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Initial Disclosure Signature MatrixLegal Disclaimer: Although a good faith attempt has been made to make this table as complete as possible, it is still subject to human error and constantly changing laws. It should neither be considered complete nor 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 Corporation is prohibited.Last Updated: April 2013Table of ContentsClick Text to Jump to PageFederalAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingFederal(Package Type)Proper Name of DisclosureGeneric Cx NumberLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureSection 32 Mortgage Loan Disclosure279012 CFR § 1026.32(c)NoNoInitial DisclosureWhat You Should Know About Home Equity Lines of Credit992512 CFR § 1026.40(e)NoNoInitial DisclosureAffiliated Business Disclosure1141312 CFR § 1024.15YesNoInitial DisclosureGood Faith Estimate 01-01-101422112 CFR § 1024.7NoNoInitial DisclosureAcknowledgement of Receipt of GFE and TIL 01-01-101460012 CFR §§ 1024.7(a)(4) & 1026.19(a)(1)(ii)NoNoInitial DisclosureNew Construction Disclosure1460212 CFR § 1024.7(f)(6)NoNoInitial DisclosureNotice of Intent to Proceed 01-01-101464212 CFR § 1024.7(a)(4), (b)(4), & (f)(4)YesNoInitial DisclosureSettlement Service Providers 01-01-101464312 CFR Pt. 1024, App. CNoNoInitial DisclosurePrivacy Policy Notice1518215 USCA §§ 6801 et seq.; 12 CFR §§ 1016.1 et seq.NoNoInitial DisclosureAIR Verification of Receipt of Appraisal152242012 FNMA Selling Guide B4-1.1-01NoNoInitial DisclosureAnti-Steering Disclosure of Loan Options1554612 CFR § 1026.36(e)NoNoAdverse Action and Initial DisclosureECOA Notice and Statement of Credit Denial, Termination or Charge1413 & 1585815 USCA §§ 1681m(a) & (b) and 1691 et seq. 12 CFR § 1002.9(a)(1) & (c)(2)NoNoAdverse Action, Initial Disclosure, and ClosingCredit Score Matrix541612 CFR § 1022.74(d)(1) & 16 CFR § 640.5(d)(1)NoNoTILA Redisclosure and Initial DisclosureInitial Truth-in-Lending Disclosure159112 CFR § 1026.18NoNoTILA Redisclosures, Initial Disclosure, and ClosingItemization of Amount Financed 01-01-101464412 CFR § 1026.18NoNoInitial Disclosure and ClosingCopy of Appraisal Report Notice612 CFR § 1002.14NoNoInitial Disclosure and ClosingNotice of Special Flood Hazards1112 CFR §§ 22.9, 208.25(i), 339.9, 572.9, 614.4955, & 760.9NoNoInitial Disclosure and ClosingCertification and Authorization1312 USCA § 3404YesNoInitial Disclosure and ClosingServicing Disclosure Statement2012 USCA § 2605(a); 12 CFR § 1024.21(b)NoNoInitial Disclosure and ClosingEscrow Disclosure – New Construction122812 CFR § 1024.17NoNoInitial Disclosure and ClosingPATRIOT Act Disclosure253131 USCA § 5318; 31 CFR § 1020.220(a)(5)NoNoInitial Disclosure and ClosingPATRIOT Act Disclosure (NPE)876631 USCA § 5318; 31 CFR § 1020.220(a)(5)NoNoInitial Disclosure and ClosingARM Disclosure - Investor13457 (upon request)12 CFR § 1026.19(b)(2)NoNoInitial Disclosure and ClosingLPMI Disclosure1348912 USCA § 4905NoNoInitial Disclosure and ClosingCredit Score Disclosure – B-3/H-31531215 USCA § 1681m(h); 12 CFR § 1022.74(d)(1) & 16 CFR § 640.5(d)(1)NoNoClosingHUD-1 Addendum812 CFR § 1024.10Yes, when waiving right to delivery of HUD-1 or HUD-1A. NoClosingAmortization Schedule1212 USCA § 4903; 17 CFR § 240.3a12-5; 24 CFR § 266.420NoNoClosingTruth in Lending Disclosure1812 CFR § 1026.18NoNoClosingAssignment Sale or Transfer of Servicing2112 USCA § 2605(b)NoNoClosingHPA PMI Disclosures29, 862, 4668, 16990, 16991, & 1699212 USCA § 4903NoNoClosingInformed Consumer Choice Disclosure Notice4124 CFR § 203.10NoNoClosingFACT Act Notice438715 USCA § 1681s-2(a)(7); 12 CFR Pt. 1022, App. BNoNoClosingEscrow Account Disclosure Enhanced Fees760512 USCA § 2609(c); 12 CFR § 1024.17NoNoClosingRight to Cancel – NOT a Refi. With Original Lender H-8820412 CFR § 1026.23(b)NoNoClosingPartial Escrow Waiver982615 USCA § 1639NoNoClosingHUD-1 01-01-101422212 CFR § 1024.8NoNoClosingHUD-1A 01-01-101422312 CFR § 1024.8NoNoClosingTruth-in-Lending Total Payments Itemization1544412 CFR § 1026.18(g) & (h)NoNoClick here for Table of ContentsAlabama(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature RequiredLender’s Signature Required?Initial DisclosureAnti-Coercion Insurance Disclosure2778A consumer credit transaction (aka a consumer loan)Property in which the creditor is given a security interestNot specifiedALA. CODE § 5-19-20(e) (2013)NoNoInitial DisclosureAL Mortgage Broker Agreement4068A mortgage loan1- to 4- family residential real estateBefore the collection of a broker feeALA. CODE § 5-25-12(a)(1) (2013)NoNoInitial DisclosureNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn 4193 (FNMA)A residential mortgage loanA dwelling (as defined under TILA) or residential real estate upon which a dwelling will be located.At applicationALA. CODE § 5-26-20 (2013)NoNoClosingCaution Notice in 3200, FHA, and VA 3200 Note Fixed, Fixed Rate Note Alabama Second, and other NotesOn 5, 36, 58, 1033 and other NotesA consumer credit transaction (aka a consumer loan)Not specifiedAt closingALA. CODE § 5-19-6(a) (2013)NoNoClosingAL FHA Addendum to Wood Infestation Inspection Report1260 (upon request)Not specifiedPropertyNot specifiedALA. ADMIN. CODE r. 80-10-9-.18 (2013)NoNoClick here for Table of ContentsClick here for Table of ContentsAlaska(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureAK Anti-Coercion Insurance Disclosure3842Residential mortgage loansA dwelling (1-to-4 family units) or residential real estate upon which a dwelling will be located.Not specifiedALASKA STAT. ANN. §§ 21.36.160 & 21.36.319 (West 2013)NoNoInitial DisclosureTangible Net Benefit Worksheet12531(upon request)Not specifiedNot specifiedAt closingALASKA STAT. ANN. § 06.60.350 (West 2013)NoNoClosingNotice of Suit in 3200, FHA, and VA 3200 Note Fixed, Fixed Rate Note Alaska Second, and other Notes5, 36, 58, 1032, and other NotesLoans of $25,000 or less, which have a greater rate of interest, discount, or consideration than otherwise permitted under the Small Loans Act.Not specifiedAt closingALASKA STAT. ANN. § 34.20.160 (West 2013)NoNoClosingAK Loan Statement14786Residential mortgage loansA dwelling (1-to-4 family units) or residential real estate upon which a dwelling will be located.Not specifiedALASKA STAT. ANN. § 06.20.270 (West 2013)NoNoClosingAlaska Escrow Account Agreement16005 (upon request)Residential mortgage loansA dwelling (1-to-4 family units) or residential real estate upon which a dwelling will be located.Not specifiedALASKA STAT. ANN. § 06.60.360 (West 2013)NoNoClick here for Table of ContentsClick here for Table of ContentsArizona(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureAdvanced Fee/Application Disclosure2783A mortgage loan or a mortgage banking loanReal estateBefore accepting any type of application feesARIZ. REV. STAT. ANN. §§ 6-906(c), 6-909(k), & 6-946(c) (2012)YesYesInitial DisclosureAnti-Coercion Insurance Disclosure2788A loan secured by real propertyReal propertyNot specifiedARIZ. REV. STAT. ANN. §§ 6-909(P), 20-452.01, & 20-452.02 (2012)NoNoInitial DisclosureDisclosure of Multiple Roles in a Consumer Real Estate Transaction3581A mortgage loan or a mortgage banking loanReal estateBefore collecting compensation for rendering services as a real estate broker or real estate salesmanARIZ. REV. STAT. ANN. §§ 6-909(I) & 6-947(I) (2012)NoNoAdverse Action & Initial DisclosureAppraisal Disclosure3397A mortgage loan or a mortgage banking loanReal estateWhen loan is declined or cancelledARIZ. REV. STAT. ANN. §§ 6-906(c) & 6-946(c) (2012)YesYesClosingAZ Authorization to Complete Blank Spaces2779A mortgage loan or a mortgage banking loanReal estateClosingARIZ. REV. STAT. ANN. §§ 6-909(A) & 6-947(A) (2012); ARIZ. ADMIN. CODE R 20-4-921 & 20-4-1808 (2013)YesNoClick here for Table of ContentsClick here for Table of ContentsArkansas(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureRight to Choose Attorney3846A potential high-cost home loanEither a 1- to 4- family dwelling or a principal dwelling of the borrower on real estateNot specifiedARK. CODE ANN. § 23-53-103(6)(B)(ii)(h) (West 2012)NoNoInitial DisclosureNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn 4193A mortgage loanA dwelling or residential real estate that contains (or will contain) a dwellingOn the applicationARK. CODE ANN. § 23-39-510(b) (West 2012)NoNoInitial DisclosureTangible Net Benefit Worksheet1253116177?A refinance of a residential mortgage loan or a high-cost home loanA dwelling or residential real estate that contains (or will contain) a dwellingNot specifiedARK. CODE ANN. §§ 23-39-513(10) & 23-53-104(b) (West 2012)NoNoInitial DisclosureAddendum to Statement of Credit Denial, Termination, or Change15905Credit for consumer purposesNot specifiedWhen credit is denied either in whole or in partARK. CODE ANN. §§ 4-93-103 & 4-93-104 (West 2012)NoNoClosingPrincipal and Interest Disclosure on the HUD-1 01-01-1014753 (Federal)CreditNot specifiedClosingARK. CODE ANN. § 4-57-103(a) (West 2012)NoNoClick here for Table of ContentsClick here for Table of ContentsCalifornia(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureCopy of Appraisal Report Notice6A loan transactionResidential real propertyWithin 15 days after lender receives the written application.CAL. BUS. & PROF. CODE § 11423 (West 2012)NoNoInitial DisclosureCA Impound Account Statement1231A loan secured by a deed of trust or mortgageReal property that contains a single-family dwelling that will be occupied by the owner within 90 days of closing.Prior to the execution of the loan or sales agreement.CAL. CIV. CODE § 2954(a) (West 2012)NoNoInitial DisclosureCA Disclosure Receipt2687A federally regulated residential mortgage loan, including a loan made to finance construction of a 1- to 4- family dwelling.Dwellings or residential real propertyWith forms furnished for applicationCAL. BUS. & PROF. CODE § 10240(c) (West 2012); CAL. CODE REGS. tit. 10, § 1950.204 (2013)YesNoInitial DisclosureCA Mortgage Brokerage Agreement2784A federally related mortgage loan, including a construction loanA structure designed principally for occupancy of from 1- to 4- families.As soon as practical after request for brokerage servicesCAL. FIN. CODE § 50701(a)-(f) (West 2012) YesYesInitial DisclosureCA Balloon Disclosure Regarding Extension of Credit2786A loan secured by a dwelling, the principal of which is more than either $30,000 (first lien) or $20,000 (second lien), that contains a balloon payment.A single dwelling unit in a condo or cooperative or a 1- to 4- family residential building.Prior to closingCAL. BUS. & PROF. CODE § 10241.4 (West 2012)NoNoInitial DisclosureCA Home Equity Loan Disclosure2787A home equity loanThe consumer’s dwellingAt the time that the customer makes an initial application in person, or within 3 business days if via mail or telephone.CAL. CIV. CODE § 2971 (West 2012)NoNoInitial DisclosureCA Addendum to Uniform Residential Loan Application2796Credit for the first statute, a consumer loan for the second.Real propertyAs a part of the applicationCAL. CIV. CODE § 1812.30(j) (West 2012); CAL. FIN. CODE §§ 22203 & 22204 (West 2012)NoNoInitial DisclosureCA Consumer Caution and Home Ownership Counseling Notice for Covered Loans2797A covered loanReal property comprised of a 1- to 4- residential unit dwellingNo later than 3 business days prior to closingCAL. FIN. CODE § 4973(k) (West 2012)YesNoInitial DisclosureCA Mortgage Loan Disclosure Statement (Re 882)2798A loan secured by a dwellingReal property, comprised of a 1- to 4- residential unit dwelling that is the principal dwelling of the consumer.Within 3 business days of receiving an application, or before closing (whichever is earlier)CAL. BUS. & PROF. CODE §§ 10240, 10241, & 10241.2 (West 2012); CAL. CODE REGS. tit. 10, § 2840 (2012)NoNoInitial DisclosureCA Title Insurance Disclosure2799An escrow transaction for the purchase of real propertyReal propertyNot specifiedCAL. CIV. CODE § 1057.6 (West 2012)YesNoInitial DisclosureCA Balloon Disclosure2800 (upon request)A loan secured by a dwellingReal property comprised of a 1- to 4- residential unit dwellingWithin 3 business days of receiving an application, or before closing (whichever is earlier)CAL. BUS. & PROF. CODE § 10241(h) (West 2012)NoNoInitial DisclosureHCL Prepayment Charge Disclosure2892A covered loanReal property, comprised of a 1- to 4- residential unit dwelling that is the principal dwelling of the consumer.At least 3 business days prior to closing.CAL. FIN. CODE § 4973(a)(2)(B) (West 2012)NoNoInitial DisclosureNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn 4193Residential mortgage loanA 1- to 4- unit residential structure or residential real estateOn the applicationCAL. FIN. CODE § 22347 (West 2012)NoNoInitial DisclosureCA Finance Lenders Law Statement of Loan - Broker5188Real propertyConsumer loansAt the time the final negotiation is madeCAL. FIN. CODE § 22338 (West 2012); CAL. CODE REGS. tit. 10, § 1454 (2012)NoNoInitial DisclosureCA Addendum to Loan Application6095Not specifiedNot specifiedNot specifiedCAL. FAM. CODE § 297.5 (West 2012)NoNoInitial DisclosureCalifornia Rate Lock Agreement7442A federally-related mortgage loan, including construction loans.Residential real property consisting of a 1- to 4- family structure.Before charging a rate-lock fee, payable before closingCAL. FIN. CODE § 50203(a)(3)(A) & (B) (West 2012)NoNoInitial DisclosureNotice of Automated Valuation Model Result11978A consumer loan transaction secured by real property.Real propertyNo later than 15 days after receiving a completed applicationCAL. FIN. CODE § 22317.2 (West 2012)NoNoInitial DisclosureCA Mortgage Loan Disclosure Statement/Good Faith Estimate (Re 885)12922A nontraditional mortgage product or an adjustable rate loan.Residential real property improved by a 1- to 4- family dwelling.Within 3 business days of receiving an application, or before closing (whichever is earlier)CAL. BUS. & PROF. CODE §§ 10240(a), 10241.2, & 10241.4 (West 2012); CAL. CODE REGS. tit. 10, §§ 1436(d), 2842, & 1950.314.8(d) (2012)YesNoInitial DisclosureCA Disclosure of Negative Amortization12996A first lien covered loan with negative amortization.Real property consisting of 1- to 4- residential units, which is also the principal dwelling of the consumer.Not specifiedCAL. FIN. CODE § 4973(c) (West 2012)YesNoInitial DisclosureCA Comparison of Sample Mortgage Features13522A nontraditional mortgage product or an adjustable rate loan.Residential real property improved by a 1- to 4- family dwelling.Within 3 business days of receiving an application, or before closing (whichever is earlier)CAL. CODE REGS. tit. 10, §§ HYPERLINK "" 1436(d) &1950.314.8(d) (2012)NoNoInitial DisclosureCA Broker HPML Disclosure14956Higher-Priced Mortgage LoanConsumer’s principal dwelling.At the time of initially engaging in broker servicesCAL. FIN. CODE § 4995.2(c) (West 2012)NoNoInitial DisclosureCA Spanish Good Faith Estimate15532A loan or extension of credit secured by residential real property.Residential real property.Prior to closingCAL. CIV. CODE § 1632.5 (West 2012)NoNoInitial DisclosureTangible Net Benefit Worksheet15773A covered loan that refinances a consumer loan.Real property consisting of 1- to 4- residential units, which is also the principal dwelling of the consumer.Not specifiedCAL. FIN. CODE § 4973(j) (West 2012)NoNoInitial DisclosureStatement of Credit Denial, Termination or Charge15858 (Federal)Financial assistance.Housing accommodations.Financial assistanceCAL. CIV. CODE § 1785.20 (West 2012);CAL. CODE REGS. tit. 21, § 7114.2 (2012)NoNoInitial DisclosureCA Loan Commitment16083A federally-related mortgage loan or a construction loan for a 1- to 4- family dwelling.Residential real property containing a 1- to 4- family structure.A federally-related mortgage loan or a construction loan for a 1- to 4- family dwelling.CAL. FIN. CODE § 50203(a)(4) (West 2012)YesYesInitial DisclosureCA Advanced Fee/Application Disclosure16084Loans secured directly or collaterally by liens on real propertyReal propertyLoans secured directly or collaterally by liens on real propertyCAL. CODE REGS. tit. 10, § 2970 (2012)NoNoInitial DisclosureCA Fair Lending Notice16170Financial assistanceHousing accommodationsFinancial assistanceCAL. HEALTH & SAFETY CODE § 35830 (West 2012); CAL. CODE REGS. tit. 21, §§ 7114 & 7114.1 (2012)NoNoInitial Disclosure & ClosingCA Earthquake Insurance Disclosure998A loan secured by a borrower’s separate interest in a condominium project which requires earthquake insurance.A condominium project.As soon as reasonably practicalCAL. CIV. CODE § 2955.1 (West 2012)NoNoInitial Disclosure & ClosingCA Credit Score Disclosure2112Closed-end loans or the establishment of an open-end loan for a consumer purpose.1- to 4- units of residential real property.As soon as reasonably practicalCAL. CIV. CODE §§ 1785.15.1(a) & 1785.20.2(a) (West 2012)NoNoInitial Disclosure & ClosingCA Credit Score Notice2114Closed-end loans or the establishment of an open-end loan for a consumer purpose.1- to 4- units of residential real property.As soon as reasonably practicalCAL. CIV. CODE § 1785.20.2(d) (West 2012)NoNoInitial Disclosure & ClosingCA Insurance Disclosure2350Loan secured by real propertyReal propertyAs soon as practical, but before execution of any note or security documents.CAL. CIV. CODE § 2955.5(a) & (b) (West 2012 CAL. INS. CODE § 770 (West 2012)NoNoClosingCA Per Diem Interest Disclosure878A promissory note secured by a mortgage or deed of trust.Real property improved with between 1- to 4- residential dwelling units.Prior to placing funds in escrow.CAL. CIV. CODE § 2948.5(b) (West 2012); CAL. FIN. CODE § 50204(o) (West 2012)YesNoClosingCA Statement of Loan883A loan of a bona fide amount of less than $10,000Not specifiedAt the time the loan is madeCAL. FIN. CODE § 18231 (West 2012)YesNoClosingCA Notice to Cosigner886A consumer credit transaction (see Cal. Civ. Code §1799.90[a] for specifics)Not specifiedPrior to signingCAL. CIV. CODE § 1799.91 (West 2012)NoNoClosingCA Private Mortgage Insurance Cancellation Disclosure999 or 17040A loan secured by a deed of trust or mortgageReal propertyNo later than 30 days after the close of escrowCAL. CIV. CODE § 2954.6 (West 2012)NoNoClosingRequest For Notice of Default3475Deed of trust or mortgageReal property or an estateAny time subsequent to recording, but before recording notice of defaultCAL. CIV. CODE § 2924b (West 2012)NoYesClosingCA Finance Lenders Law Statement of Loan – Finance Lenders14027Consumer loansReal propertyAt the time the loan is madeCAL. FIN. CODE §§ 22337 & 22400(b) (West 2012); CAL. CODE REGS. tit. 10, § 1454 (2012)NoNoClosingCA Credit Disability Claim Procedure15326A credit transaction that is either 10 years or less in duration, or a construction/improvement loan.Not specified, but real property of 1- to 4- residential units, if construction/improvement loan.At the time the creditor sells the insurance.CAL. CIV. CODE § 1812.402(f)(1) (West 2012) NoNoClosingNotice of Negative Credit InformationOn 4387 (Federal); 16085Not specifiedNot specifiedPrior to or within 30 days after transmitting negative credit informationCAL. CIV. CODE § 1785.26(b) – (d) (West 2012)NoNoClick here for Table of ContentsClick here for Table of ContentsColorado(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureCO Loan Product Choice2749A covered loan which contains a prepayment penalty.Property that is the consumer’s principal dwelling.Not specifiedCOLO. REV. STAT. ANN. § 5-3.5-102(1)(g)(III) (West 2013)YesNoInitial DisclosureCO Consumer Caution Notice2750A covered loan.Property that is the consumer’s principal dwelling.Within a reasonable amount of time after determining the loan is a covered loan, but at least 3 business days before closingCOLO. REV. STAT. ANN. § 5-3.5-103(1)(a)(I) (West 2013)YesNoInitial DisclosureAnti-Coercion Insurance Disclosure2778A loan of money or extension of credit secured by real property.Real property.Not specifiedCOLO. REV. STAT. ANN.§§ 10-3-1105 & 10-4-114 (West 2013)NoNoInitial DisclosureCO Consumer Credit Transaction Disclosure3584A consumer credit transaction or an extension of credit for a consumer purpose.Real estate, including a dwelling that is a residential structure that contains 1 – to 4- units.At or before the time that credit is extendedCOLO. REV. STAT. ANN. §§ 5-3-106 & 12-14.3-104.3(1) (West 2013)NoNoInitial DisclosureNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn 4193 (Federal)Residential mortgage loansA dwelling or residential real estate containing (or will contain) 1- to 4- family dwelling units.On the applicationCOLO. REV. STAT. ANN. § 12-61-918 (West 2013)NoNoInitial DisclosureCO Disclosure12866Residential mortgage loansA dwelling or residential real estate containing (or will contain) 1- to 4- family dwelling units.Within 3 business days after receipt of a loan application or moneyCOLO. REV. STAT. ANN. § 12-61-914(2)(e) & (g) (West 2013)NoNoInitial DisclosureCO Reason for Loan12874A purchase or refinance transaction that is a residential mortgage loanA dwelling or residential real estate containing (or will contain) 1- to 4- family dwelling units.Not specified4 COLO. CODE REGS. § 725-3:3-1-1-5(4) (2013)YesNoInitial DisclosureCO Lock-In Disclosure13134Residential mortgage loansA dwelling or residential real estate containing (or will contain) 1- to 4- family dwelling units.Within 3 business days after receipt of a loan application or moneyCOLO. REV. STAT. ANN. § 12-61-914(2)(d), (2)(f), & (3) (West 2013); 4 COLO. CODE REGS. § 725-3:5-1-2-5(6) (2013)YesYesInitial DisclosureCO Prepayment Penalty Disclosure13355Residential mortgage loans that contain a prepayment penalty.A dwelling or residential real estate containing (or will contain) 1- to 4- family dwelling units.Not specified4 COLO. CODE REGS.