STATE DISCLOSURES - Compliance

STATE DISCLOSURES

Legal Disclaimer: This table was compiled for informational and reference purposes only. It does not constitute, nor should it be used as a substitute for, legal advice. No warranty, either expressed or implied, is attached in any regard to this table. Any reproduction, distribution, sharing, or modification of this table without the express written permission of an authorized agent of Docutech, LLC is prohibited. Last Updated: March, 2018

Property of Docutech, LLC Version 18.03

Page 1

Lists all of the document packages in which the document will print

Words in italics indicate that the document will print either when the

lender is acting as a broker, as a lender, or as either (both).

Matrix Guide

The terms "Constitutional," "Statutory," or "Administrative" indicate that the language of the disclosure is prescribed by law. Adjectives preceding either of these terms indicate the extent to which the language is

prescribed. If no adjective, the entire language of the form is prescribed by law.

Other terms refer to either official or model forms prescribed by either a federal or state government agency.

United States Proper Name of

(Package Type)

Disclosure

Generic Cx

License Type

Number Lenders/Brokers/Both

Loan Type

Processing and Closing

U.S. Constitution

1 (Federal)

All government agencies Both

Credit extended on full faith and

credit

Property

Government lands

Timing Requirement

Legal Reference

Before any laws are made

U.S. Const. art. 1 through 34

Constitution of the United States

of America

Specific Language Required

Constitutional

"UR" or "Upon Request" refers to generic documents which will only print if requested.

Other words in parenthesis indicate whether the particular disclosure is a Federally required, Federal Agency, or Government Sponsored Enterprise document

Documents are first sorted by Package Type, starting with earlier packages (e.g. Initials before Closings). Documents which print in multiple packages are listed before Closing packages. Documents are then sorted based on their ConformX number.

Property of Docutech, LLC Version 18.03

References applicable laws and contains a link to an official (or officially sponsored) law library.

The text in italics is the official Short Title which at least one of the cited laws is a part (or under which

an administrative law is made pursuant to).

Page 2

Alabama Alaska Arizona

Arkansas California Colorado Connecticut Delaware District of Columbia

Florida Georgia Hawaii Idaho

Property of Docutech, LLC Version 18.03

Table of Contents

Click Text to Jump to Page

Illinois

Montana

Indiana

Nebraska

Iowa

Nevada

Kansas

New Hampshire

Kentucky

New Jersey

Louisiana

New Mexico

Maine

New York

Maryland

North Carolina

Massachusetts

North Dakota

Michigan

Ohio

Minnesota

Oklahoma

Mississippi

Oregon

Missouri

Pennsylvania

Puerto Rico Rhode Island South Carolina South Dakota

Tennessee Texas Utah

Vermont Virginia Washington West Virginia Wisconsin Wyoming

Page 3

Click here for Table of Contents

Alabama

(Package Type)

Proper Name of Disclosure

Generic Cx Number

License Type Lenders/Brokers/Both

Loan Type

Property

Timing Requirement

Legal Reference Specific Language Required

Initial Disclosure

Anti-Coercion

Cx2778

A creditor licensed

A consumer Property in which Not specified

Ala. Code ? 5-

No

Insurance

under the Alabama credit transaction the creditor is

19-20(e)

Disclosure

"Mini-Code"

(aka a consumer given a security

Alabama "Mini-

Both

loan)

interest

Code"

Initial Disclosure

Initial Disclosure

Initial Disclosure, Processing,

Underwriting, & Closing

AL Mortgage Broker Agreement

AL Commitment Agreement

NMLS Unique Identifier Disclosed on 1003 Uniform

Residential Loan Application

Cx4068

Cx17166 (upon request)

On Cx4193 (FNMA/FHLMC)

A licensee under the Mortgage Brokers Licensing Act Brokers

A lender Both

Any person originating a residential mortgage

loan Both

A mortgage loan

A mortgage loan

A residential mortgage loan

1- to 4- family residential real

estate

1-to-4 family residential real

estate

A dwelling (as defined in

Section 103[w] of TILA) or

residential real estate upon which is (or is

intended to be) constructed a

dwelling.

