.
State Commission Audit or RESPA §8 Inquiry
Without
No record of which AI drafts mentioned which preferred vendor. The brokerage spends a week reconstructing the file from screenshots.
With
Per-transaction audit log of every AI-drafted reply, every preferred-vendor mention, and every disclosure routing — exportable on demand.
Multi-Agent Rollout Across Markets
Without
Each agent follows AI policy by hand; one paste-and-prompt is a brokerage-wide RESPA + wire-fraud problem.
With
Brokerage-wide defaults; per-state and per-team overrides flow from your CRM or transaction-management system.
Try It Before Your Next Closing

Five-Minute Setup. Free for Solo Agents.

Connect Gmail or Outlook via OAuth. Pick the RESPA + wire-fraud profile. Keep using ChatGPT or Claude exactly the way you do today — with NPI and wire instructions protected by default.

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Frequently Asked Questions

Does using ChatGPT or Claude with PortEden create a RESPA §8 problem?
PortEden replaces transaction detail with placeholders before the prompt leaves your perimeter, and the audit log captures every AI-drafted reply that mentions a preferred vendor. The §8 risk RESPA enforces — referral routing without disclosure — is the one PortEden's audit trail is designed to demonstrate against.
How does PortEden help with wire-fraud and BEC schemes?
PortEden's outbound check scores AI-drafted replies for the BEC indicators the FBI Internet Crime Complaint Center tracks: changed wire instructions, urgency framing, lookalike domains, and instruction-altering phrasing. The default behavior is block + reason-code override; the audit log records every override so the broker can review patterns across the team.
Will PortEden change my CRM or transaction-management workflow?
No. PortEden runs in front of your AI, not your CRM. You keep using Follow Up Boss, kvCORE, BoomTown, Sierra Interactive, or your transaction-management platform, and the redaction layer sits between any AI tool and the data the AI is about to read.
How does PortEden support GLBA Safeguards Rule obligations on the brokerage side?
PortEden ships the technical controls 16 CFR §314-aligned programs typically rely on — encryption in transit and at rest, MFA, role-based access, retention controls, and a designated administrator console. The audit log is the same evidence base your designated qualified individual will reference in the WISP. Compliance with GLBA remains your responsibility — PortEden provides the technical control, you operate the program around it.
Can multi-state brokerages apply different redaction rules per state and per team?
Yes. Set brokerage-wide defaults once; per-state, per-team, and per-listing-side overrides flow from your CRM. A New York buyer-side team can ride a stricter NY DFS profile while a Texas listing team uses the brokerage default — no agent re-configures anything.
Does the audit log feed into MLS or transaction-management compliance reviews?
The audit log exports cleanly as CSV or to a SIEM. Your designated broker can drop it into the file alongside the buyer agency agreement, the disclosure summary, and the closing package. Same export feeds your E&O carrier's annual review and your state commission's audit, when the request comes.
What does it cost and how long does setup take?
There's a free tier for solo agents. Brokerage pricing scales by agent — full pricing is on the pricing page. Setup is under 5 minutes for a solo agent on Gmail or Outlook + ChatGPT or Claude. Multi-state brokerages typically take a half-day for SSO and CRM integration.

Keep Exploring

Ready to Use AI on Your Transactions Without the RESPA or Wire-Fraud Risk?

Five-minute setup. Free for solo agents. State-commission-aligned audit log and outbound wire-fraud check from day one.

See pricing

Multi-state brokerage or franchise? Talk to sales →