§ 725-3:3-1-4-5(2) (2013)NoNoInitial DisclosureCO Dual Status Disclosure14095Residential mortgage loansA dwelling or residential real estate containing (or will contain) 1- to 4- family dwelling units.Within 3 business days after receipt of a loan application or any moneys from a borrower.COLO. REV. STAT. ANN. § 12-61-912 (West 2013); 4 COLO. CODE REGS.§ 725-3:7-1-1-4 (2013)YesYesInitial DisclosureItemization of Amount Financed 01-01-1014224 (Federal)Residential mortgage loansA dwelling or residential real estate containing (or will contain) 1- to 4- family dwelling units.Within 3 business days after receipt of a loan application or moneyCOLO. REV. STAT. ANN. § 12-61-914(2)(b) (West 2013); 4 Colo. Code Regs. § 725-3:5-1-2-5(3)YesYesInitial DisclosureCost of Insurance Disclosure16488Consumer credit transactionLandNot specifiedCOLO. REV. STAT. ANN.§ 5-2-202(3) (West 2013)YesNoInitial Disclosure & ClosingCO Refinance Disclosure993Loans secured by a first lien that refinances a purchase or construction loan.A residential dwelling consisting of not more than 4 dwelling units.Not specifiedCOLO. REV. STAT. ANN. §§ 5-1-301(26)(c) & 5-5-112 (West 2013)NoNoInitial Disclosure & ClosingCO Tangible Net Benefit Disclosure12873A covered loan that refinances an existing covered loan, or residential mortgage loans.Property consisting of the consumer’s principal dwelling, or a dwelling or residential real estate upon which there are 1- to 4- family dwelling units.To be completed at the time of completing the application and (if any change occurs) prior to signingCOLO. REV. STAT. ANN. §§ 5-3.5-103(1)(c), 12-61-904.5, & 12-61-914(2)(e) & (g) (West 2013); 4 Colo. Code Regs. § 725-3:3-1-1-5 (2013)Yes, pursuant to formYes, pursuant to formClosingAssignment Sale or Transfer of Servicing21 (Federal)Consumer credit transactionLandBefore consumer begins payments to assigneeCOLO. REV. STAT. ANN. § 5-3-102 (West 2013)NoNoClosingCO Notice to Cosigners994Consumer credit transactionLandBefore or contemporaneously with the co-signor signing any agreement or writing setting forth the terms of the agreementCOLO. REV. STAT. ANN. § 5-3-105 (West 2013)NoNoClosingCO Balloon Note Disclosure2793Consumer credit transaction that contains a balloon payment.LandAt the time the transaction is entered into.COLO. REV. STAT. ANN. § 5-3-208 (West 2013)NoNoClosingCO Disburser’s Notice3760Mechanic’s liensLand that is to be improvedPrior to the first disbursement COLO. REV. STAT. ANN. § 38-22-126(2) (West 2013)NoNoClick here for Table of ContentsClick here for Table of ContentsConnecticut(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureCT Private Mortgage Insurance Disclosure1029First mortgage loan1-to-4 family residential, owner-occupied real property.At the time the application is filedCONN. GEN. STAT. ANN. § 36a-726(a) (West 2013)NoNoInitial DisclosureCT Real Estate Broker/Salesperson Disclosure3589First mortgage loan1-to-4 family residential real estatePrior to the buyer’s signing a broker contractCONN. GEN. STAT. ANN. § 20-325c(b) & (c) (West 2013)YesNoInitial DisclosureAnti Coercion Insurance3750Residential real estateMortgage loanNot specifiedCONN. GEN. STAT. ANN. §§ 36a-757 & 38a-816(11) (West 2013)NoNoInitial DisclosureCT Agreement Concerning Nonrefundability of Advance Fees3751Residential mortgage loansA dwelling (as defined in 15 USCA §1602), or residential real estate which is or will contain such a dwelling.Prior to the payment of any advance feeCONN. GEN. STAT. ANN. § 36a-498(c) (West 2013)YesYesInitial DisclosureCT Notice of Right to Receive Copy of Appraisal3752Mortgage loan1-to-4 family residential real propertyNo later than 10 days after receipt of an appraisal report, but before consummationCONN. GEN. STAT. ANN. § 36a-755(b) & (c) (West 2013)NoNoInitial DisclosureCT Disclosure Regarding Legal Representation3753A first lien mortgage loan1-to-4 family residential real propertyWhen an application is filedCONN. GEN. STAT. ANN. § 49-6d (West 2013)YesNoInitial DisclosureCT Interim Financing Disclosure3754A first lien mortgage loan1-to-4 family residential real propertyAt the time when an application is filedCONN. GEN. STAT. ANN. § 49-6a(b) (West 2013)YesNoInitial DisclosureNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn 4193A residential mortgage loanA dwelling or residential real estate upon which is, or will be, a dwelling (defined in 15 USCA §1602)At applicationCONN. GEN. STAT. ANN. § 36a-498d(West 2013)NoNoInitial DisclosureTangible Net Benefit Worksheet1253116177?A high cost home loan1-to-4 family residential property, which is the borrower’s principal residence.Not specifiedCONN. GEN. STAT. ANN. §§ 36a-746e(8) & 36a-760g(b) (West 2013)NoNoInitial DisclosureCT High Cost Home Loan Disclosure13002High cost home loanBorrower-occupied 1-to-4 family residential propertyWhen the loan is madeCONN. GEN. STAT. ANN. § 36a-746b (West 2013)NoNoInitial DisclosureAddendum to Loan Application – CT, DC, IL, NH, NV and OR13441Not specifiedNot specifiedAt applicationKerrigan v. Commissioner of Public Health, 957 A.2d 407 (Conn. 2008)NoNoInitial DisclosureCT Nonprime Home Loan Disclosure14773Nonprime home loans of $417,000 or less.1-to-4 family residential real property, which is also the borrower’s principal residence.No later than 3 business days after receipt of a completed applicationCONN. GEN. STAT. ANN. §§ 36a-760a(c) & 36a-760d(3) (West 2013)NoNoInitial DisclosureCT Higher Interest Rate In Lieu of PMI Disclosure14798A first mortgage loan, made to an individual, wherein the interest rate exceeds 80% LTV ratio1-to-4 family residential, owner-occupied real propertyAt the time the application is filedCONN. GEN. STAT. ANN. § 36a-726(b)(West 2013)NoNoInitial DisclosureInterest Rate Lock Commitment15855First mortgage loansA dwelling or residential real estate upon which is, or will be, a dwelling (defined in 15 USCA §1602)Before the lender commits to making a loan at a specified rate within a specified period of time.CONN. GEN. STAT. ANN. §§ 36a-705(4) & 36a-706(a) (West 2013)NoYesInitial DisclosureAddendum to Statement of Credit Denial, Termination, or Change15905A home purchase, home improvement, or mortgage loan.Residential real property, a dwelling, or real property.Adverse ActionCONN. AGENCIES REGS. § 36a-744-7(b) (2013)NoNoClosingCT Notification of Note Payoff16059A residential real estate transaction involving the payoff of a mortgage loanA 1-to-4 family dwellingWithin 2 business days from the date of completion of the closingCONN. GEN. STAT. ANN. § 49-10b(b) (West 2013)NoNoClick here for Table of ContentsClick here for Table of ContentsDelaware(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureDE Broker Agreement3583A mortgage loanA 1-to-4 family residential, owner-occupied propertyPrior to the time that brokerage services are providedDEL. CODE ANN. tit. 5, § 2113 (West 2013); 5 DEL. ADMIN. CODE § 2104-2.0 (2013)YesYesInitial DisclosureDE Mortgage Loan Broker Regulations3593A mortgage loanA 1-to-4 family residential, owner-occupied propertyAt the time application is made5 DEL. ADMIN. CODE § 2103-1.0 (2013)NoNoInitial DisclosureAnti-Coercion Insurance3750A mortgage or lien on, or a loan secured by, real propertyReal property, particularly 1-to-4 family residential propertiesNot specifiedDEL. CODE ANN. tit. 18, § 2305 & tit. 25, §2119(b) (West 2013)NoNoInitial DisclosureDE Licensed Lenders Regulations3845A revolving credit plan or closed end credit.Not specifiedAt the time that application is madeDEL. CODE ANN. tit. 5, §§ 2218(a)(6) & 2231(3) (West 2013); 5 DEL. ADMIN. CODE § 2203-1.0 (2013)NoNoInitial DisclosureNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn 4193A residential mortgage loanA dwelling (as defined in 15 USCA §1602( or residential real estate which has or will have a dwellingAt applicationDEL. CODE ANN. tit. 5, § 2420 (West 2013)NoNoInitial DisclosureDE Mortgage Loan Commitment Letter15752A mortgage loanA 1-to-4 family residential, owner-occupied propertyBefore a mortgage broker licensed under Chapter 21, Title 5 (Del. Code Ann. tit. 5, §2101 et seq.) receives most fees.DEL. CODE ANN. tit. 5, § 2115 (West 2013)NoNoClick here for Table of ContentsClick here for Table of ContentsDistrict of Columbia(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial Disclosure, TILA Redisclosure, and ClosingInitial Truth-in-Lending Disclosure, ARM Disclosure – Lender, and other TILA Disclosures1591 (Federal), 14089 (Federal), and other TILA DisclosuresA loan, financial, or consumer credit transactionResidential real propertyPrior to execution of the loan or financial transactionD.C. CODE § 28-3301(f)(3) (2012)NoNoInitial Disclosure, Processing, TILA Redisclosure, Underwriting, and ClosingVarious Federal disclosures used to fulfill loan application disclosure requirements1591 (Federal), 4193 (FNMA), 14089 (Federal), and 14221 (Federal)A mortgage loanA dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling, specifically a 1-to-4 family homeOn or with the applicationD.C. MUN. REGS. tit. 26C, § 1116 (2013)YesNoInitial DisclosureAnti-Coercion Insurance Disclosure2778A credit extensionReal propertyNot specifiedD.C. CODE § 31-2231.20(c) (2012)NoNoInitial DisclosureDC Financing Agreement3633A mortgage loanA dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling, specifically a 1-to-4 family homeAt least 72 hours before the time of settlementD.C. CODE § 26-1113(a) (2012)YesYesInitial DisclosureDC Red Flag Warning Disclosure Notice4245A covered loan Residential real property in which there is (or is to be) located a 1-to-4 family unit structure which is (or will be) the borrower’s principal dwellingAt least 3 business days prior to closingD.C. CODE § 26-1152.11 & 26-1152.19 (2012); D.C. MUN. REGS. tit. 26C, §§ 2005 & 2099 (2013)YesNoInitial DisclosureDC Disclosure of Dual Capacity5072A mortgage loanA dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingAt the time brokerage services are first offeredD.C. CODE § 26-1114(b)(3) (2012)YesYes (broker’s signature)Initial DisclosureDC Lock-In Agreement10455A mortgage loanA dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingNot specifiedD.C. MUN. REGS. tit. 26C, §§ 1117.4, 1117.5, & 1117.6 (2013)YesYesInitial DisclosureDC Mortgage Disclosure Form13354A non-conventional mortgage loan (a mortgage loan that is not a fixed-rate one with an amortization period of less than 30 years)A dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingWithin 3 business days of an applicationD.C. CODE § 26-1113(a-1) (2012)YesYesInitial DisclosureAddendum to Loan Application13441A mortgage or deed of trustNot specifiedNot specifiedD.C. CODE § 15-502 (2012)NoNoInitial DisclosureDC Spanish Mortgage Disclosure Form15561A non-conventional mortgage loan (a mortgage loan that is not a fixed-rate one with an amortization period of less than 30 years)A dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingWithin 3 business days of an applicationD.C. CODE § 26-1113(a-1)(8)(b) (2012)YesYesInitial DisclosureCost of Insurance Disclosure16488Either: (1) a covered loan; or (2) a loan or financial transactionEither: (1) residential real property in which there is (or is to be) located a 1-to-4 family unit structure which is (or will be) the borrower’s principal dwelling; or (2) propertyAt least 3 days before closingD.C. CODE §§ 26-1152.03 and 28-3311(a)(4) & (a)(5) (2012)YesNoInitial Disclosure & ClosingWaiver of 72 Hour Notice8268 (upon request)A mortgage loanA dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling, specifically a 1-to-4 family homePrior to execution of the financing agreementD.C. CODE § 26-1113(b)(2) (2012)YesNoClosingDC Final Financing Agreement13979A mortgage loanA dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling, specifically a 1-to-4 family homeAt least 72 hours prior to closing, unless the borrower signs a waiverD.C. CODE §§ 26-1113(a) & (b) and 26-1114(a)(8) (2012); D.C. MUN. REGS. tit. 26C, §§ 1117.1, 1117.2, & 1117.3 (2013)YesYesInitial Disclosure & ClosingDC Nonresident Borrower Confirmation17181 (upon request)A covered loanResidential real property in which there is (or is to be) located a 1-to-4 family unit structure which is (or will be) the borrower’s principal dwellingBefore a co-borrower, who does not own or reside in the subject property, is added to a covered loanD.C. CODE § 26-1152.02(a)(4 (2012))YesNoClosingDC Escrow Account Disclosure1026Either: (1) a mortgage loan; or (2) a loan or financial transaction. In either case, the loan must have present either a downpayment of 20% of the purchase price or the borrower has an equity interest of 20% or more of the fair market valueEither: (1) a dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling; or (2) residential real propertyOn the date of execution of the loan or financial transactionD.C. CODE §§ 26-1115(b) & 28-3301(f)(2) (2012)NoNoClosingHELOC Deed of Trust – DC1340A credit line deed of trustSingle family residential property used for nontransient residential purposesOn the deed of trustD.C. CODE § 42-2302 (2012)NoNoClosingDC Real Property Recordation and Transfer Tax Forms FP 7/C & DC Real Property Recordation and Transfer Tax Addendum2485 & 16282 (upon request)Not specifiedReal propertyAt the time of recordingD.C. MUN. REGS. tit. 9, §§ 335, 337 & 338 (2013)NoNoClick here for Table of ContentsClick here for Table of ContentsFlorida(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial Disclosure and TILA RedisclosureDisclosure of APR and Monthly Payments on Truth-in-Lending DisclosureOn 1591 (Federal)A high-cost home loanA consumer’s principal dwelling consisting of 1-to-4 family housing units.Not less than 3 business days prior to consummationFLA. STAT. ANN. § 494.00792(1)(b) (West 2012)NoNoInitial Disclosure and TILA RedisclosureInitial Truth-in-Lending Disclosure1591 (Federal) & CHARM Booklet (Federal)A mortgage loanA dwelling (as defined in 12 USCA §§1601 et seq.) or residential real estate upon which a dwelling is to be constructed.At the time when an adjustable rate mortgage loan is offered and whenever the terms of such loan materially changes before closing.FLA. STAT. ANN. § 494.0038(4) (West 2012)NoNoInitial DisclosureFL Anti Coercion Insurance Notice2834An extension of credit or loanNot specifiedWhen negotiations begin and before application.FLA. STAT. ANN. § 626.9551(1) (West 2012); FLA. ADMIN. CODE ANN. r. 69B-124.002, 69B-124.013, 69O-124.002, & 69O-124.013 (2013)YesNoInitial DisclosureFL Application Disclosure3421A mortgage loanA dwelling (as defined in 12 USCA §§1601 et seq.) or residential real estate upon which a dwelling is to be constructed.Before accepting typical advanced fees.FLA. STAT. ANN. § 494.0068(1) (West 2012)YesNoInitial DisclosureFL Mortgage Broker Agreement3474A mortgage loanA dwelling (as defined in 12 USCA §§1601 et seq.) or residential real estate upon which a dwelling is to be constructed.Within 3 business days after applicationFLA. STAT. ANN. §§ 494.0038 & 494.00421 (West 2012); FLA. ADMIN. CODE ANN. r. 69V-40.008 & 69V-40.175 (2013)YesYesInitial DisclosureFL Notice to Purchaser – Mortgagor4131Not specifiedNot specifiedNot specifiedFLA. STAT. ANN. § 627.798 (West 2012); FLA. ADMIN. CODE ANN. r. 69O-186.002 (2013)YesNoInitial DisclosureFL Broker Disclosure4133A mortgage loanA dwelling (as defined in 12 USCA §§1601 et seq.) or residential real estate upon which a dwelling is to be constructed.At the time a mortgage agreement is signed or a typical advance fee is accepted, but at least 3 business days before execution of closing.FLA. STAT. ANN. § 494.0038(3) (West 2012)NoNoInitial DisclosureFL Fair Lending Act – High Cost Loan Notice4503A high-cost home loanA consumer’s principal dwelling consisting of 1-to-4 family housing units.Not less than 3 business days prior to consummationFLA. STAT. ANN. § 494.00792(1)(c) (West 2012)NoNoInitial DisclosureFL Conflict of Interest Disclosure4550A mortgage transactionNot specifiedNot specifiedFLA. STAT. ANN. § 494.0023 (West 2012); FLA. ADMIN. CODE ANN. r. 69V-40.260(2)(f) (2013)NoNoInitial DisclosureFL High-Cost Home Loan Notice to Borrower5282A high-cost home loanA consumer’s principal dwelling consisting of 1-to-4 family housing units.Not less than 3 business days prior to consummationFLA. STAT. ANN. § 494.00792(1)(a) (West 2012)NoNoInitial DisclosureFlorida Credit Life Disclosure7225An installment loan or a home equity line of creditNot specifiedBefore any credit life insurance may be sold.FLA. STAT. ANN. § 627.679(c) (West 2012)Yes, when insurance not sold telephonically to borrowerNoInitial DisclosureTangible Net Benefit Worksheet12531 (upon request)A loan which refinances a high-cost home loanA consumer’s principal dwelling consisting of 1-to-4 family housing units.Not specifiedFLA. STAT. ANN. § 494.00791(9) (West 2012)NoNoInitial DisclosureFL Interest Rate Lock Agreement13498A mortgage loanA dwelling (as defined in 12 USCA §§1601 et seq.) or residential real estate upon which a dwelling is to be constructed.Not specifiedFLA. STAT. ANN. § 494.0069 (West 2012); FLA. ADMIN. CODE ANN. r. 69V-40.155 & 69V-40.260 (2013)NoYesInitial DisclosureFL High Cost Loan Prepayment Penalty Disclosure15133A high-cost home loanA dwelling (as defined in 12 USCA §§1601 et seq.) or residential real estate upon which a dwelling is to be constructed.At least 3 business days prior to the loan consummation.FLA. STAT. ANN. § 494.00791(1)(b)(2) (West 2012)NoNoInitial DisclosureGood Faith Estimate 01-01-1014221 (Federal)A mortgage loanA dwelling (as defined in 12 USCA §§1601 et seq.) or residential real estate upon which a dwelling is to be constructed.Within 3 business days after a licensee under Part III, Chapter 494 of Florida’s Annotated Statues receives a written loan application.FLA. STAT. ANN. § 494.0067(8) (West 2012); FLA. ADMIN. CODE ANN. r. 69V-40.260(2)(a)NoNoInitial Disclosure or ClosingFlorida Radon Gas Notification9541 (upon request)Not specifiedA buildingAt the time of or prior to contract for sale and purchase of any building.FLA. STAT. ANN. § 404.056(5) (West 2012)NoNoInitial Disclosure, Processing, TILA Redisclosure, and ClosingFL Disclosure of Material Change12926 (upon request)Mortgage loanResidential real estate, commercial real property, or real property of 5 or more dwelling units.Within 3 business days of being made aware of any changes, but at least 3 business days before signing of the closing statement.FLA. STAT. ANN. §§ 494.004(2) & 494.0067(10) (West 2012)NoNoClosingRight to Cancel – NOT a Refi. With Original Lender H-88204 (Federal), 8205 (Federal), & 8206 (Federal)A high-cost home loanA consumer’s principal dwelling consisting of 1-to-4 family housing units.At closingFLA. STAT. ANN. § 494.00792(2)(d) (West 2012)NoNoClick here for Table of ContentsClick here for Table of ContentsGeorgia(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureAcknowledgment of Receipt of Good Faith Estimate and Good Faith Estimate 01-01-10879 (upon request) & 14221 (Federal)A mortgage loanA 1-to-4 family residential property, which is the primary residence of a natural person, but does not include rental property or second homesWithin 3 business days after the application is receivedGA. CODE ANN. § 7-1-1014(2) (West 2012);GA. COMP. R. & REGS. 80-11-1-.01(6) & (7) (2013)NoNoInitial DisclosureAnti-Coercion Insurance Disclosure2778A financing of real propertyReal propertyNot specifiedGA. CODE ANN. § 33-6-4(b)(11) (West 2012)NoNoInitial DisclosureAdvanced Fee/Application Disclosure2783Either: (1) a mortgage loan; or (2) a residential mortgage loanEither: (1) a 1-to-4 family residential property that is the primary residence of a natural person; or (2) A dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling, consisting of 1-to-4 unitsBefore accepting any application, property appraisal, credit report, or any other third-party feeGA. CODE ANN. § 7-1-1014(1) (West 2012); GA. COMP. R. & REGS. 80-11-1-.01(1) & (4) (2013)YesNoInitial DisclosureRight to Choose Attorney3846Not specified, but practically required only in connection with high-cost home loans.Not specified, but practically real estate upon which is located a 1-to-4 family, borrower-occupied principal dwellingNot specifiedGA. CODE ANN. § 7-6A-2(12)(B) & (G)(ii) (West 2012) NoNoInitial Disclosure, Processing, Underwriting, ClosingNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn 4193 (FNMA)A residential mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling, consisting of 1-to-4 unitsOn the applicationGA. CODE ANN. § 7-1-1004.3 (West 2012)NoNoInitial DisclosureGA Disclosure of Net Tangible Benefit4235A high-cost home loan which refinances a special home loan consummated with the prior 5 yearsReal estate upon which is located a 1-to-4 family, borrower-occupied principal dwellingNot specifiedGA. CODE ANN. § 7-6A-4 (West 2012)NoNoInitial DisclosureGA Lock-In Agreement15969 (upon request)A mortgage loanA 1-to-4 family residential property, which is the primary residence of a natural person, but does not include rental property or second homesNot specifiedGA. CODE ANN. §§ 7-1-1000(16), 7-1-1021, & 13-5-30(7) (West 2012)NoYesClosingOn all Notes and Georgia Security DeedsOn 5, all other Notes, and 318, 371, 477, and 1406A high-cost home loanReal estate upon which is located a 1-to-4 family, borrower-occupied