Prior to the collection of a mortgage broker

fee

Before a mortgage broker

collects any mortgage broker

fees

On the application

Ala. Code ? 525-12(a)(1) Mortgage

Brokers Licensing Act

Ala. Code ?? 525-2(2) and 5-2512(b)(3) & (b)(5)

Mortgage Brokers Licensing

Act

Ala. Code ? 526-20

Alabama S.A.F.E. Mortgage

Licensing Act of 2009

No

No

FNMA 1003 Form Uniform Residential

Loan Application

Property of Docutech, LLC Version 18.03

Page 4

Alabama

(Package Type)

Proper Name of Disclosure

Generic Cx Number

License Type Lenders/Brokers/Both

Loan Type

Property

Closing

Caution Notice in

3200, FHA, and VA

3200 Note Fixed,

Fixed Rate Note

Alabama Second,

and other Notes

Closing

AL FHA Addendum

to Wood

Infestation

Inspection Report

Click here for Table of Contents

On Cx5 (FNMA/FHLMC),

Cx36 (FHA), Cx58, Cx1033

and other Notes

Cx1260 (upon request)

A creditor licensed under the Alabama

"Mini-Code" Both

Not specified Both

A consumer credit transaction (aka a consumer

loan)

Property in which the creditor is given a security interest

Not specified

Property

Timing Requirement

At closing

Not specified

Legal Reference Specific Language Required

Ala. Code ? 519-6(a)

Alabama "MiniCode"

Statutory

FNMA Form 3200 ? Multistate FixedRate Note

Ala. Admin. Code

No

r. 80-10-9-.18

Property of Docutech, LLC Version 18.03

Page 5

Click here for Table of Contents

Alaska

(Package Type)

Proper Name of Disclosure

Generic Cx Number

License Type Lenders/Brokers/Both

Loan Type

Property

Timing Requirement

Legal Reference Specific Language Required

Initial Disclosure AK Anti-Coercion

Cx3842

Either: (1) a creditor or Either: (1) a debt Either: (1) real or

Not specified

Alaska Stat. ??

No

Insurance

lender; or (2) a person or loan; or (2) a personal property

21.36.160 &

Disclosure

Both

loan of money or of every kind and

21.36.319

extension of

of every interest

credit

therein; or (2)

property

Initial Disclosure

Tangible Net

Cx12531 (upon A "covered person," A refinance of a

A dwelling (a

Not specified

Alaska Stat. ?

No

Benefit Worksheet

request)

who is either licensed mortgage loan

residential

06.60.350

under the Alaska

(aka a residential

structure

Alaska Secure and

Secure and Fair

mortgage loan) containing 1-to-4

Fair Enforcement

Enforcement for

family housing

for Mortgage

Mortgage Licensing

units, or a condo

Licensing Act of

Act of 2010 or the

or coop) or

2010

Alaska Small Loans Act

residential real

(Alaska Stat. ??

estate, upon

06.20.010 through

which a dwelling

06.20.920))

is (or is intended

Both

to be)

constructed,

including affixed

manufactured

homes

Property of Docutech, LLC Version 18.03

Page 6

Alaska

(Package Type)

Initial Disclosure

Proper Name of Disclosure

Generic Cx Number

License Type Lenders/Brokers/Both

Loan Type

AK Consumer Credit Insurance

Disclosure

Cx17164 (upon request)

A creditor Lenders

A credit transaction, of an

amount of $30,000 or less,

which is not secured by a first lien and which is

not made to finance the purpose of real property, the construction of a dwelling, or a refinance of either

of these.

Property Not specified

Timing Requirement

Legal Reference Specific Language Required

Not specified

Alaska Stat. ?

No

21.57.120

Property of Docutech, LLC Version 18.03

Page 7

Alaska

(Package Type) Initial Disclosure

Initial Disclosure

Proper Name of Disclosure

Generic Cx Number

License Type Lenders/Brokers/Both

Loan Type

Property

Timing Requirement

Legal Reference Specific Language Required

AK Commitment Cx17686 (upon Either: (1) a licensee A mortgage loan

A dwelling (a

Not specified

Alaska Stat. ?

No

Agreement

request)

under the Alaska

transaction (aka a

residential

06.60.340(19) &

Secure and Fair

residential

structure

(22)

Enforcement for

mortgage loan) containing 1-to-4

Alaska Secure and

Mortgage Licensing

family housing

Fair Enforcement

Act of 2010; or (2) a

units, or a condo

for Mortgage

licensee under the

or coop) or

Licensing Act of

Alaska Small Loans Act

residential real

2010

(Alaska Stat. ??

estate, upon

06.20.010 through

which a dwelling

06.20.920)

is (or is intended

Both

to be)

constructed,

including affixed

manufactured

homes

AK Depository Cx17687 (upon A financial institution, An extension of

Not specified

At the time of

Alaska Stat. ?

No

Institution

request)

which sells insurance

credit

application for

21.36.323

Insurance

Both

the extension of

Disclosure

credit

Property of Docutech, LLC Version 18.03

Page 8

 ................
................

In order to avoid copyright disputes, this page is only a partial summary.

Google Online Preview   Download