principal dwellingNot specifiedGA. CODE ANN. § 7-6A-5(15) (West 2012)NoNoClosingGA Affidavit of Exemption Form Withholding Seller1010A sale or transfer of real property of $20,000 or more.Real propertyNot specifiedGA. CODE ANN. § 48-7-128 (West 2012); GA. COMP. R. & REGS. 560-7-8-.34 & 560-7-8-.35 (2013) YesNoClosingGA Foreclosure Disclosure1011A mortgage loanA 1-to-4 family residential property, which is the primary residence of a natural person, but does not include rental property or second homesAt or before the time of closingGA. CODE ANN. § 7-1-1014(3) (West 2012); GA. COMP. R. & REGS. 80-11-1-.01(8) (2013)YesNoClosingGA Application for Homestead Tax Exemption1016Not specifiedA homesteadNot specifiedGA. CODE ANN. §§ 48-5-44 & 48-5-45 (West 2012)NoNoClosingGA Fair Market Property Values Affidavit15037A long-term note secured by real estate, in which any part of the principal falls due more than 3 years from the date of the noteReal property located in more than one countyAt recordingGA. CODE ANN. § 48-6-69(a) (West 2012)YesNoClick here for Table of ContentsClick here for Table of ContentsHawaii(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureAnti-Coercion Insurance Disclosure2778A loan of money or an extension of creditNot specifiedNot specifiedHAW. REV. STAT. § 431:13-104(c) (West 2012)NoNoInitial Disclosure, Processing, Underwriting, and ClosingNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn 4193 (FNMA)Residential mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estate, upon which a dwelling is (or is intended to be) constructedOn the applicationHAW. REV. STAT. § 454F-19 (West 2012)NoNoInitial DisclosureHI Public Information Notice16995A loan secured by residential propertyResidential propertyWithin 3 business days after the application is submitted or within 3 business days after the property is required to be securedHAW. REV. STAT. § 667-41 (West 2012)NoNoInitial Disclosure, TILA Redisclosure, and ClosingInitial and Closing Truth-in-Lending Disclosures18 (Federal) & 1591 (Federal)Either: (1) a precomputed or simple interest loan; or (2) a consumer credit transaction that, generally, does not exceed $250,000, but generally excluding a first lien and a purchase-money junior mortgage lienNot specified, but includes real property used as the borrower’s principal dwellingVarious timesHAW. REV. STAT. §§ 412:9-302 & 478-4(b) (West 2012)NoNoClick here for Table of ContentsClick here for Table of ContentsIdaho(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial Disclosure, TILA Redisclosure, and ClosingInitial Truth-in-Lending Disclosure and Good Faith Estimate 01-01-1018 (Federal), 1591 (Federal), & 14221 (Federal)Either: (1) a residential mortgage loan; or (2) a credit transaction subject to the Federal Consumer Credit Protection ActEither: (1) a dwelling (as defined in Section 103[v] of TILA) or on residential real estate upon which is (or is intended to be) constructed such a dwelling; or (2) not specifiedVarious timesIDAHO CODE ANN. §§ 26-31-211(3) & 28-43-201 (West 2013); IDAHO ADMIN CODE r. 12.01.10.050(2) (2013)NoNoInitial DisclosureID Mortgage Banker Application2688A residential mortgage loan or a loan modificationA dwelling (as defined in Section 103[v] of TILA) or on residential real estate upon which is (or is intended to be) constructed such a dwellingUpon receipt of application, but before receiving any money from a borrowerIDAHO ADMIN CODE r. 12.01.10.050(1) (2013)NoNoInitial DisclosureAnti-Coercion Insurance Disclosure2778Purchase loanReal propertyNot specifiedIDAHO CODE ANN. §§ 41-1310 & 41-1312 (West 2013)NoNoInitial DisclosureID Interest Rate Lock/Float Information2789A residential mortgage loanA dwelling (as defined in Section 103[v] of TILA) or on residential real estate upon which is (or is intended to be) constructed such a dwellingAt the time of applicationIDAHO ADMIN CODE r. 12.01.10.050 (3) & (4) (2013)YesYesInitial DisclosureID Prepayment Penalty Disclosure3770Either: (1) a regulated consumer credit transaction; or (2) a residential mortgage loanEither: (1) real property; or (2) a dwelling (as defined in Section 103[v] of TILA) or on residential real estate upon which is (or is intended to be) constructed such a dwellingWithin 3 business days of receipt of an applicationIDAHO CODE ANN. § 28-42-306 (West 2013); IDAHO ADMIN CODE r. 12.01.10.050(6) (2013)YesNoInitial Disclosure, Processing, Underwriting, and ClosingNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn 4193 (FNMA)A residential mortgage loanA dwelling (as defined in Section 103[v] of TILA) or on residential real estate upon which is (or is intended to be) constructed such a dwellingOn the applicationIDAHO CODE ANN. § 26-31-320 (West 2013)NoNoInitial DisclosureID Interest Rate Lock-In Confirmation Agreement14157A residential mortgage loanA dwelling (as defined in Section 103[v] of TILA) or on residential real estate upon which is (or is intended to be) constructed such a dwellingWithin no more than 3 business days after entering into a lock-in agreementIDAHO CODE ANN. § 26-31-211(9) (West 2013); ); IDAHO ADMIN CODE r. 12.01.10.050(4) (2013)NoNoInitial DisclosureID Commitment Agreement16367 (upon request)A loan of money or an extension of credit of $50,000 or more.Not specifiedNot specifiedIDAHO CODE ANN. § 9-505(5) (West 2013)NoYesInitial Disclosure and ClosingID Reserve Account Disclosure10170A residential mortgage loan, in which an impound or escrow account is maintainedResidential real propertyNot specifiedIDAHO CODE ANN. § 26-2807 (West 2013)NoNoInitial Disclosure and ClosingGood Faith Estimate 01-01-10 and HUD-1 01-01-1014221 (Federal) & 14753 (Federal)A residential mortgage loanA dwelling (as defined in Section 103[v] of TILA) or on residential real estate upon which is (or is intended to be) constructed such a dwellingBefore accepting any fees at closingIDAHO CODE ANN. § 26-31-317(19) (West 2013)NoNoClick here for Table of ContentsClick here for Table of ContentsIllinois(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureIL Right to Choose Title1097An extension of credit or a loan secured by an interest in real estateReal estate which shall have a single family residence or residential condo unit occupied (or to be occupied) as a principal residence by the borrower or beneficiaryNot specified815 ILL. COMP. STAT. ANN. 505/2T (West 2013)NoNoInitial DisclosureIL Borrower Information Document1206A residential mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingBefore the borrower signs the application, or gives the licensee any consideration (whichever comes first)ILL. ADMIN. CODE tit. 38, § 1050.1110(a) & (i) (2013)YesNoAdverse Action and Initial DisclosureIL Failure to Qualify Notice1603A residential mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingImmediately after determining that a borrower does not qualify for the loan applied for and the costs of another recommended program materially differILL. ADMIN. CODE tit. 38, § 1050.1230(a) (2013)NoNoAdverse Action and Initial DisclosureIL Notice of Change Affecting Loan1605A residential mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingWhen a notice is received from a secondary market underwriter, an investor, the FHA, or the VA, that materially affects a loan in processILL. ADMIN. CODE tit. 38, § 1050.1230(b) (2013)NoNoInitial DisclosureIL Mortgage Awareness Program Notice1902A high risk home loanA borrower’s principal residencePrior to making a high risk home loan815 ILL. COMP. STAT. ANN. 137/110(f) (West 2013); ILL. ADMIN. CODE tit. 38, §§ 160.575(a) & 190.575(a) (2013) NoNoInitial DisclosureIL Mortgage Awareness Waiver1903A high risk home loanA borrower’s principal residenceNo less than 2 business days after the borrower receives Cx1902815 ILL. COMP. STAT. ANN. 137/110(h) (West 2013); ILL. ADMIN. CODE tit. 38 §§ 160.575(c) & 190.575(c) (2013) Yes (based on form promulgated)NoInitial DisclosureIL Loan Brokerage Disclosure Statement1908A residential mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingBefore the borrower signs a loan brokerage agreement or pays any consideration (whichever comes first)ILL. ADMIN. CODE tit. 38, § 1050.1020 (2013)YesNoInitial DisclosureIL Loan Brokerage Agreement1909A residential mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingBefore the borrower signs the application, or pays any consideration (whichever comes first)ILL. ADMIN. CODE tit. 38, §§ 1050.1010, 1050.1170, 1050.1335, & 1050.1340 (2013)YesYesInitial DisclosureAnti-Coercion Insurance Disclosure2778A loan between $500 and $40,000, which has a greater rate of interest or discount than allowed under other lawsReal propertyNot specified205 ILL. COMP. STAT. ANN. 670/15b (West 2013)NoNoInitial DisclosureAdvanced Fee/Application Disclosure2783A residential mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingNot specifiedILL. ADMIN. CODE tit. 38, §§ 1050.1335(a) & 1050.1340 (2013)YesYesInitial Disclosure, Processing, Underwriting, and ClosingNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn 4193A residential mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingOn the application205 ILL. COMP. STAT. ANN. 635/7-14 (West 2013)NoNoInitial DisclosureIL Required Underwriting Documentation4558A residential mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingAt the time of applicationILL. ADMIN. CODE tit. 38, § 1050.1120 (2013)NoNoInitial DisclosureIL GFE Charges Paid by Seller13000A FHA-insured or VA-guaranteed residential mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingAt the time of applicationILL. ADMIN. CODE tit. 38, § 1050.1320(b) (2013)NoNoInitial DisclosureIL Notice to Borrower13001A high risk home loanA borrower’s primary residenceBefore offering or making a high risk home loan and not later than 3 business days before closing.815 ILL. COMP. STAT. ANN. 137/95 (West 2013)YesNoInitial DisclosureAddendum to Loan Application13441Either: (1) not specified; or (2) a residential mortgage loanEither: (1) not specified; or (2)a dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingWith forms furnished for application by mail750 ILL. COMP. STAT. ANN. 75/20 (West 2013); ILL. ADMIN. CODE tit. 38, § 1050.1150 (2013) NoNoInitial DisclosureIL Float/Rate-Lock Fee Agreement14101A residential mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingNot specified, but practically before closingILL. ADMIN. CODE tit. 38, § 1050.1335(a)(2) (2013)YesYesInitial DisclosureIL Pledged Time Deposit Account Disclosure – Example14180A residential mortgage loan, which is for the purchase of the property, but which is not for either FHA-insured or VA-guaranteedA dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling, which is also owner-occupied, single-family real estateBefore an applicant signs the application or gives the licensee any consideration, whichever comes first765 ILL. COMP. STAT. ANN. 910/6 (West 2013); ILL. ADMIN. CODE tit. 38, § 1050.1110(f) (2013)NoNoInitial DisclosureIL Loan Approval Notice14271 (upon request)A residential mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingImmediately upon approval of a residential mortgage loan applicationILL. ADMIN. CODE tit. 38, § 1050.1305 (2013)NoNoInitial DisclosureHigh Cost Tangible Net Benefit Worksheet15773 (upon request)A high risk home loanA borrower’s principal residenceNot specified815 ILL. COMP. STAT. ANN. 137/45 (West 2013)NoNoInitial DisclosureIL Notice of Independent Review16096A high risk home loanA borrower’s primary residenceNot specified815 ILL. COMP. STAT. ANN. 137/125 (West 2013)NoNoInitial DisclosureIL Notice of Material Change in Loan Terms16217 (upon request)A residential mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingNo later than 3 days after learning of the change or 24 hours before closing, whichever is earlier205 ILL. COMP. STAT. ANN. 635/5-9 (West 2013)NoNoInitial DisclosureIL Disclosure of Refinancing Options16232 (upon request)A residential mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingWhen the subject of a future loan is discussed205 ILL. COMP. STAT. ANN. 635/5-12 (West 2013)NoNoInitial DisclosureIL Mortgage Escrow Account Act1207A residential mortgage loan, which is a purchase loan, but not FHA-insured or VA-guaranteed and in which there is a certainly that an escrow account will not be establishedA dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling, but which is also a single-family security, owner-occupied real estateBefore the borrower signs the application, or pays any consideration (whichever comes first).765 ILL. COMP. STAT. ANN. 910 (West 2013); ILL. ADMIN. CODE tit. 38, §§ 1050.1110(f) & 1050.1360(a)(1) (2013) YesNoInitial Disclosure and ClosingIL Private Mortgage Insurance Disclosure1311A mortgage, in connection with which private mortgage insurance may be required, but not FHA-insured or VA-guaranteed loansThe principal, single family residence of the mortgagorNot specified765 ILL. COMP. STAT. ANN. 930/15 (West 2013)NoNoInitial Disclosure and ClosingIL Notice of Material Facts16231 (upon request)A residential mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingNot specified205 ILL. COMP. STAT. ANN. 635/5-7(a)(3) (West 2013)NoNoClosingAssignment Sale or Transfer of Servicing21 (Federal)A residential mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingSimultaneous with the transfer of servicing205 ILL. COMP. STAT. ANN. 635/3-7 (West 2013); ILL. ADMIN. CODE tit. 38, § 1050.820 (2013)NoNoClosingHomestead Waiver in IL MortgageOn 323A loan secured by a mortgageA homesteadIn the mortgage735 ILL. COMP. STAT. ANN. 5/12-904 (West 2013); 765 ILL. COMP. STAT. ANN. §§ 5/11 & 5/27 (West 2013)YesNoClosingIL Escrow Account Disclosure Agreement1012A primary lien, residential mortgage loan which provides for an escrow accountA dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingAt closingILL. ADMIN. CODE tit. 38, § 1050.1360(b) (2013)YesYesAdverse Action and ClosingIL Failure to Close Disclosure1013A residential mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingAfter a loan fails to closeILL. ADMIN. CODE tit. 38, § 1050.1355 (2013)NoNoClosingIL Pledged Time Deposit Account Disclosure1014Either: (1) a purchase loan; or (2) a residential mortgage loan, which is for the purchase of the property, but which is not for either FHA-insured or VA-guaranteedEither: (1) a residence; or (2) a dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling, which is also owner-occupied, single-family real estateAt closing765 ILL. COMP. STAT. ANN. 910/6 (West 2013); ILL. ADMIN. CODE tit. 38, § 1050.1360(a)(1) (2013)YesNoClosingIL Collateral Protection Act Notice1302A credit transactionPropertyIn or with the credit agreement815 ILL. COMP. STAT. ANN. 180/10(3) (West 2013)NoNoClosingIL Statement of Borrowers Benefits1875A refinancing loanA borrower’s principal residence, consisting of either 1-to-4 family units or a dwelling consisting of condo or coop unitsNot specified815 ILL. COMP. STAT. ANN. 120/2(e) & 120/3(e) (West 2013)NoNoClosingIL Mortgage Escrow Account Act Applicability14127A residential mortgage loan, which is for the purchase of the property, but which is not for either FHA-insured or VA-guaranteed, or in which an escrow account or other specific arrangement for payment of taxes is madeA dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling, which is also owner-occupied, single-family real estateAt closingILL. ADMIN. CODE tit. 38, § 1050.1360(a)(2) (2013)YesNoClosingIL Mortgage Escrow Account Act16095A purchase loanA residenceAt closing765 ILL. COMP. STAT. ANN. 910/11 (West 2013) NoNoClick here for Table of ContentsClick here for Table of ContentsIndiana(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial Disclosure and TILA RedisclosureConsumer Loan Information in the Truth-in-Lending DisclosureIn Cx18, 1591, and other TILA DisclosuresA consumer loanAn interest in land used (or expected to be used) as the debtor’s principal dwellingVarious TimesIND. CODE ANN. § 24-4.5-3-301(2) (West 2012)NoNoInitial DisclosureAnti-Coercion Insurance Disclosure2778Not specified.A mortgage.Not specified.Real property.Not specifiedIND. CODE ANN. §§ 24-4.5-4-109 and 27-4-1-4(a)(9) & (12) & (12) (West 2012)NoNoInitial DisclosureIN Mortgage Broker Agreement3828Either: (1) a residential mortgage loan; or (2) a loan.A dwelling (as defined in Section 103[w] of the federal Truth in Lending Act) or residential real estate on which shall be a dwelling.Not specifiedIND. CODE ANN. §§ 23-2-5-9 & 23-2-5-23 (West 2012); 710 IND. ADMIN. CODE 1-22-5 (West 2013)YesYesInitial DisclosureNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn 4193A mortgage transactionA dwelling or residential real estate upon which a dwelling is constructed or intended to be constructed.At applicationIND. CODE ANN. § 24-4.4-2-405(2) (West 2012);750 IND. ADMIN. CODE 9-4-1(b) (West 2013)NoNoInitial DisclosureIN Notice to Borrower14601A mortgage loan, including most of the usual loans regulated by Indiana law (see Ind. Code Ann. §24-5-23.5-4 for details).A real estate transactionNot later than 3 business days after receiving a completed written applicationIND. CODE ANN. § 24-5-23.5-8 (West 2012)NoNoInitial DisclosureCost of Insurance Disclosure16488A consumer loanNot specifiedBefore charging for optional insurance premiumsIND. CODE ANN. § 24-4.5-3-202(2) (West 2012)NoNoClosingIN MortgageOn 324 (FNMA), 377 (FHA), 482, & 1381Either: (1) a high cost home loan; or (2) not specifiedEither: (1) real estate, on which is (or will be) located a structure designed principally for occupancy from 1-to-4 families and that is (or will be) occupied by the borrower’s principal dwelling; or (2) not specifiedNot specified, but practically at closingIND. CODE ANN. §§ 24-9-4-1(1)(6) & 36-2-7.5-5 (West 2012)NoNoClosingIN Notice to Borrower13003A high cost home loanReal estate, on which there is (or will be) located a structure designed principally for occupancy from 1-to-4 families and that is (or will be) occupied by the borrower’s principal dwelling.Not later than 3 business days prior to consummation.IND. CODE ANN. § 24-9-4-11 (West 2012)NoNoClosingIN Property Tax Benefits (THIS FORM MUST BE PRINTED ON YELLOW OR GOLD PAPER)14885Either: (1) a first lien purchase money mortgage or refinancing transaction; or (2) a consumer loan, which generally excludes first lien mortgage transactionsEither: (1) single family residential property; or (2) an interest in land used or expected to be used as the principal dwelling of the debtor, consisting of 1-to-4 unitsBefore closing a transactionIND. CODE ANN. §§ 6-1.1-12-43 & 24-4.5-3-701 (West 2012)YesNoClick here for Table of ContentsClick here for Table of ContentsIowa(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureIA Payment Reduction Fee Disclosure1906A loan with a payment reduction feeReal property that is owner-occupied and which is a 1-to-2 family dwellingPrior to applicationIOWA CODE ANN. § 535.8(3) (West 2013)NoNoInitial DisclosureAnti-Coercion Insurance Disclosure2778Not specified.A real estate mortgage loanNot specified.Residential property consisting of 4 or fewer family dwelling unitsNot specifiedIOWA CODE ANN. §§ 507B.5(1)(a) & 535A.9(1)(a) (West 2013) NoNoInitial DisclosureNMLS Number Disclosed on 1003 Uniform Residential Loan ApplicationOn 4193A residential mortgage loanA dwelling (as defined in section 103[v] of the Federal Truth in Lending Act) or residential real estate (which will contain a dwelling).At applicationIOWA CODE ANN. § 535D.19 (West 2013)NoNoInitial DisclosureIA Broker Agreement5110A loanNot specifiedNot specifiedIOWA CODE ANN. §§ 535C.2(5) & 535C.7 (West 2013)YesYesInitial DisclosureCost of Insurance Disclosure16488 (upon request)A consumer credit transaction (consumer loan) of $25,000 or less, excluding a first lien used to purchase the property, refinance a purchase loan, or construct a dwelling on the propertyNot specifiedNot specified, but practically before charging for consumer credit insurance IOWA CODE ANN. § 537.2501(2) (West 2013)Yes when it involves life, accident, health or unemployment insurance not required by the creditorNoInitial Disclosure and ClosingTILA Disclosures18, 1531, and other TILA DisclosuresA consumer credit transaction (consumer loan) of $25,000 or less.Not specifiedWhen applicableIOWA CODE ANN. § 537.3201 (West 2013)NoNoInitial Disclosure and ClosingIA Acknowledgement of Receipt of Copies15276DebtNot specifiedAt the time a document relating to a debt is signedIOWA CODE ANN. § 535.16 (West 2013)YesNoClosingAssignment, Sale, or Transfer of Servicing21 (Federal)A consumer credit transaction (consumer loan) of $25,000 or less.Not specifiedNot specifiedIOWA CODE ANN. § 537.3204 (West 2013)NoNoClosingNotice to Consumer on IA Mortgage Second and Fixed Rate Note Iowa SecondOn 479 & 1044A consumer credit transaction (consumer loan) of $25,000 or less.Not specifiedAt closingIOWA CODE ANN. § 537.3203 (West 2013)NoNoClosingHomestead Waiver on IA Mortgage, IA Mortgage FHA, IA Mortgage Second, and HELOC Mortgage Less than 25000 – IAOn 321, 374, 479, & 1377Not specifiedA homesteadOn a written contractIOWA CODE ANN. § 561.22(1)(a) (West 2013)YesNoClosingIA Oral Agreement Disclosure1021A credit agreement (applies only to a loan of less than $20,000)Not specifiedAt or after the time the credit agreement is made.IOWA CODE ANN. § 535.17(2) & (3) (West 2013)YesYesClosingIA Notice to Cosigners1022A consumer credit transaction (consumer loan) of $25,000 or less.Not specifiedBefore or contemporaneously with signing any agreement of obligation.IOWA CODE ANN. § 537.3208 (West 2013)YesNoClosingConsumer Credit Transaction Notice on Fixed Rate Note Iowa SecondOn 1044A consumer credit transaction (consumer loan) of $25,000 or less.Not specifiedAt closingIOWA CODE ANN. § 537.3211 (West 2013)NoNoClosingHUD-1 01-01-1014222 (Federal)A purchase money loan or a refinancing thereofA 1-to-2 family, owner-occupied dwellingNot specifiedIOWA CODE ANN. § 535.8(2)(b) (West 2013)NoNoClick here for Table of ContentsClick here for Table of ContentsKansas(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureKS High LTV Consumer Notice1595A consumer loan, which is either: (1) a primary lien if the LTV exceeds 100% or the APR exceeds the code mortgage rate; or (2) a junior lienA consumer’s principal residenceNot less than 3 days before the loan is made.KAN. STAT. ANN. § 16a-3-207(3)(b) & (4) (West 2012)Yes, based on form promulgated (see page 12)NoInitial DisclosureKS Borrower Acknowledgment3585A mortgage loanEither: (1) a lot intended for residential purposes; or (2) a 1-to-4 family dwelling (as definedBefore entering into any contract for services, or receiving compensation or promises of compensation.KAN. STAT. ANN. § 9-2208(b) (West 2012); KAN. ADMIN. REGS. 17-24-1 (2013)YesNoInitial DisclosureLoan Broker Agreement3841 (upon request)A loanNot specifiedNot specifiedKAN. STAT. ANN. §§ 50-1007 & 50-1015(a)(1) (West 2012)YesYesInitial DisclosureKS, LA Anti Coercion Insurance Disclosure4172A consumer loan, which is either: (1) a primary lien if the LTV exceeds 100% or the APR exceeds the code mortgage rate; or (2) a junior lienLandAt closingKAN. STAT. ANN. § 16a-4-109 (West 2012)NoNoInitial DisclosureKS Loan Broker Disclosure4248A loanNot specifiedAt least 7 days before either a contract for services is signed or consideration is received, whichever occurs first.KAN. STAT. ANN. § 50-1006(a) & (b) (West 2012)NoNoInitial DisclosureDual Capacity Disclosure12999 (upon request)A purchase mortgage loanA lot intended for residential purposes or a 1-to-4 family dwelling (as defined in section 103[v] of TILA), which is owner-occupied.Before receiving compensation for mortgage business services.KAN. STAT. ANN. §§ 9-2212(g) & 16a-2-310(e) (West 2012)NoNoInitial DisclosureCost of Insurance Disclosure16488 (upon request)A consumer loan, which is either: (1) a primary lien if the LTV exceeds 100% or the APR exceeds the code mortgage rate; or (2) a junior lienLandNot specified, but practically before charges for the disclosed insurance are incurred.KAN. STAT. ANN. § 16a-2-501(2) (West 2012)Yes when it involves life, accident, health or unemployment insurance not required by the creditorNoInitial DisclosureKS Estimated Disclosure Document16584 (upon request)A loan which is also covered by the Truth-in-Lending Act (15 USCA §§ 1601 through 1667e)Not specifiedBefore the borrower becomes contractually obligated on the loanKAN. STAT. ANN. § 50-1006(d) (West 2012)NoNoInitial Disclosure and ClosingVarious TILA Disclosures18, 1591, and other TILA Disclosures (Federal)A consumer loan, which is either: (1) a primary lien if the LTV exceeds 100% or the APR exceeds the code mortgage rate; or (2) a junior lienLandAt various timesKAN. ADMIN. REGS. § 75-6-26 (2013)NoNoClosingVarious Kansas Notes and Mortgages5, 36, 325, 378, 483, and 1048A consumer loan, which is either: (1) a primary lien if the LTV exceeds 100% or the APR exceeds the code mortgage rate; or (2) a junior lienLandNot specifiedKAN. STAT. ANN. § 16a-3-202 (West 2012)NoNoClosingKS UCCC Addendum4448; TBDA consumer loan, which is either: (1) a primary lien if the LTV exceeds 100% or the APR exceeds the code mortgage rate; or (2) a junior lienNot specifiedNot specifiedKAN. STAT. ANN. § 16-207(b) (West 2012); KAN. ADMIN. REGS. § 75-6-1 (2013)YesYesClick here for Table of ContentsClick here for Table of ContentsKentucky(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureAnti-Coercion Insurance Disclosure2778Either: (1) A loan or extension of credit; or (2) A debt or loanPropertyWhen application approval is pending and insurance is offered or required.KY. REV. STAT. ANN. §§ 304.9-135(2)(b) & (c), & 304.12-150 (West 2012); 806 KY. ADMIN. REGS. 9:190(3) (2013)NoNoInitial DisclosureKY Mortgage Loan Broker Agent Disclosure3825A residential mortgage loanResidential real property which does or shall contain a dwelling (as defined in 15 USCA § 1602[v])Not specifiedKY. REV. STAT. ANN. § 286.8-270(1)(b) (West 2012)NoNoInitial DisclosureKY Commitment Disclosure3826A loan commitment or funding, or a mortgage loanResidential real property which does or shall contain a dwelling (as defined in 15 USCA § 1602[v])Not specifiedKY. REV. STAT. ANN. §§ 286.8-120(7) & 286.8-270(2) (West 2012)YesYesInitial DisclosureNMLS Unique Identifier Disclosure on 1003 Uniform Residential Loan ApplicationOn 4193A mortgage loanResidential real property which does or shall contain a dwelling (as defined in 15 USCA § 1602[v])On the applicationKY. REV. STAT. ANN. § 286.8-030(5) (West 2012)NoYes (of the originator)Initial DisclosureKY Notice to Borrower – High Cost Loans4264A high-cost home loanOwner-occupied residential real propertyAt least 3 business days before consummation.KY. REV. STAT. ANN. § 360.100(2)(h) (West 2012)NoNoInitial DisclosureKY Fair Housing Disclosure11145A financing of real propertyReal propertyAt the time of sale, purchase, or financing of real property104 KY. ADMIN. REGS. 1:010(4) (2013)NoNoInitial DisclosureAffiliated Business Disclosure11413 (Federal)A mortgage loanResidential real property which does or shall contain a dwelling (as defined in 15 USCA § 1602[v])At the time when the Good Faith Estimate is provided808 KY. ADMIN. REGS. 12:050(3) (2013)YesNoClosingKY Homeownership Protection Center Notification to Homeowners13677Not specifiedNot specifiedAt closingKY. REV. STAT. ANN. §§ 198A.400 & 286.2-020(2) (West 2012)NoNoClosingHUD 01-01-10 and Itemization of Amount Financed 01-01-1014222 & 14644 (Both Federal)A mortgage loanResidential real property which does or shall contain a dwelling (as defined in 15 USCA § 1602[v])Not specified, but practically at closing808 KY. ADMIN. REGS. 12:050(1) (2013)NoNoClick here for Table of ContentsClick here for Table of ContentsLouisiana(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureLA Loan Brokerage Agreement and Disclosure Statement3318A consumer loan or a federally related mortgage loan (if contracted for) that is a first lienResidential immovable property consisting of 1-to-4 family unitsAt applicationLA. REV. STAT. ANN. §§ 9:3572.10 & 9:3572.11 (2012)YesYesInitial DisclosureKS, LA Anti Coercion Insurance Disclosure4172Either: (1) a consumer credit transaction (consumer loan); or (2) a mortgageNot specified.Immovable propertyNot specifiedLA. REV. STAT. ANN. §§ 9:3544 & 22:1964(9) (2012)NoNoInitial DisclosureLA Mortgage Loan Origination Agreement4828A residential mortgage loanA dwelling (as defined in 15 USCA § 1602[v]) or residential immovable property which shall contain a dwellingNo later than 3 days after the initial loan application date.LA. REV. STAT. ANN. § 6:1098 (2012)YesYesInitial DisclosureLA Application Fee Disclosure11909A residential mortgage loanA dwelling (as defined in 15 USCA § 1602[v]) or residential immovable property which shall contain a dwellingPrior to collecting an application fee.LA. REV. STAT. ANN. § 6:1096(J)(1) (2012)NoNoClosing3200 Note Fixed, LA Mortgage Second, Fixed Rate Note Louisiana Second, HUD-1 01-01-10, and any other applicable Louisiana promissory notes5, 485, 1050, 14222 (Federal), and other Louisiana promissory notesA federally related mortgage loan (which is a first mortgage), a residential mortgage loan other than a federally related mortgage loan, and a consumer loanResidential immovable property (upon which there is, or will be, constructed a dwelling), including an immobilized 1-to-4 family mobile homeNot specified, but practically at closingLA. REV. STAT. ANN. §§ 6:1096 & 6:1097 (2012)NoNoClosingLA Title Insurance Rider16234A mortgage in connection with the sale, conveyance, transfer or other act transferring an interest in the property1-to-4 family residential property As a part of the mortgageLA. REV. STAT. ANN. § 22:513.1 (2012)NoNoClick here for Table of ContentsClick here for Table of ContentsMaine(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureME Notification to Buyer of Withholding Tax Requirement1570A purchase mortgage, lien, or encumbranceReal propertyNot specifiedME. REV. STAT. tit. 36, § 5250-A(9) (2012)NoNoInitial DisclosureTILA Disclosures1591 and other TILA DisclosuresEither: (1) a consumer credit transaction (consumer loan); or (2) consumer creditManufactured housing or an interest in land.Not specifiedAt various timesME. REV. STAT. tit. 9-A, §§ 8-504 & 10-307-A (2012)NoNoInitial DisclosureAnti-Coercion Insurance Disclosure2778A loanNot specifiedAt the time of application or at the outset of negotiations.ME. REV. STAT. tit. 24-A, § 2169 (2012)NoNoInitial DisclosureME Right to Own Attorney Disclosure3279Either: (1) a residential mortgage loan; or (2) a consumer credit transaction (consumer loan)1-to-4 residential unitsNot specifiedME. REV. STAT. tit. 9-A, §§ 3-311 & 9-303 and tit. 9-B, § 241(4) (2012)NoNoInitial DisclosureME Balloon Addendum to Loan Application3394A consumer credit transaction (consumer loan) with a term of 4 years or lessManufactured housing or an interest in landAt closingME. REV. STAT. tit. 9-A, § 3-308 (2012)NoNoAdverse Action and Initial DisclosureAppraisal Disclosure3397A consumer credit transaction (consumer loan) Either: (1) manufactured housing or an interest in land; or (2) real estateNot specified, but practically within 90 days of taking action on the application (or the application is withdrawn), or at the date of closing, whichever is later.Me. Rev. Stat. Ann. tit. 9-A, §§ 3-313 & 9-309; tit. 9-B, § 447 (2011)NoNoInitial DisclosureME Disclosure to Consumer3764Either: (1) an extension of credit; or (2) consumer creditNot specifiedBefore any agreement is entered into or any money paid.ME. REV. STAT. tit. 9-A, § 10-303 (2012); ME. CODE R. 02-030, ch. 350, § 4(c) & (e) (2013) YesYesInitial DisclosureNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn 4193 (FNMA)A residential mortgage loan A dwelling or residential real estate upon which there will be a dwellingAt applicationME. REV. STAT. tit. 9-A, § 13-118 (2012)NoNoInitial DisclosureME Broker Agreement and Good Faith Estimate 01-01-104517 & 14221 (latter Federal)Consumer creditNot specifiedNot specifiedME. REV. STAT. tit. 9-A, § 10-302 (2012); ME. CODE R. 02-030, ch. 350, § 4(B) & (E) (2013)YesNoInitial DisclosureME HCL or HPML Reasonable, Tangible Net Benefit Disclosure Form13190 or 16407A high-cost mortgage loan or a higher-priced mortgage loanResidential real property that is the borrower’s principal dwelling and consists of 1-to-4 family unitsBefore engaging in the act of “flipping”ME. CODE R. 02-030, ch. 550, §§ 5(3), (4) & (6) and 6 Att. A (2013)YesYesInitial DisclosurePrivacy Policy Notice15182 (Federal)A consumer credit transaction (consumer loan)Manufactured housing or an interest in landNo later than when a customer relationship is establishedME. REV. STAT. tit. 9-A, §§ 3-314 & 9-310 (2012)NoNoInitial DisclosureME Alternative Mortgage Transaction Disclosures15798, 15799, or 15800An alternative mortgage transaction, which is a primary lien, has a term of more than 1 year, and is a purchase loan, refinance thereof, or a construction loanA 1-to-4 family dwellingAt the time an application is provided or before the applicant pays a nonrefundable fee.ME. CODE R. 02-029 ch. 119, §§ 4 & 5; 02-030 ch. 250, §§ 4 & 5 (2013)No NoInitial DisclosureAddendum to Statement of Credit Denial, Termination, or Change15905CreditNot specifiedWithin a reasonable period of time, upon the consumer written request for the reasons for the adverse action received within 60 days after learning of such adverse action.ME. REV. STAT. tit. 10, § 1320(1-B) & (2) (2012)NoNoInitial DisclosureCost of Insurance Disclosure16488 (upon request)A consumer credit transaction (consumer loan), which generally excludes purchase, refinance of a purchase, construction, and first lien loansManufactured housing or an interest in landNot specified, but practically before charging for any of the disclosed insurancesME. REV. STAT. tit. 9-A, § 2-501(2) (2012)NoNoInitial DisclosureME PMI Disclosure16590 (upon request)A mortgage loanResidential real propertyAt the time of applicationME. REV. STAT. tit. 33, § 507 (2012)NoNoInitial Disclosure and ClosingGood Faith Estimate 01-01-10, HUD-1 01-01-10, and other RESPA Disclosures14221, 14222, and other RESPA disclosuresConsumer creditNot specifiedAt various timesME. REV. STAT. tit. 9-A, § 10-307 (2012) NoNoClosingAssignment, Sale, or Transfer of Servicing21 (Federal)A supervised loanReal estate, manufactured housing, or an interest in landNot specifiedME. REV. STAT. tit. 9-A, § 2-310 (2012)NoNoClosingME Notice to Cosigners1020Consumer credit transaction (consumer loan)Manufactured housing or an interest in landBefore or contemporaneously with signing any writing setting forth the debtor’s agreement.ME. REV. STAT. tit. 9-A, § 3-206 (2012)NoNoClosingME Notice of Mortgage and Request for Notice of Default4885A lienReal estateAfter all filings and recordings are madeME. REV. STAT. tit. 33, § 505 (2012)NoNoClosingME Important Notice About Property Taxes13569Not specified, but practically purchase-type transactionsReal estateAt any point in the process of the transfer of property when the allocation of property taxes is discussed and with any notices relating to property tax liens2008 Me. Legis. Serv. Ch. 687, §2 (H.P. 1520) (L.D. 2140)YesNoClosingME Certification of Smoke and Carbon Monoxide Alarms14524A purchase transactionA single-family dwelling or a multi-apartment buildingAt the closing of the transactionME. REV. STAT. tit. 25, §§ 2464(10) & 2468(6) (2012)Yes NoClick here for Table of ContentsClick here for Table of ContentsMaryland(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureMD Financing Agreement2171A purchase money loan, or a refinance, which is also a first mortgage or first deed of trustOwner-occupied 1-to-4 family homeWithin 10 business days after the date the application is completed.MD. CODE ANN., COM. LAW §§ 12-125(b), 12-922(b), & 12-1022(b) (West 2012); MD. CODE REGS. 09.03.06.06 (2013)YesYesInitial DisclosureMD Settlement Services Disclosure2361Either: (1) a loan secured by a first mortgage or first deed of trust; or (2) any loan secured by a mortgage or deed of trustA borrower’s principal residenceAt application or within 3 days after application, or earlier upon request.MD. CODE ANN., COM. LAW §§ 12-119 & 12-120(c) (West 2012)YesNoInitial DisclosureAnti-Coercion Insurance Disclosure2778Either: (1) a loan under Subtitle 1, Title 12 of Maryland’s Commercial Law (Md. Code Ann., Com. Law §§ 12-101 et seq.); or (2) a loanNot specifiedNot specifiedMD. CODE ANN., COM. LAW §§ 12-124 (West 2012); MD. CODE ANN., INS. § 27-214 (West 2012)NoNoInitial DisclosureMD Notice of Waiver3278A purchase money loan, or a refinance, which is also a first mortgage or first deed of trustOwner-occupied, 1-to-4 family homeAt least 72 hours before the time of settlementMD. CODE ANN., COM. LAW §§ 12-125(c)(2), 12-922(c)(2), & 12-1022(c)(2) (West 2012); MD. CODE REGS. 09.03.06.14 (2013)YesNoInitial DisclosureMD Application Disclosure3579A mortgage loanA dwelling, residential real estate on which a dwelling is or is intended to be constructed, and must be owner-occupiedAt the time the borrower elects the type of loan applied forMD. CODE REGS. 09.03.06.09(C) (2013)NoNoInitial DisclosureMD Covered Loan Application Disclosure3824 and 15232Either: (1) a covered loan, including a secondary mortgage loan; (2)a mortgage loan; or (3) a reverse mortgageEither: (1) a 1-to-4 family dwelling; (2) a dwelling or residential real estate on which a dwelling is or is intended to be constructed (which is owner occupied); or (3) the borrower’s principal dwelling At the time the borrower completes the application.MD. CODE ANN., COM. LAW §§ 12-409.1(d)(2) & 12-1203 (West 2012); MD. CODE REGS. 05.19.01.03 & 09.03.06.18(C)(1)(b) (2013)NoNoInitial DisclosureMD Loan Commitment4174A purchase money loan, or a refinance, which is also a first mortgage or first deed of trustOwner-occupied 1-to-4 family homeAt least 72 hours before the time of settlementMD. CODE ANN., COM. LAW §§ 12-125(c)(1), 12-922(c), & 12-1022(c) (West 2012); MD. CODE REGS. 09.03.06.06(C)(2) (2013)YesNoInitial DisclosureMD Right to Rescind After Written Application4177A mortgage loanA single family or 1-to-4 family unit residential real propertyAfter receiving the applicationMD. CODE ANN., REAL PROP. § 10-702(h)(2)(ii) (West 2012)NoNoInitial DisclosureMD Right to Rescind Before Written Application4178A mortgage loanA single family or 1-to-4 family unit residential real propertyAt or before the time application is made.MD. CODE ANN., REAL PROP. § 10-702(h)(2)(i) (West 2012)NoNoInitial DisclosureMD Broker Contract4565Mortgage loansAn owner-occupied dwelling or residential real estate upon which a dwelling will be placed.Before undertaking to assist the borrower in obtaining a loan.MD. CODE ANN., COM. LAW §§ 12-805(c) & (d) & 12-806 (West 2012); MD. CODE REGS. 09.03.06.07 & 09.03.06.11 (2013)YesYesInitial DisclosureMaryland DLLR Disclosure13900, 13901, 13902, or 13903 (upon request)A mortgage loan which either: (1) includes a balloon payment; (2) does not provide for the establishment of an escrow account; or (3) includes a mandatory binding arbitration clauseAn owner-occupied dwelling or residential real estate on which a dwelling is (or is intended to be) constructedWithin 10 business days after application is completed and not less than 72 hours before the time of settlementMD. CODE REGS. 09.03.10.03 (2013)NoNoInitial DisclosureMD Net Tangible Benefit Worksheet13909A mortgage loan, which is a refinance.Owner-occupied residential real estate which contains a dwelling.Not specifiedMD. CODE REGS. 09.03.06.20 & 09.03.09.04 (2013)Yes, if using net tangible benefit worksheetNoAdverse ActionNotice of Action Taken15858 (Federal)CreditNot specifiedWithin 30 days after receipt of a completed application for creditMD. CODE ANN., COM. LAW §§ 14-1702, 14-1703, 14-1704, & 14-1705 (West 2012)NoNoInitial Disclosure and ClosingCopy of Appraisal Report6 (Federal)Not specified.A loan transactionEither: (1) residential real property; or (2) residential real estate upon which an owner-occupied dwelling is or will be locatedNot specifiedMD. CODE ANN., REAL PROP. § 14-104.1 (West 2012); MD. CODE REGS. 09.03.06.10(C) (2013)NoNoInitial Disclosure and ClosingTruth-in-Lending Disclosure or Initial Truth-in-Lending Disclosure18 (Federal) or 1591 (Federal)Either:(1) a loan under Subtitle 1, Title 12 of Maryland’s Commercial Law (Md. Code Ann., Com. Law §§ 12-101 et seq.);(2) a loan under the Maryland Consumer Loan Law – Credit Provisions (Md. Code Ann., Com. Law §§ 12-301 et seq.);(3) a mortgage loan;(4) a revolving credit plan; or(5) a loan (closed-end credit)A dwelling or residential real estate on which a dwelling will be located, which is owner-occupiedBefore execution of a loan contractMD. CODE ANN., COM. LAW §§ 12-106(b), 12-308(a)(1)(ii), 12-805(c), 12-914(b), & 12-1014(b) (West 2012)NoNoInitial Disclosure and ClosingClosing Attorneys Fee Certification3513 (upon request)Any loan secured by a mortgage or deed of trustA borrower’s primary residenceAt or prior to settlementMD. CODE ANN., COM. LAW § 12-120(b) (West 2012)NoNoInitial Disclosure and ClosingGood Faith Estimate 01-01-10 and HUD-1 01-01-1014221 (Federal) & 14222 (Federal)A mortgage loanA dwelling or residential real estate on which a owner-occupied dwelling is (or is intended to be) constructedVariousMD. CODE REGS. § 09.03.06.07(C) (2013)NoNoInitial and ClosingMD Tax Property Affidavit15803A mortgage or deed of trust, which is a refinance loanReal property which is the principal residence of the original mortgagorAt closing or recordingMD. CODE ANN., TAX-PROP. § 12-108(g)(3)-(4) (West 2012)YesNoClosingAffidavits of Consideration and Disbursement on MD Deed of Trust, MD Deed of Trust FHA, and MD Deed of Trust SecondOn 329, 382, and 487A mortgage or deed of trust, including a purchase-money mortgage, but excluding a security instrument wherein it is lawful to charge any rate of interest under Md. Code Ann., Com. Law § 12-103(e) (West 2012)LandOn the security instrumentMD. CODE ANN., REAL PROP. § 4-106(a) & (b)(1) (West 2012)NoYesClosingProvision of Attorney and Court Fees in MD Deed of Trust, MD Deed of Trust Second, MD Deed of Trust FHA, and HELOC Agreement – MDOn 329, 382, 487 and 3035Either: (1) a revolving credit plan; or (2) a loan (closed-end credit)Not specifiedAt closingMD. CODE ANN., COM. LAW §§ 12-911 & 12-1011 (West 2012)NoNoClosingMD First Time Home Buyer Affidavit3539Not specified, but practically a loan in which the property is conveyedOwner-occupied, residential real propertyAt recordingMD. CODE ANN., TAX-PROP. §§ 12-103(b)(1), 13-203(b)(4), & 13-409 (West 2012)YesNoClosingMD Licensee Information or Affidavit13984A mortgage loanResidential property, improved by 1-to-4 single family dwelling unitsWhen the security instrument is recordedMD. CODE ANN., REAL PROP. § 3-104.1 (West 2012); MD. CODE REGS. 09.03.06.07(D) & 09.03.11.02(B) (2013)NoYesClosingMD Written Acknowledgement of Delivery of the Note16099Either: (1) a plan (aka a revolving credit plan); or (2) a loan (closed end credit)Not specifiedNo later than the time of consummationMD. CODE ANN., COM. LAW. §§ 12-913.2(c) & 12-1013.2(c) (West 2012)YesNoClosingMD Delivery of Net Proceeds Authorization16100 (upon request)A purchase-money mortgage or deed of trust, except one wherein it is lawful to charge any rate of interest under Md. Code Ann., Com. Law § 12-103(e) (West 2012)LandBefore delivering not proceeds, deducting charges, interest, expenses, or advancing escrow and charges due from the borrowerMD. CODE ANN., REAL PROP. § 4-106(b)(2) (West 2012)YesYesClosingMD Property Tax Installment Direction17045 (upon request)Not specified, but practically a purchase loanOwner-occupied residential property, or business property in connection to which total taxes do not exceed $100,000Not specifiedMD. CODE ANN., TAX-PROP. § 10-204.3(j) (West 2012)NoNoClick here for Table of ContentsClick here for Table of ContentsMassachusetts(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureMA Certification and Indemnification Agreement1024Not specified, but practically a purchase1-to-5 family dwellings occupied for residential purposesNot specifiedMASS. GEN. LAWS ANN. ch. 148, §§ 26E & 26F (West 2013); 946 MASS. CODE REGS. 7.14 (2013) NoNoInitial DisclosureInitial Truth-in-Lending Disclosure and Good Faith Estimate 01-01-101591 and 14221 (both Federal)A mortgage loanResidential property, consisting of a dwelling house with accommodations for four or fewer separate households that is obligor occupied.Not specified940 MASS. CODE REGS. 8.05 (2013)NoNoInitial DisclosureSection 32 Mortgage Loan Disclosure2790 (Federal)A high cost home loanA consumer’s principal dwellingNot specified209 MASS. CODE REGS. 40.04(1)-(5) (2013)NoNoInitial DisclosureMA Addendum to Uniform Residential Loan Application3573Either: (1) a mortgage loan; or (2) a residential mortgage loanEither: (1) obligor-occupied, 1-to-4 family residential property; or (2) residential property, consisting a 1-to-4 unit dwelling house, occupied by the obligorAt applicationMASS. GEN. LAWS ANN. ch. 184, § 17B (West 2013); 209 MASS. CODE REGS. 42.15 (2013)NoNoInitial DisclosureMA High Cost Loan Application Disclosure and HCL Notice on 1003 Uniform Residential Loan Application3742 and on 4193 (latter FNMA)A high cost home loanA consumer’s principal dwelling, including a 1-to-4 unit dwelling, regardless of whether it is attached to real property.On the application (4193) or within 24 hours after determining that the loan is a high cost home loan (3742).209 MASS. CODE REGS. 32.32(3)(f)(1) & 40.04(6)(a) (2013)NoNoInitial DisclosureMA High Cost Loan Insurance Disclosure3745A high cost home loanA consumer’s principal dwelling, consisting of 1-to-4 units, regardless of whether it is attached to real propertyAt least 3 business days before the loan is closed209 MASS. CODE REGS. 32.34(2)(b) (2013)YesYesInitial DisclosureMA High Cost Loan Payment Disclosure3746A high cost home loanA consumer’s principal dwelling, including a 1-to-4 unit dwelling, regardless of whether it is attached to real property.At or before application or within 24 hours after determining that the loan is a high cost home loan.209 MASS. CODE REGS. 32.32(3)(f)(2) & 40.04(6)(b) (2013)NoNoInitial DisclosureAnti Coercion Insurance3750Either: (1) a loan of money; (2) a loan of money or extension of credit; (3) a mortgage loan; or (4) an extension of creditEither: (1) real property; (2) property; (3) property which is the subject of the mortgage; or (4) not specifiedAt the time the customer applies for an extension of creditMASS. GEN. LAWS ANN. ch. 175, § 193E; ch. 176D, § 4; & ch. 183, § 66 (West 2013); 209 MASS. CODE REGS. 49.06(5) (2013) NoNoInitial DisclosureMA Mortgage Review Board Notice3852A residential mortgage loanResidential property of 1-to-4 units and occupied by the mortgagor (in whole or in part)At the time of denial MASS. GEN. LAWS ANN. ch. 167, § 14A (West 2013)NoNoInitial DisclosureNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn 4193A residential mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingOn the applicationMASS. GEN. LAWS ANN. ch. 255F, § 18 (West 2013); 209 MASS. CODE REGS. 41.12(2) (2013)NoNoInitial DisclosureMA Loan Origination and Compensation Agreement5112A mortgage loanResidential property having thereon a dwelling house with accommodations for 1-to-4 households and occupied (or to be occupied) by the obligor (in whole or in part)At the time of application209 MASS. CODE REGS. 42.12A(5) & 42.16 (2013)YesYesInitial DisclosureMA Borrower’s Interest Worksheet5771A home loan which refinances another home loan within 60 months prior to applicationReal estate improved with a 1-to-4 family dwelling, occupied by the borrowerNo later than closingMASS. GEN. LAWS ANN. ch. 183, § 28C (West 2013); 209 MASS. CODE REGS. 53.03, 53.04, & 53.07 (2013)NoNoInitial DisclosureMA No Doc/Limited Doc Disclosure13093A “no documentation” mortgage loan, but excluding certain reverse mortgages and open-end home equity lines of creditResidential property, consisting of a dwelling house with accommodations for 1-to-4 separate households that is (or is intended to be) occupied by the obligor (either in whole or in part)In advance of the closing940 MASS. CODE REGS. 8.06(16) (2013) YesNoInitial DisclosureMA Counseling Disclosure13391An adjustable-rate subprime loanOwner-occupied, 1-to-4 family residential propertyAt or before closingMASS. GEN. LAWS ANN. ch. 184, § 17B? (West 2013); Division of Banks Regulatory Bulletion 1.3-104 (2012)YesNoInitial DisclosureMA Mortgage Loan Rate Lock Commitment13544 or 14521 (upon request)A mortgage loanResidential property having thereon a dwelling house with accommodations for 1-to-4 households and occupied (or to be occupied) by the obligor (in whole or in part)Prior to taking a rate lock commitment fee, or otherwise offering or entering into a lock commitment209 MASS. CODE REGS. 42.11A(4) (2013)NoNoInitial DisclosureMA High Cost Home Loan Disclosure14937A high cost home loanA consumer’s principal dwelling, consisting of 1-to-4 units, regardless of whether it is attached to real propertyNot specified209 MASS. CODE REGS. 32.32(3)(a) through (e) (2013)NoNoInitial DisclosureMA Addendum to Statement of Credit Denial, Termination, or ChangeOn 15858 (Federal)Either: (1) credit; or (2) a residential mortgage loanResidential real property of 1- to-4 separate households occupied (or to be occupied) by the applicant (in whole or in part)Within 10 business days of deciding to take adverse actionMASS. GEN. LAWS ANN. ch. 93, § 62; ch. 183, § 64 (West 2013)NoNoInitial Disclosure or ClosingState Truth-in-Lending Act Disclosures Complied with by Federal Truth-in-Lending Act Disclosures18, 1591, 8204, 15444, and other TILA DisclosuresVarious, but primarily a consumer credit transactionVarious, but primarily a dwelling, which is a residential structure or mobile home containing 1-to-4 family housing units, or individual units of condos or co-opsVariousMASS. GEN. LAWS ANN. ch. 140D, §§ 1 through 35 (West 2013); 209 MASS. CODE REGS. 32.01 through 32.58 (2013)NoNoInitial Disclosure or ClosingMA Insurance Disclosure16146 (upon request)An extension of creditNot specifiedNot specified, but practically before an applicant becomes an insurance customerMASS. GEN. LAWS ANN. ch. 167F, § 2A(b)(6) (West 2013); 209 MASS. CODE REGS. 49.06(7) (2013)YesNoClosingMortgage originator information on the MA Mortgage and the MA Assignment of MortgageOn 328, 381, 486 & 1531A mortgage loanEither: (1) real property having thereon a dwelling with accommodations for 1-to-4 households and occupied (or to be occupied) by the obligor (in whole or in part); or (2) a 1-to-4 family dwelling, including condos, co-ops, and manufactured homes, that is the principal residence of the ownerOn the mortgageMASS. GEN. LAWS ANN. ch. 183, §§ 6D & 21 and ch. 188, § 7 (West 2013) NoNoClosingMA Lead Paint Indemnification Agreement1283; 15777 (upon request)Not specified, but practically a purchasePremises, meaning dwellings built before 1978Prior to seller signing a purchase and sale agreement.MASS. GEN. LAWS ANN. ch. 111, § 197A (West 2013); 105 MASS. CODE REGS. 460.720 (2013) YesNoClosingHUD-1 01-01-1014222 (Federal)A mortgage transactionResidential property consisting of 1-to-4 units and occupied by the mortgagor (in whole or in part)Before charging a loan fee, finder’s fee, or pointsMASS. GEN. LAWS ANN. ch. 183, § 63 (West 2013)NoNoClosingMA Certification of Carbon Monoxide Detector15578 (upon request)Not specified, but practically a purchase loanA dwelling, building, or structure used in whole or in part for residential purposesUpon sale or transfer of the propertyMASS. GEN. LAWS ANN. ch. 148, § 26F? (West 2013); 527 MASS. CODE REGS. 31.06 (2013)NoNoClosingMA Condominium Notice16175A mortgageA condominium unitAfter recordingMASS. GEN. LAWS ANN. ch. 183A, § 4(5) (West 2013)NoNoClick here for Table of ContentsClick here for Table of ContentsMichigan(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureAnti-Coercion Insurance3750Either: (1) a mortgage loan; (2) a secondary mortgage loan; or (3) a loanEither: (1) Real property designed for occupancy by 1-to-4 families, including single unit condos or coops, and residential dwellings; or (2) real property that is used as a dwellingWhen the applicant inquires about required insurance or when the lender advises that such insurance is available through the lender.MICH. COMP. LAWS ANN. §§ 445.1602A, 493.72(4) & 500.1243(9), (16) & (17) (West 2012)YesNoInitial DisclosureNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn 4193 (FNMA)A residential mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estate on which a person has (or intends to) construct a dwellingOn the applicationMICH. COMP. LAWS ANN. § 493.171 (West 2012)NoNoInitial DisclosureMI Borrowers Bill of Rights and Consumer Caution Notice4970A mortgage loan, but excluding purchase and reverse mortgages and open-end credit plansReal property used as the borrower’s principal dwelling and is designed for occupancy by 1-to-4 familiesAt the time a person applies for a mortgage loanMICH. COMP. LAWS ANN. §§ 445.1636 & 445.1637 (West 2012)NoNoInitial DisclosureMI HUD-Approved Counseling Agencies7276A mortgage loan, but excluding purchase and reverse mortgages and open-end credit plansReal property used as the borrower’s principal dwelling and is designed for occupancy by 1-to-4 familiesAt the time a person applies for a mortgage loanMICH. COMP. LAWS ANN. § 445.1637 (West 2012)NoNoAdverse ActionStatement of Credit Denial, Termination, or Change15858 (Federal)A mortgage loan or a home improvement loan, but excluding construction financingReal property designed for occupancy by 1-to-4 families, including single unit condos or coops, and residential dwellingsAfter a loan is denied or the terms are varied, but not accepted by the applicant.MICH. COMP. LAWS ANN. § 445.1602(6) (West 2012)NoNoClosingMarital States Disclosed on MI MortgageOn 331, 384, and 489A mortgageReal estateAt recordingMICH. COMP. LAWS ANN. § 565.221 (West 2012)NoNoClosingMI Principal Residence Exemption (PRE) Affidavit995Not specifiedA principal residenceNot specifiedMICH. COMP. LAWS ANN. § 211.7cc (West 2012)YesNoClosingMI Request to Rescind/Withdraw Homestead Exemption996Not specified, but practically a purchase or a renewal in which the beneficiaries of the loan changePropertyWithin 45 days of the transfer of ownershipMICH. COMP. LAWS ANN. § 211.27a(10) (West 2012)NoNoClosingMI Request to Rescind Principal Residence Exemption (PRE)997Not specified, but practically a purchase transactionThe seller’s principal residenceNot more than 90 days after exempted property is no longer used as a principal residence by the sellerMICH. COMP. LAWS ANN. § 211.7cc(5) (West 2012)Yes, when being filedNoClosingMI Addendum to Mortgage-Homestead and Dower Waiver7786 (upon request)A mortgage to secure the payment of purchase moneyEither: (1) land; or (2) a homesteadNot specified, but practically at or by closingMICH. COMP. LAWS ANN. § 558.4 & 600.6023 (West 2012)NoNoClosingHUD 01-01-1014222 (Federal)A loanNot specifiedUpon closing of the loanMICH. COMP. LAWS ANN. § 438.31b (West 2012)NoNoClick here for Table of ContentsClick here for Table of ContentsMinnesota(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureMN Prepayment Disclosure at Application1892A residential mortgage loan that contains a prepayment penaltyResidential real property, improved (or intended to be improved) by a structure of 1-to-4 family unitsWithin 5 days after borrower requests the loanMINN. STAT. ANN. § 58.137(2)(b) (West 2013)NoNoInitial DisclosureMN Originator Non-agency Disclosure1901A residential mortgage loanResidential real property, improved (or intended to be improved) by a structure of 1-to-4 family unitsWithin 3 business days of accepting an application.MINN. STAT. ANN. § 58.15 (West 2013)YesNoInitial DisclosureMN Residential Mortgage Originator Contract1907A lien on residential real estateResidential real property, improved (or intended to be improved) by a structure of 1-to-4 family unitsWhen soliciting or receiving an advance fee for assisting in finding a loan, or offers to act as an agent of the borrower.MINN. STAT. ANN. § 58.16 (West 2013)YesYesInitial DisclosureMN Private Mortgage Insurance Disclosure2530A residential mortgage loanResidential real property, include co-operativesAnnually. Must be given with respect to each future residential mortgage loanMINN. STAT. ANN. § 47.207(3)(a) (West 2013)NoNoInitial DisclosureAnti-Coercion Insurance Disclosure3750A loan of money secured by real propertyProperty, including real propertyNot specifiedMINN. STAT. ANN. §§ 65A.09, 65A.10, & 72A.31 (West 2013)NoNoInitial DisclosureNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn 4193 (FNMA)A residential mortgage loanA dwelling (as defined in 15 USCA § 1602[v]) or residential real estate upon which a dwelling is (or is intended to be) constructedOn the applicationMINN. STAT. ANN. § 58A.20 (West 2013)NoNoInitial DisclosureMN Homestead Disclosure4303An open-end loanA homesteadAt the time of the execution of the contract surrendering the homestead exemption.MINN. STAT. ANN. § 56.125(4) (West 2013)YesNoInitial DisclosureTangible Net Benefit Worksheet12531(upon request)A residential mortgage loan which refinances a residential mortgage loanResidential real property, improved (or intended to be improved) by a structure of 1-to-4 family unitsNot specifiedMINN. STAT. ANN. § 58.13(1)(a)(25) (West 2013)NoNoClosingTruth-in-Lending Disclosure18 (Federal)A loanNot specifiedAt the time any loan is madeMINN. STAT. ANN. § 56.14(1) (West 2013)NoNoClosingPurchase Money Caption on MN Mortgage and MN Mortgage FHA332 or 385A purchase-money mortgageEither: (1) a homestead; or (2) real propertyOn the mortgageMINN. STAT. ANN. §§ 507.02 & 507.03 (West 2013)NoNoClosingCopy of Note, Mortgage, and Notice of Sale Clause in all MN Mortgages332 & 490A conventional loan, with an original principal amount of less than $100,000 and excluding FHA, VA, and RD loansReal property containing 1 or more residential unitsOn the mortgageMINN. STAT. ANN. § 47.20(8) (West 2013)NoNoClosingMN Notice of Right to Discontinue Escrow1004A mortgage loan, which includes a conventional loan, but excludes conventional loans with an LTV exceeding 80% and FHA, VA, and RD loansA 1-to-4 family, owner occupied residenceAt or prior to closingMINN. STAT. ANN. § 47.20(9)(b) (West 2013)NoNoClosingMN Abstract of Title Notice1600Not specified, but practically a mortgageReal estateWhen transferring or offering to transfer an abstract of title.MINN. STAT. ANN. § 386.375(3) (West 2013)NoNoClosingMN Prepayment Disclosure at Closing1893A residential mortgage loan that contains a prepayment penaltyResidential real property, improved (or intended to be improved) by a structure of 1-to-4 family unitsWithin 3 days before the borrower signs the noteMINN. STAT. ANN. § 58.137(2)(b) (West 2013)Yes, when required by the lenderNoClosingMN Disclosure of Lenders5083 (upon request)A residential mortgage loanResidential real property, improved (or intended to be improved) by a structure of 1-to-4 family unitsAt the expiration of the originator contractMINN. STAT. ANN. § 58.16(7) (West 2013)NoNoClosingMN Well Disclosure Statement14301 (upon request)Not specified, but practically a purchase loanReal property, excluding individual condominium unitsAt the time of closingMINN. STAT. ANN. § 103I.235 (West 2013) YesNoClosingAddendum to the Mortgage – Request for Notice7787A mortgageReal propertyNot specifiedMINN. STAT. ANN. § 580.032 (West 2013)NoNoClick here for Table of ContentsClick here for Table of ContentsMississippi(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureAnti-Coercion Insurance Disclosure2778A loan of moneyReal propertyNot specifiedMISS. CODE ANN. § 83-5-35(h) (West 2012)NoNoInitial DisclosureMississippi Mortgage Origination Agreement/Fee Disclosure Agreement3315A residential mortgage loanA dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which will be a dwellingNot specified, but practically before performing any origination servicesMISS. CODE ANN. § 81-18-33(a) (West 2012)YesYesInitial DisclosureNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn 4193 (FNMA)A residential mortgage loanA dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which will be a dwellingOn the applicationMISS. CODE ANN. §§ 81-18-31(f) & 81-18-33(b) & (h) (West 2012)NoNoInitial DisclosureGood Faith Estimate 01-01-1014221 (Federal)A residential mortgage loanA dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which will be a dwellingNot specified, but practically no later than 3 business days after receipt of an applicationMISS. CODE ANN. § 81-18-33(d) (West 2012)NoNoInitial DisclosureMS Lock-in Agreement16587A residential mortgage loanA dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which will be a dwellingBefore collecting a lock-in feeMISS. CODE ANN. §§ 81-18-28(2) & 81-18-33(f) (West 2012); 5-2 MISS. CODE R. § 1.11 (2013)YesYesInitial Disclosure and ClosingTILA Disclosures18, 1531, and other TILA Disclosures (Federal)A residential mortgage loanA dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingVarious timesMISS. CODE ANN. § 81-18-33(g) (West 2012)Yes(?)NoClosingHUD-1 01-01-1014222 (Federal)A residential mortgage loanA dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingNot specified, but practically at closingMISS. CODE ANN. § 81-18-33(c) (West 2012)YesNoClick here for Table of ContentsClick here for Table of ContentsMissouri(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureAnti-Coercion Insurance Disclosure2778A credit extension, including a residential mortgage Real property, including residential propertyNot specified, but practically before closingMO. ANN. STAT. § 375.937(3) (West 2012)NoNoInitial DisclosureAdvanced Fee/Application Disclosure2783A loan, presumably a residential real estate loan, which generally excludes refinancesResidential real estate, consisting of 1-to-4 family unitsUpon receipt of a written applicationMO. ANN. STAT. § 408.580(2) (West 2012)NoNoInitial DisclosureMO Loan Brokerage Disclosure Statement and Agreement3328A residential mortgage loanA dwelling or residential real estate upon is (or is intended to be) constructed a dwelling, as defined by TILANot specifiedMO. ANN. STAT. § 443.867 (West 2012)NoNoInitial DisclosureNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn 4193A residential mortgage loanA dwelling or residential real estate upon is (or is intended to be) constructed a dwelling, as defined by TILAOn the applicationMO. ANN. STAT. § 443.745 (West 2012)NoNoInitial DisclosureMO Lock-in Agreement16677A residential mortgage loanA dwelling or residential real estate upon is (or is intended to be) constructed a dwelling, as defined by TILANot specified, but practically before a rate-lock fee is collectedMO. CODE REGS. ANN. tit. 20, § 1140-30.280 (2013)NoNoAdverse ActionStatement of Credit Denial, Termination, or Change15858 (Federal)A loan, presumably a residential real estate loan, which generally excludes refinancesResidential real estate, consisting of 1-to-4 family unitsAfter rejection of a loan applicationMO. ANN. STAT. § 408.580(3) (West 2012)NoNoClosing3200 Note Fixed, MO Deed of Trust, MO Deed of Trust Second, and MO Addendum to the Note-Oral Agreement5, 333, 491, 1056, and 7789 (upon request)A credit agreement, which is a lending or forbearance of the repayment of money, extension of credit, or other financial accommodationNot specifiedNot specified, but practically at closingMO. ANN. STAT. § 432.045 (West 2012)NoNoClosingMO Deed of Trust or MO Deed of Trust Second333 or 491A credit transaction in which collateral insurance is obtainedNot specifiedNot specified, but practically at closingMO. ANN. STAT. § 427.120(2) (West 2012)YesYesClosingAssignment, Sale, or Transfer of Servicing21 (Federal)A residential mortgage (aka a residential mortgage loan)A dwelling or residential real estate upon is (or is intended to be) constructed a dwelling, as defined by TILAWhen the servicing of a residential mortgage is transferred or soldMO. ANN. STAT. § 443.861 (West 2012)NoNoClosingMO Collateral Protection Insurance Disclosure1005A credit transaction in which collateral insurance is obtainedNot specifiedAt the time the credit agreement is enteredMO. ANN. STAT. § 427.120(3) (West 2012)NoNoClosingMarried Wife Notice in Acknowledgment7790 (upon request)An instrumentNot specifiedNot specified, but practically at closingMO. ANN. STAT. § 442.210(4) (West 2012)NoNoClick here for Table of ContentsClick here for Table of ContentsMontana(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureAnti-Coercion Insurance Disclosure2778A first-mortgage credit extensionReal propertyNot specified, but practically before closingMONT. CODE ANN. § 33-18-501(3) (West 2013)NoNoInitial DisclosureMT Mortgage Loan Origination Disclosure2776A mortgage loan (aka a residential mortgage loan)A dwelling or residential real estate upon which is either constructed a dwelling or is intended to be constructed a dwelling within 2 years (subject to 24 CFR § 3500.5[b][4])Within 3 business days of taking an applicationMONT. CODE ANN. § 32-9-124(2) (West 2013); MONT. ADMIN. R. 2.59.1737 (2012)YesNoInitial DisclosureMT Mortgage Loan Rate Lock Commitment14844A mortgage loan (aka a residential mortgage loan)A dwelling or residential real estate upon which is either constructed a dwelling or is intended to be constructed a dwelling within 2 years (subject to 24 CFR § 3500.5[b][4])Not specified, but practically before an interest rate lock-in fee is chargedMONT. CODE ANN. § 32-9-148(3)(c) (West 2013)YesYesInitial DisclosureMT Loan Commitment15517A mortgage loan (aka a residential mortgage loan)A dwelling or residential real estate upon which is either constructed a dwelling or is intended to be constructed a dwelling within 2 years (subject to 24 CFR § 3500.5[b][4])After approval of the loan application, but before a commitment fee is chargedMONT. CODE ANN. § 32-9-148(3)(d) & (5) (West 2013)YesYesClosingMT Ack Real Prop is not exempt1412Not specifiedA homestead, consisting of a dwelling house or mobile homeAt closingMONT. CODE ANN. §§ 70-32-105, 70-32-106 & 70-32-107 (West 2013)YesNoClick here for Table of ContentsClick here for Table of ContentsNebraska(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureAnti-Coercion Insurance Disclosure2778A loan of money, extension of credit, or renewal of an extension of creditNot specifiedNot specifiedNEB. REV. STAT. ANN. § 44-1526(1) (West 2012)NoNoInitial DisclosureNE Loan Broker Disclosure Statement3444A loan of moneyNot specifiedAt least 48 hours before a borrower signs a brokerage agreement.NEB. REV. STAT. ANN. § 45-191.01 (West 2012)NoNoInitial Disclosure, Processing, Underwriting, ClosingNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn 4193A residential mortgage loanA 1-to-4 unit dwelling or residential real estate upon which is (or will be constructed) a dwellingOn the applicationNEB. REV. STAT. ANN. § 45-736 (West 2012)NoNoInitial DisclosureNE Construction Loan Notice4669A financing of the construction of improvements on real propertyReal propertyBefore the disbursement of any proceeds under the loan.NEB. REV. STAT. ANN. § 76-239.01 (West 2012)NoNoInitial DisclosureDual Capacity Disclosure12999 (upon request)A residential mortgage loan, that is connected to the sale of real estateA 1-to-4 unit dwelling or residential real estate upon which is (or will be constructed) a dwellingBefore receiving compensation as a mortgage banker or mortgage loan originatorNEB. REV. STAT. ANN. § 45-740(1)(g) (West 2012)NoNoClosingAssignment, Sale, or Transfer of Servicing21 (Federal)A residential mortgage loanA 1-to-4 unit dwelling or residential real estate upon which is (or will be constructed) a dwellingNot less than 15 days prior to the effective date of the transfer of servicing rightsNEB. REV. STAT. ANN. § 45-739 (West 2012)NoNoClosingNotice to Cosigner on Fixed Rate Note Nebraska SecondOn 1061A loan, the interest rate of which exceeds 16%Not specifiedOn a writing evidencing a loanNEB. REV. STAT. ANN. § 45-1055(1) (West 2012)NoNoClosingNE Notice to Cosigner13029A loan, the interest rate of which exceeds 16%Not specifiedBefore or contemporaneously with signing any agreement of loan.NEB. REV. STAT. ANN. § 45-1053 (West 2012)Yes, via form promulgated by DepartmentYes, via form promulgated by DepartmentClosingRequest for Notice - NE15163 Not specified, but one in connection with which a trust deed, which conveys real property to a trustee, is madeReal propertyAny time subsequent to recording, but prior to filing for record of a notice of default.NEB. REV. STAT. ANN. § 76-1008 (West 2012)NoYesClick here for Table of ContentsClick here for Table of ContentsNevada(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureNV Notice and Waiver2772A loan which is made simultaneously with the purchase of all or part of the real propertyReal propertyBefore the disbursement of loan proceeds or the issuance of the borrower’s title policy.NEV. REV. STAT. ANN. § 692A.210 (West 2011)YesNoInitial DisclosureAdvanced Fee/Application Disclosure2783A loan secured by a lien on real propertyReal propertyBefore accepting any advance feesNEV. REV. STAT. ANN. §§ 645B.165(3) & 645E.420(3) (West 2011)YesNoInitial DisclosureAnti-Coercion Insurance Disclosure2788Either: (1) a home loan, including a consumer credit transaction subject to HOEPA (15 USCA § 1602[aa]) and regulations adopted pursuant thereto (12 CFR § 226.32); (2) any loan or extension thereof or credit; or (3) a loan secured by real propertyEither: (1) home property; or (2) real propertyNot specifiedNEV. REV. STAT. ANN. §§ 598D.100(1)(a), 686A.200 & 691A.030 (West 2011)NoNoInitial DisclosureNV Employee Disclosure3839A lien on real propertyReal propertyBefore the date that the loan is consummated.NEV. REV. STAT. ANN. § 645B.186 (West 2011); NEV. ADMIN. CODE § 645B.210 (2013)YesYesInitial DisclosureNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn 4193A lien on real propertyReal propertyOn the applicationNEV. REV. STAT. ANN. § 645B.307 (West 2011)NoNoInitial DisclosureNV Reasonable Means Disclosure12913A home loan, including a low-document, no-document, or stated-document home loan, and a consumer credit transaction subject to HOEPA (15 USCA § 1602[aa]) and regulations adopted pursuant thereto (12 CFR § 226.32)Real propertyNot specifiedNEV. REV. STAT. ANN. § 598D.100(1)(b) (West 2011); Mortgage Lending Division Letter 2007-2, Exhibit AYesYesInitial DisclosureNV Acknowledgement of Dual Capacity13030A loan secured by a lien on real propertyReal propertyAt the time of applicationNEV. ADMIN. CODE § 645B.235 & 645E.290; NV Reg. LCB File No. R087-04YesYesInitial DisclosureNV Mortgage Broker Compensation Disclosure14279A loan secured by a lien on real propertyReal propertyAt any time prior to consummationNEV. REV. STAT. ANN. § 645B.305 (West 2011); AB 513 Guidance Letter, Exhibit NV12YesYesClosingHOEPA Loan Legend on NV Deed of Trust or NV Deed of Trust Second342 or 500A home loan subject to provisions of § 152 of the Home Ownership and Equity Protection Act of 1994 (15 USCA § 1602[aa]) and regulations made pursuant thereto (12 CFR § 226.32)Real propertyOn the security instrumentNEV. REV. STAT. ANN. § 598D.130(2) (West 2011)NoNoClosingNV Affirmation Regarding SSN11545Not specifiedNot specifiedNot specifiedNEV. REV. STAT. ANN. § 239B.030(6) (West 2011)NoNoInitial DisclosureAddendum to Loan Application13441Not specifiedNot specifiedNot specifiedNEV. REV. STAT. ANN. § 122A.200 (West 2011)NoNoClick here for Table of ContentsClick here for Table of ContentsNew Hampshire(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureAnti-Coercion Insurance3750A purchase of real or personal property or a lending of money on the security of real or personal propertyReal or personal propertyNot specifiedN.H. REV. STAT. ANN. § 417:4(XVI) (2013)NoNoInitial DisclosureNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn 4193A residential mortgage loanA dwelling, real property, or residential real estate, of or upon any of which is a 1-to-4 family housing unitOn the applicationN.H. REV. STAT. ANN. § 397-A:6(I) (2013)NoNoInitial DisclosureAddendum to Loan Application13441Not specifiedNot specifiedNot specifiedN.H. REV. STAT. ANN. § 457:1-a (2013)NoNoInitial DisclosureAdvanced Fee/Application Disclosure and Good Faith Estimate 01-01-102783 & 14221 (Federal)A mortgage loanA dwelling, real property, or residential real estate, of or upon any of which is a 1-to-4 family housing unitWithin 3 days of receipt of the loan applicationN.H. REV. STAT. ANN. § 397-A:16(I) (2013)NoNoInitial DisclosureNH Disclosure of Payment Application15935 (upon request)A mortgage loanA dwelling, real property, or residential real estate, of or upon any of which is a 1-to-4 family housing unitAt the time the loan application is takenN.H. REV. STAT. ANN. § 397-A:14(III) (2013)NoNoAdverse ActionStatement of Credit, Denial, Termination or Change15858 (Federal)Credit for personal, family, or household purposesNot specifiedWhen credit or insurance is denied or the charge for credit or insurance is increasedN.H. REV. STAT. ANN. § 359-B:15 (2013)NoNoClosingFinance Change Statement in Truth-in-Lending DisclosureOn 18Credit, including a residential mortgage and a consumer credit transactionNot specifiedConcurrently with consummationN.H. REV. STAT. ANN. §§ 399-B:2 & 399-B:2-a (2013)NoNoClick here for Table of ContentsClick here for Table of ContentsNew Jersey(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureNJ Authorization of Overnight Delivery Services1030A mortgage loan, secured by a first mortgage on real property and which has a closed-endReal property on which there are 1-to-4 dwelling unitsBefore delivery fees are charged.N.J. ADMIN. CODE 3:1-16.2(a)(7)(i) (2013)YesNoInitial DisclosureNJ Initial Tax Authorization Notice1507A mortgage loanEither: (1) real property on which there is (or will be) erected a 1-to-6 dwelling structure; or (2) land, including real propertyWhen a mortgage escrow account is sold, assigned, or transferred to a purchasing servicing organizationN.J. STAT. ANN. §§ 17:16F-17, 54:4-64(c), & 54:5-104.48 (West 2013); N.J. ADMIN. CODE 5:33-4.3 (2013)YesYesInitial DisclosureAdvanced Fee/Application Disclosure2783A mortgage loan, secured by a first mortgage on real property and which has a closed-endReal property on which there are 1-to-4 dwelling unitsBefore accepting application and third party fees.N.J. ADMIN. CODE 3:1-16.3(a) (2013)YesNoInitial DisclosureNJ Choice of Insurer Notice3850A mortgage loanProperty securing a mortgage loanNot specifiedN.J. STAT. ANN. § 17:11C-73(d) (West 2013)NoNoInitial Disclosure, Processing, Underwriting, and ClosingNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn 4193 (FNMA)A residential mortgage loanA dwelling (as defined in section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingOn the applicationN.J. STAT. ANN. § 17:11C-72 (West 2013)NoNoInitial DisclosureNJ Notice to Borrower4440A high-cost home loanA 1-to-6 family dwelling which is (or will be) occupied by a borrower as a principal dwellingAt least 3 business days prior to consummation.N.J. STAT. ANN. § 46:10B-26(f) (West 2013)YesNoInitial DisclosureNJ Commitment Letter4479Either: (1) a loan; or (2) a mortgage loan, secured by a first mortgage on real property and which has a closed-endEither: (1) real property; or (2) real property on which there are 1-to-4 dwelling unitsNot specifiedN.J. STAT. ANN. § 46:10A-6(c) (West 2013); N.J. ADMIN. CODE 3:1-16.5(a)(1) through (9) & 1-16.6 (2013)YesYesInitial DisclosureNJ Rate Lock – In Agreement4480A mortgage loan, secured by a first mortgage on real property and which has a closed-endReal property on which there are 1-to-4 dwelling unitsNot specified, but practically more than 3 days before closingN.J. ADMIN. CODE 3:1-16.4 & 1-16.6 (2013)YesYesInitial DisclosureNJ Right to Choose Own Attorney5097Either: (1) a loan; or (2) a secondary mortgage loanEither: (1) real property; or (2) residential real estate, upon which is (or is intended to be) constructed a 1-to-4 family dwelling (as defined in Section 103[v] of TILA)Before borrower accepts a written offer by the lender to make a loanN.J. STAT. ANN. § 46:10A-6 (West 2013); N.J. ADMIN. CODE 3:15-9.2(c)(4) (2013)NoNoInitial DisclosureNJ Addendum to Loan Application11886Not specifiedNot specifiedNot specifiedN.J. STAT. ANN. §§ 37:1-31 & 37:1-33 (West 2013)NoNoClosingNJ Private Well Water Test Results4441Every contract of sale of real property (i.e. a purchase loan)Real propertyAt closingN.J. STAT. ANN. § 58:12A-27 (West 2013)YesNoInitial DisclosureGood Faith Estimate 01-01-10 and NJ Disclosure Form14221 (Federal) & 15059A mortgage loan, secured by a first mortgage on real property and which has a closed-endReal property on which there are 1-to-4 dwelling unitsWithin 3 business days after receiving the borrower’s application or before closing, whichever is earlierN.J. ADMIN. CODE 3:1-16.2 & 3:1-16.3(d) (2013)NoNoClick here for Table of ContentsClick here for Table of ContentsNew Mexico(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial Disclosure and TILA RedisclosureMortgage Loan Summary on Good Faith Estimate 01-01-10 and Initial Truth-In-Lending Disclosure1591 (Federal)Either: (1) a mortgage loan; or (2) a residential mortgage loanA 1-to-4 unit dwelling or residential real estate upon which is (or is intended to be) constructed a dwellingAt least 2 days prior to closing.N.M. STAT. ANN. §§ 58-21-31(E), 58-21B-20(A)(6) & (A)(7), & 58-21B-20(B)(2) (West 2012); N.M. CODE R. 12.19.2.13 & 12.19.8.12(B) (2013)NoNoInitial DisclosureNM High-Cost Home Loan Notice to Borrower2747A high-cost home loanReal estate upon which there is (or will be) located a 1-to-4 family, borrower-occupied structureAt least 3 business days prior to consummationN.M. STAT. ANN. § 58-21A-5(e) (West 2012)YesNoInitial DisclosureAdvanced Fee/Application Disclosure2783A mortgage loan A 1-to-4 unit dwelling or residential real estate upon which is (or will be) a dwellingNot specifiedN.M. CODE R. 12.19.8.8(D)(2) (2013)YesYesInitial DisclosureNM Freedom to Choose Insurance Company2794A loan of money secured by real or personal propertyReal or personal propertyNot specified.N.M. STAT. ANN. § 59A-16-14(A) (West 2012); N.M. CODE R. 13.7.2.8 (2013)YesNoInitial DisclosureNM Authorization for Lender to Obtain Insurance2795A loanReal or personal propertyAfter signing Cx2794N.M. CODE R. 13.7.2.9 (2013)NoNoInitial DisclosureNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn 4193 (FNMA)A residential mortgage loanA 1-ot-4 unit dwelling or residential real estate upon which is (or will be) a dwellingOn the applicationN.M. STAT. ANN. § 58-21B-24 (West 2012)NoNoInitial DisclosureNM Attorney Preference8809A home loanReal estate upon which there is (or will be) a 1-to-4 family, borrower-occupied structureNot specifiedN.M. STAT. ANN. § 58-21A-3(M)(1)(d)(8) (West 2012)NoNoInitial DisclosureTangible Net Benefit Worksheet12531 (upon request)A home loan which refinances another home loanReal estate upon which there is (or will be) a 1-to-4 family, borrower-occupied structureNot specifiedN.M. STAT. ANN. § 58-21A-4(b) (West 2012)NoNoInitial DisclosureMortgage Loan Company Compensation on Initial Truth-in-Lending Disclosure and Good Faith Estimate 01-01-101591 (Federal) & 14221 (Federal)Either: (1) a mortgage loan; or (2) a residential mortgage loanA 1-to-4 unit dwelling or residential real estate upon which is (or is intended to be) construction a dwellingAt least 2 days prior to closing.N.M. STAT. ANN. §§ 58-21-31(D) and 58-21B-20(A)(7) & (B)(1) (West 2012); N.M. CODE R. 12.19.2.13 & 12.19.8.12(B) (2013)NoNoInitial DisclosureNM Rate Lock Disclosure14305 or 14725 (upon request)A mortgage loanA 1-to-4 unit dwelling or residential real estate upon which is (or is intended to be) construction a dwellingNot specifiedN.M. STAT. ANN. § 58-21-31(B) & (F) (West 2012); N.M. CODE R. 12.19.8.12(A) (2013)YesYesClick here for Table of ContentsClick here for Table of ContentsNew York(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureNY Lock-in Expiration Notice1569A mortgage loanResidential real property, improved by a 1-to-4 family, owner-occupied dwellingNot less than 12 business days nor more than 20 business days prior to the commitment expiration.N.Y. BANKING LAW § 595-a(3)(c) (McKinney 2013); N.Y. COMP. CODES R. & REGS. tit. 3, § 38.4(d) (2013)NoNoInitial DisclosureNY Insurance Disclosure1572A mortgage loanResidential real property, improved by a 1-to-4 family, owner-occupied dwellingAt the time of commitment, or if no commitment, at the time of application.N.Y. COMP. CODES R. & REGS. tit. 3, § 38.9 (2013)NoNoInitial DisclosureNY Interest Rate Disclosure3572Either: (1) a loan secured by real property used for residential purposes; or (2) a mortgage loanEither: (1) real property used for residential purposes; or (2) Residential real property, improved by a 1-to-4 family, owner-occupied dwelling At applicationN.Y. BANKING LAW § 9-o(2) (McKinney 2013); N.Y. COMP. CODES R. & REGS. tit. 3, § 38.3(d) (2013)NoNoInitial DisclosureNY Pre-Application Disclosure and Fee Agreement for Licensed Brokers3587A mortgage loanResidential real property, improved by a 1-to-4 family, owner-occupied dwellingPrior to taking an application or collecting an application, credit report, or property appraisal feeN.Y. COMP. CODES R. & REGS. tit. 3, § 38.3(a)(1) (2013)NoNoInitial DisclosureNY Interest Rate Lock Commitment3588A mortgage loan, used to purchase a dwelling or in which a commitment fee or points are paid to the lenderResidential real property, improved by a 1-to-4 family, owner-occupied dwellingAt the time of commitment and prior to the acceptance of a commitment fee or points.N.Y. COMP. CODES R. & REGS. tit. 3, § 38.4(a) (2013)NoNoInitial DisclosureNY High Cost Loan Disclosure3650A high cost home loanReal estate upon which there is (or will be) located a 1-to-4 family, borrower-occupied structureAt or prior to taking an applicationN.Y. COMP. CODES R. & REGS. tit. 3, § 41.4(a) (2013)NoNoInitial DisclosureNY High Cost Loan Insurance Disclosure3673A high cost home loanReal estate upon which there is (or will be) located a 1-to-4 family, borrower-occupied structureAt least 10 business days before the loan is closed.N.Y. COMP. CODES R. & REGS. tit. 3, § 41.5(b)(5) (2013)YesYesInitial DisclosureNY High Cost Loan Counseling Disclosure3674A high cost home loanReal estate improved by a 1-to-4 family, borrower-occupied structureAt the time of applicationN.Y. BANKING LAW § 6-l(2)(l)(i) (McKinney 2013); N.Y. COMP. CODES R. & REGS. tit. 3, § 41.3(a)(1) (2013)NoNoInitial DisclosureNY Prevailing Interest Rate Commitment3710A mortgage loanResidential real property, consisting of real property improved by a 1-to-4 family, owner-occupied dwellingPrior to acceptance of a commitment fee, points, or other discountsN.Y. COMP. CODES R. & REGS. tit. 3, § 38.5 (2013)NoNoInitial DisclosureNY Balloon Payment Disclosure4168Either: (1) a balloon-payment mortgage loan, consisting of a term of 3 years or more, which is a junior mortgage with an outstanding balance of $250,000 or less (including all lien balances); or (2) a balloon-payment mortgage loan, which is a primary lien, which has a principal amount of less than $250,000, and which has an adjustable interest rateReal property improved by a 1-to-4 family, owner-occupied residencePrior to accepting an applicationN.Y. COMP. CODES R. & REGS. tit. 3, §§ 80.4(a) & (b) and 82.6(a) & (b) (2013)NoNoInitial DisclosureNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn 4193 (FNMA)A residential mortgage loanA dwelling (as defined in Section 1203[v] of TILA), or residential real property, which is improved by a 1-to-4 family residenceOn the applicationN.Y. BANKING LAW § 599-P (McKinney 2013)NoNoInitial DisclosureNY Lock In Agreement5099A mortgage loanResidential real property, consisting of real property improved by a 1-to-4 family, owner-occupied dwellingPrior to taking any points or a lock-in feeN.Y. COMP. CODES R. & REGS. tit. 3, § 38.6 (2013)YesYesInitial DisclosureNY Pre-Application Disclosure for Licensed Bankers5100A mortgage loanResidential real property, consisting of real property improved by a 1-to-4 family, owner-occupied dwellingPrior to taking an application or collecting an application, credit report, or appraisal feeN.Y. COMP. CODES R. & REGS. tit. 3, § 38.3(c)(1) (2013)NoNoInitial DisclosureNY Application Disclosure9710A mortgage loan, used to finance the purchase of a dwelling, or in connection therewith commitment fees or points are paid prior to closingResidential real property, consisting of real property improved by a 1-to-4 family, owner-occupied dwellingPrior to the taking of an application, application fee, credit report fee, or property appraisal feeN.Y. COMP. CODES R. & REGS. tit 3, § 38.3(b)(1) (2013)NoNoInitial DisclosureNY Consumer Caution Notice12865A high cost home loanReal estate improved by a 1-to-4 family, borrower-occupied structureWithin 3 days after determining the loan is a high-cost home loan, but no less than 10 days before closing.N.Y. BANKING LAW § 6-l(2)(l)(ii) (McKinney 2013); N.Y. COMP. CODES R. & REGS. tit. 3, § 41.3(a)(2) (2013)NoNoInitial DisclosureNY Notice to Borrower12870A high cost home loanReal estate upon which is (or will be) a 1-to-4 family, borrower-occupied structureAt application or, if application is made by telephone, within 3 days after determining the loan is a high-cost home loan, but no less than 10 days before closing.N.Y. COMP. CODES R. & REGS. tit. 3, § 41.4(d) (2013)NoNoInitial DisclosureGood Faith Estimate 01-01-1014221A home loanNot specifiedWithin 3 days after receipt of application.N.Y. BANKING LAW § 590-b(1)(e) (McKinney 2013)NoNoInitial DisclosureNY Subprime Loan Counseling Disclosure14482A subprime home loanReal estate improved by a 1-to-4 family, owner-occupied dwellingAt the time of application.N.Y. BANKING LAW § 6-m(2)(j) (McKinney 2013)NoNoInitial DisclosureNY FHA Mortgage Loan Correspondent Disclosure14650A mortgage loanResidential real property, improved by a 1-to-4 family, owner-occupied dwellingPrior to accepting an application, application fee, credit report fee, or property appraisal feeN.Y. COMP. CODES R. & REGS. tit. 3, § 38.13(d) (2013)NoNoInitial Disclosure and ClosingCredit Score Disclosure – B-3/H-315312 (Federal)A mortgage loanReal propertyNot specified, but practically after approving a loan with materially less favorable terms than normalN.Y. BANKING LAW § 6-d (McKinney 2013)NoNoInitial DisclosureNY Notice of Right to Select Attorney15665 (upon request)A mortgage loanResidential real property, improved by a 1-to-4 family, owner-occupied dwellingNot specifiedN.Y. COMP. CODES R. & REGS. tit. 3, § 38.7(a)(11) (2013)NoNoInitial DisclosureHigh Cost Tangible Net Benefit Worksheet15773 (upon request)A high cost home loanReal estate upon which there is (or will be) a 1-to-4 family, owner-occupied structureNot specifiedN.Y. COMP. CODES R. & REGS. tit. 3, § 41.5(b)(4) (2013)NoNoAdverse ActionStatement of Credit Denial, Termination or Charge15858 (Federal)Either: (1) a mortgage loan; or (2) creditReal propertyNot specifiedN.Y. BANKING LAW § 6-d; N.Y. EXEC. LAW § 296-a(4) (McKinney 2013)NoNoInitial DisclosureNY Dual Capacity Disclosure16585A mortgage loanResidential real property, improved by a 1-to-4 family, owner-occupied dwellingAt the first substantive contact between the broker and the borrower.N.Y. COMP. CODES R. & REGS. tit. 3, § 38.12 (2013)YesNoInitial DisclosureNY Non-Purchase Residential Mortgage Loan Disclosure17012 (upon request)A mortgage loan, the proceeds of which are not for purchasing or construction purposes and in connection therewith no commitment fees or points are paid to the lender prior to closingResidential real property, improved by a 1-to-4 family, owner-occupied dwellingAt loan approvalN.Y. COMP. CODES R. & REGS. tit. 3, § 38.4(b) (2013)NoNoInitial Disclosure and ClosingCopy of Appraisal Report Notice6 (Federal)A loan or forbearance secured primarily by an interest in real propertyReal propertyNot specifiedN.Y. REAL PROP. LAW § 254-C(1) (McKinney 2013)NoNoInitial Disclosure and ClosingVarious TILA Disclosures18, 1591, and other TILA DisclosuresA mortgage loan, which is a primary lien, which has a principal amount of less than $250,000, and which has an adjustable interest rateReal property, consisting of 1-to-4 family residences occupied by the ownerPrior to accepting an application for a loanN.Y. COMP. CODES R. & REGS. tit. 3, §§ 82.6 & 82.9 (2013)NoNoInitial Disclosure and ClosingNY Fair Credit Reporting Act Disclosure3576An extension of creditNot specifiedBefore a person requests a consumer report.N.Y. GEN. BUS. LAW§ 380-b (McKinney 2013)NoNoInitial Disclosure Junior Lien Disclosure5283A junior mortgage loan of $250,000 or less (combined with all outstanding balances), including a revolving credit line, in an amount of $2,500 or moreReal property improved by a 1-to-4 family owner-occupied residencePrior to accepting an application.N.Y. COMP. CODES R. & REGS. tit. 3, §§ 80.4(c) & 80.10(b) (2013)NoNoClosingSubprime or High-Cost Home Loan Legend on NY MortgagesOn 343, 396, 501, 16198, 16245A high-cost home loan or a subprime home loanReal estate improved by a 1-to-4 unit family dwelling used as the borrower’s principal dwellingOn the mortgageN.Y. BANKING LAW §§ 6-l(2-a)(a) & 6-m(5) (McKinney 2013); N.Y. COMP. CODES R. & REGS. tit. 3, § 41.7 (2013)NoNoClosingFixed Rate Note New York SecondOn 1066A junior mortgage loanResidential real property, consisting of real property improved by a 1-to-4 familyOn the noteN.Y. BANKING LAW § 590-A(2) (McKinney 2013)NoNoClosingNY Smoke Alarm Affidavit1419A conveyance (i.e. a purchase loan)Real property containing a 1-to-2 family dwelling or condo unit used as a residenceGrantor provides at the time of conveyanceN.Y. EXEC. LAW § 378(5-b)(d) (McKinney 2013)NoNoClosingNY Consolidation, Extension and Modification Agreement1583A refinance mortgage (sometimes a purchase money mortgage)Real propertyAt closingN.Y. Tax Law §§ 250 through 267 (McKinney 2013);FNMA 2013 Selling Guide, B8-2-02NoNoClosingNY Tax Escrow Account Designation2657A loan with a real property tax escrow accountA 1-to-6 family, owner-occupied residenceNot specifiedN.Y. REAL PROP. TAX LAW § 954(1) (McKinney 2013)Yes, per promulgated formNoClosingNY Notice to Cosigner12871A consumer credit transactionNot specifiedAt closingN.Y. GEN. OBLIG. LAW § 15-702(3) (McKinney 2013)Yes, by the co-signerNoClosingNY Property Insurance Escrow Account Disclosure15034A loan with a real property insurance escrow accountA 1-to-4 family, owner-occupied residenceAt the time of the establishment of the real property insurance escrow account.N.Y. BANKING LAW § 6-k(2)(f) (McKinney 2013)NoNoClosingNew York Notice of Creation, Transfer, or Termination of Tax2075 (upon request)A loan with a real property tax escrow accountA 1-to-6 family, owner-occupied residenceNo later than the 25th day of each monthN.Y. Real Prop. Tax Law § 953(9) (McKinney 2012)NoNoClick here for Table of ContentsClick here for Table of ContentsNorth Carolina(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?N.C. GEN. STAT. ANN Initial DisclosureNC Notice of Information1271A home loan, which is a first lien loan with a principal amount of less than $300,000Real estate upon which there is located 1-to-4 family dwellings or dwelling unitsNot later than closing or 3 business days after receiving an application, whichever is earlier.N.C. GEN. STAT. ANN. § 24-1.1A(a1)(1) (West 2013)NoNoClosingNC Tangible Net Benefit Worksheet2031A consumer home loan which refinances another consumer home loanReal estate with 1-to-4 units which is the borrower’s principal dwellingNot specifiedN.C. GEN. STAT. ANN. § 24-10.2(c) (West 2013)NoNoInitial DisclosureAnti-Coercion Insurance Disclosure2778A loan for the purchase of property or a loan of money on the security of a security instrument on the propertyReal or personal propertyNot specifiedN.C. GEN. STAT. ANN. §§ 75-17, 75-18, & 58-57-65 (West 2013)NoNoInitial DisclosureRight to Choose Attorney3846A high-cost home loanA manufactured home or real estate with 1-to-4 dwelling units occupied as the borrower’s principal dwellingNot specifiedN.C. GEN. STAT. ANN. § 24-1.1E(a)(5)(b)(ii) (West 2013)NoNoInitial DisclosureNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn 4193 (FNMA)A residential mortgage loanA dwelling, consisting of 1-to-4 units, or residential real estate upon which is (or is intended to be) a dwellingOn the applicationN.C. GEN. STAT. ANN. § 53-244.107 (West 2013)NoNoInitial DisclosureNC Acknowledgement of Fixed Rate Loan Terms and Costs13327A residential mortgage loan, which is also a rate spread adjustable rate loanA dwelling, consisting of 1-to-4 units, or residential real estate upon which is (or is intended to be) a dwellingNot specified, bet practically before brokering a rate spread adjustable rate loan.N.C. GEN. STAT. ANN. § 53-244.111(13) (West 2013)NoNoInitial Disclosure and ProcessingNC Fee Information From Your Mortgage Broker15944 (upon request)A residential mortgage loanA dwelling, consisting of 1-to-4 units, or residential real estate upon which is (or is intended to be) a dwellingIn a timely mannerN.C. GEN. STAT. ANN. § 53-244.109(5) (West 2013) NoNoInitial Disclosure and ClosingCopy of Appraisal Report Notice6 (Federal)A loan secured by real property Real propertyNot specifiedN.C. GEN. STAT. ANN. § 24-10(h) (West 2013)NoNoClick here for Table of ContentsClick here for Table of ContentsNorth Dakota(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureND VA Loan Applicants Disclosure1602A mortgage loan insured or guaranteed by the United States Veteran’s AdministrationReal propertyAt applicationN.D. CENT. CODE ANN. § 35-03-01.3 (West 2011)YesYesInitial DisclosureND Money Broker Contract1904A loanNot specifiedBefore the money broker performs any services for a potential borrowerN.D. ADMIN. CODE 13-05-01-02, 13-05-01-05, & 13-05-01-09 (2013)NoNoInitial DisclosureAnti-Coercion Insurance Disclosure2778A purchase loan or a lending of money on the security of propertyPropertyNot specifiedN.D. CENT. CODE ANN. § 26.1-04-04 (West 2011)NoNoInitial DisclosureNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn 4193A residential mortgage loanA dwelling (as defined as Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) a dwellingOn the applicationN.D. CENT. CODE ANN. § 13-10-21 (West 2011)NoNoInitial DisclosureND Money Broker Loan Disclosure Statement1905A loanNot specifiedWhen a loan is arrangedN.D. ADMIN. CODE 13-05-01-03 & 13-05-01-04 (2013)NoNoClick here for Table of ContentsClick here for Table of ContentsOhio(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureAnti-Coercion Insurance Disclosure2778A lending of money, extension of credit, renewal of an extension of credit, or a residential mortgageResidential and real property, including a mobile or manufactured homeNot specifiedOHIO REV. CODE ANN. §§ 3901.211 & 3933.04 (West 2012)NoNoInitial DisclosureSection 32 Mortgage Loan Disclosure2790 (Federal)A covered loanA consumer’s principal dwellingNo less than 3 business days prior to consummationOHIO REV. CODE ANN. § 1349.26 (West 2012)Yes when original terms changed at initiation of borrower and new disclosures provided by telephoneYes when original terms changed at initiation of borrower and new disclosures provided by telephoneInitial DisclosureOH Mortgage Loan Origination Disclosure3472A residential mortgage loan A dwelling (as defined in Section 103 of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingWithin 3 business days after taking an applicationOHIO REV. CODE ANN. §§ 1321.592(B) & 1322.062(A) (West 2012); OHIO ADMIN. CODE 1301:8-7-15(A) (2013)YesYesInitial DisclosureOH Affiliated Agreement Disclosure3843A real estate loanReal estateNot specifiedOHIO REV. CODE ANN. § 1349.11 (West 2012)NoNoInitial DisclosureOH Addendum to Uniform Residential Loan Application4689CreditNot specifiedAt applicationOHIO REV. CODE ANN. § 4112.021(B)(1)(g) (West 2012)NoNoInitial DisclosureOH Escrow Account Disclosure11197A non-brokered loan secured by a lien on real propertyReal propertyNot earlier than 3 business days nor late than 24 hours before closingOHIO REV. CODE ANN. § 1321.592(A) (West 2012)NoNoInitial DisclosureOH High Loan to Value Disclosure11198A residential mortgage loan which exceeds 90% LTVA dwelling (as defined in Section 103 of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingWithin 3 business days after taking an applicationOHIO REV. CODE ANN. §§ 1321.592(B) & 1322.062(A)(1)(J) (West 2012)YesYesInitial DisclosureOH Addendum to the GFE and Good Faith Estimate 01-01-1011204 & 14221 (Federal)A residential mortgage loanA dwelling (as defined in Section 103 of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingWithin 3 business days after taking an applicationOHIO REV. CODE ANN. § 1322.062(D) (West 2012); OHIO ADMIN. CODE 1301:8-7-15(D) (2013)YesNoInitial DisclosureOH Business Relationship Disclosure Notice12271A residential mortgage loanA dwelling (as defined in Section 103 of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingBefore referring the buyer to any settlement service provider.OHIO REV. CODE ANN. § 1322.075 (West 2012); OHIO ADMIN. CODE 1301:8-7-25 (2013)YesNoInitial DisclosureOhio Notice of Change in Mortgage Terms12463 (upon request)A residential mortgage loanA dwelling (as defined in Section 103 of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingNot later than 24 hours after the information in Cx3472 changes, or 24 hours before the loan is closed, whichever is earlier.OHIO REV. CODE ANN. §§ 1322.062(B) & 1322.064 (West 2013)NoNoInitial DisclosureTangible Net Benefit Worksheet12531 (upon request)A covered loan which refinances another covered loan within 1 year, excluding a residential mortgage transactionProperty used as the consumer’s principal dwellingNot specifiedOHIO REV. CODE ANN. § 1349.27(G) (West 2012)NoNoInitial DisclosureOH Verification of Prepurchase Counseling and Acknowledgment of Risk Disclosure13488A covered loan, excluding a residential mortgage transactionProperty used as the consumer’s principal dwellingBefore consummationOHIO REV. CODE ANN. § 1349.27(K) (West 2012)YesNoInitial DisclosureOH Conflict of Interest Disclosure13605 (upon request)A residential mortgage loanA dwelling (as defined in Section 103 of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingPrior to furnishing or placing insuranceOHIO REV. CODE ANN. § 1301:8-3-17(D) (West 2012)NoNoInitial DisclosureOhio Insurance Notice to Applicant13606 (upon request)A residential mortgage loanA dwelling (as defined in Section 103 of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingAt the time the loan is madeOHIO ADMIN. CODE 1301:8-3-17(B) (2013)NoNoInitial Disclosure and ClosingOH Homebuyers’ Protection Act11195A residential mortgageReal property containing (or which shall contain) 1-to-2 residential unitsAt application, or within 5 days if application is not submitted in person.OHIO REV. CODE ANN. § 1345.05(A)(4) & (G) (West 2012); OHIO ADMIN. CODE 109:4-3-29 (2013)YesNoInitial Disclosure OH Escrow Account Disclosure11205A residential mortgage loanA dwelling (as defined in Section 103 of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingNot earlier than 3 business days nor later than 24 hours before closingOHIO REV. CODE ANN. § 1322.063 (West 2012)NoNoInitial Disclosure and ClosingOH Acknowledgement of Receipt of Home Mortgage Loan Informational Document12447A residential mortgageReal property containing (or which shall contain) 1-to-2 residential unitsAt application, or within 5 business days if application is not submitted in person.OHIO REV. CODE ANN. § 1345.05(G) (West 2012); OHIO ADMIN. CODE 109:4-3-29 & 109:4-3-29 Appendix (2013)YesNoClosingOH Closing Disclosure11267A consumer transaction connected with a residential mortgageReal property containing (or which shall contain) 1-to-2 residential units At closingOHIO REV. CODE ANN. § 1345.031(B)(8) (West 2012); OHIO ADMIN. CODE 109:4-3-23 & 109:4-3-23 Appendix (2013)YesNoClosingOH Statutory Authority Disclosure13536A residential mortgage loanA dwelling (as defined in Section 103 of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingWith the loan documentsOHIO ADMIN. CODE 1301:8-3-07(H) (2013)NoNoClosingOH ARM Disclosure13537A residential mortgage loanA dwelling (as defined in Section 103 of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingAt least 6 months, but not more than 7 months, in advance of the initial scheduled interest reset dateOHIO ADMIN. CODE 1301:8-3-07(G)(3) (2013)NoNoInitial Disclosures and ClosingOH Promise to Refinance Loan16235 (upon request)A residential mortgage loanA dwelling (as defined in Section 103 of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingAt the time the indebtedness is incurredOHIO REV. CODE ANN. § 1322.07(H) (West 2012)YesNoClosingOH Optional Credit Insurance16236A loan or credit transaction, which is generally secured by a junior lienNot specifiedAt the time the indebtedness is incurredOHIO REV. CODE ANN. § 3918.06(D) (West 2012); OHIO ADMIN. CODE 3901-1-14(B)(4) & 3901-1-14, App. I (2013)YesNoClick here for Table of ContentsClick here for Table of ContentsOklahoma(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureAnti-Coercion Insurance Disclosure2788Either: (1) a loan of money upon the security of real or personal property; or (2)a residential mortgageReal or personal property, includingresidential propertyNot specifiedOKLA. STAT. ANN. tit. 36, §§ 1204(9) & 3639.3 (West 2012)NoNoInitial DisclosureOK Insurance Notice to Obligor3324A Subsection 10 mortgageA consumer’s principal dwellingNo later than the time of closingOKLA. STAT. ANN. tit. 14A, § 4-113 (West 2012)YesNoInitial DisclosureOK Subsection 10 Mortgage Loan Disclosure3325A Subsection 10 mortgageA consumer’s principal dwellingNot less than 3 business days prior to consummation.OKLA. STAT. ANN. tit. 14A, § 3-309.4(1) (West 2012)NoNoInitial DisclosureOK Title Protection Notice3851A financing for the purchase of property (i.e. a purchase money mortgage)Real property which is either improved property or unimproved property which is purchased with a construction loanAt the time of applicationOKLA. STAT. ANN. tit. 46, § 20 (West 2012)NoNoInitial DisclosureNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn 4193 (FNMA)A residential mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed such a dwellingOn the applicationOKLA. STAT. ANN. tit. 59, § 2095.4 (West 2012)NoNoInitial DisclosureTangible Net Benefit Worksheet15773 (upon request)A “Subsection 10” mortgage, which refinances a consumer loan in which the value of the collateral is substantial in relation to the loan amount and the finance charge exceeds 13% per year.A consumer’s principal dwellingNot specifiedOKLA. STAT. ANN. tit. 14A, § 3-411 (West 2012)NoNoInitial DisclosureGood Faith Estimate 01-01-10 and other Initial RESPA Disclosures14221 and other RESPA Disclosures (Federal)A residential mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed such a dwellingUpon receipt of a loan application and before receipt of any money from a borrowerOKLA. STAT. ANN. tit. 59, § 2095.15(B) (West 2012)NoNoInitial DisclosureCost of Insurance Disclosure16488A consumer loan, in which the value of the collateral is substantial in relation to the loan amount and the finance charge exceeds 13% per year.An interest in landNot specified, but practically before assessing charges for additional insurancesOKLA. STAT. ANN. tit. 14A, § 3-202(3)(a) & (3)(b) (West 2012)Yes, if borrower consents to life, accident, or health coverage insuranceNoInitial Disclosure, TILA Redisclosure, and ClosingAll TILA Disclosures18, 1591, and other TILA Disclosures (Federal)A consumer loan, in which the value of the collateral is substantial in relation to the loan amountAn interest in land, including the borrower’s principal dwellingVariousOKLA. STAT. ANN. tit. 14A, §§ 3-301 through 313 (West 2012)NoNoClick here for Table of ContentsClick here for Table of ContentsOregon(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureServicing Disclosure Statement20 (Federal)A mortgage loanReal estateNot specifiedOR. ADMIN. R. 441-870-0070(1) (2013)NoNoInitial DisclosureOR Escrow Account Statement2761A real estate loan of $100,000 or lessResidential property, including multifamily property, occupied by borrowerPrior to entering into a real estate loan agreementOR. REV. STAT. ANN. § 86.270 (West 2012)NoNoInitial DisclosureOR Escrow Account Option Notice2775A real estate loan of $100,000 or lessResidential property, including multifamily property, occupied by borrowerBefore arranging for prepayments of taxes, insurance, and similar charges.OR. REV. STAT. ANN. § 86.255 (West 2012)NoNoInitial DisclosureAnti-Coercion Insurance Disclosure2778A loan of money or extension of creditPropertyNot specifiedOR. REV. STAT. ANN. § 746.215 (West 2012)NoNoInitial DisclosureAdvanced Fee/Application Disclosure2783Not specifiedNot specifiedPrior to or at the time of receipt of advance fees.OR. ADMIN. R. 441-875-0030(8) (2013)NoNoInitial DisclosureNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn 4193A residential mortgage loanProperty upon which is a 1-to-4 residential dwelling unitsOn the applicationOR. REV. STAT. ANN. § 86A.239 (West 2012)NoNoInitial DisclosureOR Float or Lock Agreement4297Residential or single family loansNot specifiedNot specifiedOR. ADMIN. R. 441-850-0005(21), 441-865-0060(1)(c), & 441-870-0030(2) (2013)YesYesInitial DisclosureOR Late Charge Notice4679A loan secured by residential real propertyResidential real propertyPrior to execution of the mortgageOR. REV. STAT. ANN. §§ 86.165 & 86.180 (West 2012)NoNoInitial DisclosureAddendum to Loan Application13441Not specifiedNot specifiedNot specified, but practically with the applicationOR. REV. STAT. ANN. § 106.340 (West 2012)NoNoInitial DisclosureOR Conflict of Interest Disclosure13604 (upon request)A mortgage loanNot specifiedBefore negotiating loan terms.OR. ADMIN. R. 441-870-0030(4) (2013)NoNoInitial Disclosure, TILA Redisclosure, and ClosingItemization of Amount Financed 01-01-1014644 (Federal)A loan, which is subject to the Oregon Consumer Finance Act (a consumer finance loan)Real propertyAt the time each loan is madeOR. ADMIN. R. 441-730-0240 (2013)NoNoInitial DisclosureOR Spanish Good Faith Estimate, Spanish General Disclosure, & Spanish Truth-in-Lending Disclosure15656, 15657, & 15658A residential mortgage transactionProperty upon which is a 1-to-4 residential dwelling unitsWhen soliciting or negotiating business with a borrower in SpanishOR. REV. STAT. ANN. § 86A.198 (West 2012)NoNoClosingPrepayment Note Addendum31Loans, including mortgage loans and loans of more than 3 years secured by a mortgageReal propertyWith the loan agreementOR. REV. STAT. ANN. §§ 82.160, 82.170, & 86.150 (West 2012); OR. ADMIN. R. 441-870-0040 (2013)NoNoClosingOR Collateral Protection Insurance Disclosure1007A loanReal propertyWith the contract or loan agreementOR. REV. STAT. ANN. § 746.201 (West 2012)YesYesClosingHUD-1 01-01-1014222 (Federal)A loan, presumably a consumer finance loanReal propertyAt the time any loan is madeOR. REV. STAT. ANN. § 725.360(1) (West 2012)NoNoClosingOR Statute of Frauds Disclosure14718A loan or extension of credit for a non-consumer purposeNot specified, but generally does not apply to residential real property consisting of 1-to-4 dwelling units, one of which is the borrower’s residenceNot later that the time the loan is initially made.OR. REV. STAT. ANN. § 41.580(3) (West 2012)YesNoClosingAll Oregon Deeds of Trust346, 399, 504, & 1370 Not specifiedReal estateAn instrument is presented to a county clerk for recordingOR. REV. STAT. ANN. § 205.234 (West 2012)NoNoClick here for Table of ContentsClick here for Table of ContentsPennsylvania(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial Disclosure and ClosingPA Optional Insurance Notice1027A covered loan, which is a non-purchase consumer credit mortgage loan of less than $100,000A consumer’s principal dwellingNot later than the time of closing.63 PA. CONS. STAT. ANN. § 456.512(f)(2) (West 2012)YesNoInitial Disclosure and TILA RedisclosureProperty Insurance Consent on Truth-in-Lending DisclosureOn 1591A mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estateNot specified7 PA. CONS. STAT. ANN. § 6122(a)(4) (West 2012)YesNoInitial DisclosureAnti-Coercion Insurance Disclosure2778A loanReal or personal propertyBefore or at application18 PA. CONS. STAT. ANN. § 7309 (West 2012); 40 PA. CONS. STAT. ANN. § 310.76(a) & (b) (West 2012)NoNoInitial DisclosurePA High Cost Loan Disclosure3590A covered loan, which is a nonpurchase consumer credit mortgage loan of less than $100,000A consumer’s principal dwellingAt least 3 business days prior to consummation.63 PA. CONS. STAT. ANN. § 456.512(a) (West 2012)NoNoInitial DisclosurePA Application Disclosure3738A mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estateAt the time of application7 PA. CONS. STAT. ANN. § 6121(10)NoNoInitial DisclosureNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn 4193A mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estateOn the application7 PA. CONS. STAT. ANN. § 6121(14) (2012)NoNoInitial DisclosurePA Consumer Mortgage Disclosure Form14079A loan (a mortgage loan or a loan involving a mortgage)A dwelling (as defined in Section 103[v] of TILA) or residential real estateWithin 3 business days after application is received or prepared.10 PA. CONS. STAT. ANN. § 46.2(b) & (c) (2013)NoYesInitial DisclosurePA Lock-In Agreement15748 (upon request)A mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estateNot specified7 PA. CONS. STAT. ANN. §§ 6102, 6121(11) & 6123(7) (West 2013)YesYesInitial DisclosureCost of Insurance Disclosure16488 (upon request)A mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estateWhen the consumer elects to obtain certain insurances7 PA. CONS. STAT. ANN. § 6122(a)(3) (West 2013)Yes, if life, disability, health, accident, or unemployment insurance is purchased through licenseeNoInitial Disclosure and ClosingAll RESPA and TILA Disclosures18, 1591, 14221, 14222, and many othersA loan or extension of creditNot specifiedAt various times7 PA. CONS. STAT. ANN. § 303(c) (West 2012)NoNoClosingHELOC Agreement – PA1349A loan or extension of creditNot specifiedNot specified, but practically before making the loan or extending credit7 PA. CONS. STAT. ANN. § 303(d) (West 2012)YesYesClick here for Table of ContentsClick here for Table of ContentsRhode Island(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureRI Notice of Nonrefundability of Loan Fees3575A secured mortgage loanReal estate with dwelling houses of not more than 4Not later than 3 business days after the applicationR.I. GEN. LAWS ANN. § 34-23-6 (West 2012)NoNoInitial DisclosureAnti-Coercion Insurance3750Either: (a) a mortgage; or (b) a loan or extension of creditReal or personal propertyNot specifiedR.I. GEN. LAWS ANN § 27-5-3.2 & 27-29-4(9)(iv) & (10) (West 2012)NoNoInitial DisclosureRI Right to Choose Title Agent/Attorney3847A mortgage loan, residential mortgage loan, or commercial mortgage loanReal estateNot specifiedR.I. GEN. LAWS ANN §§ 19-9-5 & 19-9-6 (West 2012)NoNoInitial DisclosureNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn 4193 (FNMA)A residential mortgage loanA dwelling (as defined in Section 103[v] of TILA)or residential real estate upon which is (or Is intended to be) a dwellingOn the applicationR.I. GEN. LAWS ANN § 19-14.10-21 (West 2012)NoNoInitial DisclosureEnhanced Prepayment Penalty Disclosure, Rider, and Addendum12389, 12387, 12388A loan secured by a mortgageReal estate containing dwelling houses of not more than 4 dwelling unitsIn the mortgage noteR.I. GEN. LAWS ANN § 34-23-5 (West 2012)NoNoAdverse Action and Initial DisclosureRI Appraisal Fee Disclosure and Addendum to Statement of Credit Denial, Termination, or Change5102 and 15905 (Federal)A mortgage loanReal estatePrior to receiving an appraisal fee.R.I. GEN. LAWS ANN § 19-9-3 (West 2012)NoNoInitial DisclosureRI Addendum to Uniform Residential Loan Application5103A loan secured by an interest in real estateReal estateAt applicationR.I. GEN. LAWS ANN § 19-9-32 (West 2012)NoNoInitial DisclosureRI Prohibited Acts of Lenders and Loan Brokers11241A home loanReal estate with a 1-to-4 family dwelling used as the borrower’s principal residenceNo later than 3 business days of application.R.I. GEN. LAWS ANN §§ 34-25.2-1 through 34-25.2-15 (West 2012); R.I. CODE R. 11-2-3 App. 5, Form 1 (2013)YesYesInitial DisclosureRI Tangible Net Benefit11242A home loan which refinances a previous (home) loan which was consummated within the prior 60 monthsReal estate with a 1-to-4 family dwelling used as the borrower’s principal residencePrior to or upon consummation of the loanR.I. GEN. LAWS ANN §§ 34-25.2-1 through 34-25.2-15 (West 2012); R.I. CODE R. 11-2-3:5(A)(v) & App. 5, Form 3 (2013)YesYesInitial DisclosureRI High Cost Related Prohibited Acts of Lenders and Loan Brokers11408A high-cost home loanReal estate with a 1-to-4 family dwelling used as the borrower’s principal residenceNo later than 3 business days of application.R.I. GEN. LAWS ANN §§ 34-25.2-1 through 34-25.2-15 (West 2012); R.I. CODE R. 11-2-3:5(A)(iv) & App. 5, Form 2 (2013)YesYesInitial DisclosureRI Home Loan Protection Act Disclosure12089A high-cost home loanReal estate with a 1-to-4 family dwelling used as the borrower’s principal residenceUpon determination that a high-cost home loan is being obtained.R.I. GEN. LAWS ANN. §§ 34-25.2-1 through 34-25.2-15 (West 2012); R.I. CODE R. 11-2-3:5(D)(iii) & App. 5, Form 5 (2013)YesYesInitial DisclosureRI Form 4 HLPA12090A high-cost home loanReal estate with a 1-to-4 family dwelling used as the borrower’s principal residenceUpon determination that a high-cost home loan is being obtainedR.I. GEN. LAWS ANN. §§ 34-25.2-1 through 34-25.2-15 (West 2012); R.I. CODE R. 11-2-3:5(D)(iii) & App. 5, Form 4 (2013)YesYesAdverse ActionStatement of Credit Denial, Termination, or Change15858 (Federal)Credit for personal, family, or household purposesNot specifiedNot specifiedR.I. GEN. LAWS ANN. § 6-13.1-21(b) (West 2012)NoNoClosingHomestead Waiver on all RI Mortgages and RI Waiver of HomesteadOn 348, 401, 506, 2465, and 15329 (upon request)Not specified, but practically a purchase loanA homestead to the extent of $500,000Not specifiedR.I. GEN. LAWS ANN. § 9-26-4.1 (West 2012); R.I. CODE R. 11-2-3:5(F) (2012)NoNoClosingRI Notification to Buyers of Withholding Tax Requirement1028A purchase loanReal propertyNot specifiedR.I. GEN. LAWS ANN. § 44-30-71.3(d) (West 2012); R.I. CODE R. 60-1-140:1 (2012)NoNoClick here for Table of ContentsClick here for Table of ContentsSouth Carolina(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureAnti-Coercion Insurance Disclosure2778A financing of the purchase of real property, a lending of money on the security of the real property, or a renewal and extension of a loan or mortgageReal propertyNot specifiedS.C. CODE ANN. § 38-57-110 (2012)NoNoInitial DisclosureSC Mortgage Broker Fee Agreement for Financial Services3525Either: (1) a high-cost home loan; (2) a consumer home loan; or (2) a mortgage loanEither: (1) an owner-occupied, residential real estate containing a 1-to-4 family, owner-occupied structure; or (2) residential real property, consisting of one or more single-family, owner occupied dwellingsWithin 3 business days of receipt of an applicationS.C. CODE ANN. § 37-23-45, 37-23-75, 40-58-75, & 40-58-78(A) (2012); S.C. CODE ANN. REGS. 28-400(C)(2) (2013)YesNoInitial DisclosureSC Attorney and Insurance Preference Disclosure3848A loan secured by a lien on real estate for a personal, family, or household purpose, excluding a consumer loanReal estateNo later than 3 business days after applicationS.C. CODE ANN. § 37-10-102(a) (2012)NoNoInitial DisclosureNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan Application; All S.C. documentsOn 4193 and all other S.C. documentsA mortgage loanResidential real property, consisting of one or more single-family, owner occupied dwellings VariousS.C. CODE ANN. §§ 37-22-210(F) & 37-22-270(F) (2012); S.C. CODE ANN. REGS. 15-64 (2013)NoNoInitial DisclosureSC Borrower Complaints4694A mortgage loan, including a consumer home loanReal estate with a 1-to-4 family structure that is the borrower’s principal dwellingAt the time of applicationS.C. CODE ANN. § 37-23-70(D) (2012)YesNoClosingAssignment, Sale, or Transfer of Servicing21 (Federal)A consumer loan, which generally is a junior lien loanAn interest in landNot specifiedS.C. CODE ANN. § 37-3-406 (2012)NoNoClosingSC Notice to Cosigners1017A consumer loan, which generally is a junior lien loan An interest in landBefore or contemporaneously with signing any agreement of obligation.S.C. CODE ANN. § 37-3-303 (2012)YesNoInitial DisclosureSC Tangible Benefit Worksheet2889 (upon request)A consumer home loan that refinances within 42 months an existing consumer home loanReal estate with a 1-to-4 family structure that is the borrower’s principal dwellingNot specifiedS.C. CODE ANN. §§ 37-23-20(8) & 37-23-70(A) (2012)NoNoClick here for Table of ContentsClick here for Table of ContentsSouth Dakota(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureAnti-Coercion Insurance Disclosure2778A loan of money upon the security of any property or the renewal or extension of any loan or mortgageReal propertyNot specifiedS.D. CODIFIED LAWS § 58-33-31 (2012)NoNoClick here for Table of ContentsClick here for Table of ContentsTennessee(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureAdvanced Fee/Application Disclosure2783A residential mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is constructed or intended to be constructed a dwellingWhen a deposit is required in connection with an applicationTENN. CODE ANN. § 45-13-206(c) (West 2012)YesYesInitial DisclosureAnti-Coercion Insurance Disclosure2788A loan of money or extension of creditReal estatePrior to a sale of insuranceTENN. CODE ANN. § 56-8-106(a) through (d) (West 2012)YesYesInitial DisclosureTN Title Insurance Disclosure4167The purchase or sale of a fee simple possessory interestReal propertyAt or before the closing of settlementTENN. CODE ANN. § 56-35-133 (West 2012)YesNoInitial DisclosureNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn 4193A residential mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is constructed or intended to be constructed a dwellingOn the applicationTENN. CODE ANN. § 45-13-303(d) (West 2012)NoNoInitial DisclosureHigh Cost Tangible Net Benefit Worksheet15773 (upon request)A high-cost home loan that refinances, within 30 months, an existing home loan or high-cost home loanA 1-to-4 family structure that is or will be occupied by the borrower as his principal dwellingNot specifiedTENN. CODE ANN. § 45-20-103(4) (West 2012)NoNoInitial DisclosureTN High Cost Notice to Borrower13071A high-cost home loan A 1-to-4 family structure that is or will be occupied by the borrower as his principal dwellingAt least 3 business days prior to consummationTENN. CODE ANN. § 45-20-103(16) (West 2012)YesNoInitial DisclosureTN High Cost Home Loan Counseling Notice13072A high-cost home loan A 1-to-4 family structure that is or will be occupied by the borrower as his principal dwellingNot later than the time that the GFE is required to be given.TENN. CODE ANN. § 45-20-103(21) (West 2012)NoNoInitial DisclosureTN Commitment Letter15810A loan of money or extension of creditNot specifiedNot specifiedTENN. CODE ANN. § 29-2-101(b) (West 2012)Yes, if in form of promissory note and intended to be signed by the debtor but not the lender/creditorNo, if in form of promissory note and is intended to be signed by the debtor but not the lender/creditorInitial DisclosureTN Lock-In Agreement14675A residential mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is constructed or intended to be constructed a dwellingNot specified, but practically before a lock-in fee is chargedTENN. COMP. R. & REGS. 0180-17-.04 (2013)Yes, per Tenn. Code Ann. § 29-2-101(b) (West 2012)Yes, per Tenn. Code Ann. § 29-2-101(b) (West 2012)ClosingHigh-Cost Home Loan Legend on 3200 Note Fixed and TN Deed of Trust5 & 351A high-cost home loan A 1-to-4 family structure that is or will be occupied by the borrower as his principal dwellingAt closingTENN. CODE ANN. § 45-20-103(19) (West 2012)NoNoClosingAssignment, Sale, or Transfer of Servicing21 (Federal)A residential mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is constructed or intended to be constructed a dwellingAt least 10 calendar days before the first payment affected by the notice is dueTENN. COMP. R. & REGS. 0180-17-.03 (2013)No NoClick here for Table of ContentsClick here for Table of ContentsTexas(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature RequiredLender’s Signature RequiredInitial DisclosureAnti-Coercion Insurance Disclosure2778A loan or extension of creditPropertyNot specifiedTEX. INS. CODE ANN. § 556.051 (West 2011)NoNoInitial DisclosureAdvanced Fee/Application Disclosue2783A residential mortgage loanA dwelling (as defined by Section 103[v] of TILA) or residential real estate on which a dwelling is constructed or intended to be constructedNot specifiedTEX. FIN. CODE ANN. § 156.304(a) (West 2011)NoNoInitial DisclosureTX Mortgage Banker Disclosure2999A residential mortgage loanA dwelling (as defined by Section 103[v] of TILA) or residential real estate on which a dwelling is constructed or intended to be constructedAt applicationTEX. FIN. CODE ANN. § 157.007(a) (West 2011); 7 TEX. ADMIN. CODE § 81.200(a) (2013)NoNoInitial DisclosureDisclosure of Multiple Roles in a Consumer Real Estate Transaction3581A residential mortgage loanA dwelling (as defined by Section 103[v] of TILA) or residential real estate on which a dwelling is constructed or intended to be constructedBefore acting in a dual capacityTEX. FIN. CODE ANN. § 156.303(a)(13) (West 2011)YesNoInitial DisclosureTX Important Notice to Home Loan Borrowers3591A home loan with an interest rate of 12% or more a yearA manufactured home or real property improved by a 1-to-4 family dwelling which is used as the borrower’s principal residenceAt the time the GFE is given or, if RESPA does not apply to the loan, 3 business days after application.TEX. FIN. CODE ANN. § 343.102 (West 2011)NoNoInitial DisclosureTX Notice Concerning Extensions of Credit - Spanish3640A 50(a)(6) equity loanA homestead12 days before the loan is closedTEX. CONST. art. 16, § 50(g); 7 TEX. ADMIN. CODE § 153.51 (2013)NoNoInitial DisclosureTX Insurance Notice to Applicant3715A home loanA manufactured home or real property improved by a 1-to-4 family dwelling which is used as the borrower’s principal residenceNot later than 3 business days after receipt of application.TEX. FIN. CODE ANN. § 343.104 (West 2011)NoNoInitial DisclosureTX Residential Mortgage Loan Originator Disclosure3883A residential mortgage loanA dwelling (as defined by Section 103[v] of TILA) or residential real estate on which a dwelling is constructed or intended to be constructedWith an initial applicationTEX. FIN. CODE ANN. § 156.004 (West 2011); 7 TEX. ADMIN. CODE §§ 80.200(a) & 80.204(b)(1)(C) (2013)YesYesInitial DisclosureTX Disclosure Statement Required for Residential Construction4262Third-party financing pursuant to a residential construction contractA 1-to-4 unit residence that is used or intended to be used as a dwelling by one of the ownersBefore the date of closingTEX. PROP. CODE ANN. §§ 53.255(b) & 53.257(b) (West 2011)YesNoInitial DisclosureTX Notice Concerning Extensions of Credit4549A 50(a)(6) equity loanA homestead12 days before the loan is closedTEX. CONST. art. 16, § 50(g); 7 TEX. ADMIN. CODE § 153.51 (2013)NoNoInitial DisclosureTX Complaint Notice10735(upon request)Not specifiedA loan under Chapter 342, Title 4 of Texas’ Finance Code (a consumer loan)Not specifiedA 1-to-4 family dwellingWith each contract of a licenseeTEX. FIN. CODE ANN. § 14.104 (West 2011); 7 TEX. ADMIN. CODE § 90.105(b)(5) (2013)NoNoInitial DisclosurePrivacy Policy Notice15182 (Federal)Not specified.A loan under Chapter 342, Title 4 of Texas’ Finance Code (a consumer loan) Not specified.A 1-to-4 family dwellingWith any privacy notice required to be provided by Federal or Texas lawTEX. FIN. CODE ANN. § 11.307 (West 2011); 7 TEX. ADMIN. CODE §§ 11.37 & 90.105(b)(1) – (4) (2013)No NoInitial DisclosureTX Mortgage Company Conditional Approval Letter (Form B)16683 (upon request)A residential mortgage loanA dwelling (as defined by Section 103[v] of TILA) or residential real estate on which a dwelling is constructed or intended to be constructedNot specified, but practically when an application is approved on the basis of credit worthiness but not on collateralTEX. FIN. CODE ANN. § 156.105 (West 2011); 7 TEX. ADMIN. CODE § 80.201(b) (2013)NoYesInitial DisclosureTX Mortgage Banker Conditional Approval Letter (Form B)16682(upon request)A residential mortgage loanA dwelling (as defined by Section 103[v] of TILA) or residential real estate on which a dwelling is constructed or intended to be constructedNot specified, but practically when an application is approved on the basis of credit worthiness but not on collateralTEX. FIN. CODE ANN. § 156.105 (West 2011); 7 TEX. ADMIN. CODE § 81.201(b) (2013)NoYesInitial DisclosureTX Mortgage Company Conditional Qualification Letter (Form A)16685(upon request)A residential mortgage loanA dwelling (as defined by Section 103[v] of TILA) or residential real estate on which a dwelling is constructed or intended to be constructedNot specified, but practically when a conditional qualification is establishedTEX. FIN. CODE ANN. § 156.105 (West 2011); 7 TEX. ADMIN. CODE § 80.201(a) (2013)NoYesInitial DisclosureTX Mortgage Banker Conditional Qualification Letter (Form A)16684 (upon request)A residential mortgage loanA dwelling (as defined by Section 103[v] of TILA) or residential real estate on which a dwelling is constructed or intended to be constructedNot specified, but practically when a conditional qualification is establishedTEX. FIN. CODE ANN. § 156.105 (West 2011); 7 TEX. ADMIN. CODE § 81.201(a) (2013)NoYesClosingTruth-in-Lending Disclosure and Truth-in-Lending Total Payments ItemizationOn 18 15444A loan under Chapter 342, Title 4 of Texas’ Finance Code (a consumer loan) A 1-to-4 family dwellingBefore taking a loan obligationTEX. FIN. CODE ANN. § 342.505 (West 2011)NoNoClosingNotice of Confidentiality Rights on TX Deed of TrustOn 352Not specifiedReal propertyNot specified, but practically at closingTEX. PROP. CODE ANN. § 11.008(c) (West 2011)NoNoClosingTX Collateral Protection Act Notice1015A credit transaction for which a credit agreement existsReal propertyAt the time the credit agreement is executedTEX. FIN. CODE ANN. § 307.052(a) (West 2011)NoNoClosingTX Home Equity Affidavit of Fair Market Value of Homestead Property3653A 50(a)(6) equity loanA homesteadOn the date the extension of credit is madeTEX. CONST. art. 16, § 50(a)(6)(Q)(ix) YesYesClosingTX Notice of No Oral Agreements3682A loan agreement in which the amount of the loan exceeds $50,000Not specifiedIn or with the loan agreementTEX. BUS. & COM. ANN. § 26.02(e)-(f) (West 2011)YesYesClosingTX Affidavit of Reasonable Costs on Homestead Property Refinance3684A loan which refinances any loans described in Tex. Const. art. 16, § 50(a)(1) through (a)(5), which includes an advance of additional fundsA homesteadNot specifiedTEX. CONST. art. 16, § 50(e)(2); 7 TEX. ADMIN. CODE § 153.41 (2013)No NoClosingTX Home Equity Owner’s Affidavit Acknowledging Lender’s Compliance and HUD-1 01-01-105010 and 14222 (latter Federal)A 50(a)(6) equity loanA homesteadOne business day before closingTEX. CONST. art. 16, § 50(a)(6)(M)(ii); 7 TEX. ADMIN. CODE § 153.13 (2013)Yes, when documentation is provided on date of closing due to good cause or a bona fide emergencyNoClosingTX Home Equity Discount Point Acknowledgment5029A 50(a)(6) equity loanA homesteadNot specifiedTEX. CONST. art. 16, § 50(a)(6)(E); 7 TEX. ADMIN. CODE § 153.5 (2013)NoNoClosingTX Home Equity Election Not to Rescind9522A 50(a)(6) equity loanA homesteadAt closingTEX. CONST. art. 16, § 50(a)(6)(Q)(viii);7 TEX. ADMIN. CODE § 153.25 (2013)NoNoClosingTexas Veterans Land Board Take-Out Loan Affidavit7768A take-out loanA single dwelling homeAt closingTexas Veterans’ Land BoardYesNoClosingTX Notice of Penalties for Making False or Misleading Statements12309Either: (1) a home loan; or (2) a residential mortgage loanEither: (1) a manufactured home or real property improved by a 1-to-4 family dwelling which is used as the borrower’s principal residence; or (2) a dwelling (defined by Section 103[v] of TILA) or residential real estate which has or shall have a dwellingAt closingTEX. FIN. CODE ANN. § 343.105 (West 2011); 7 TEX. ADMIN. CODE §§ 80.204(b)(1)(E) (2013)YesNoClosingSpanish Truth-in-Lending Disclosure14389A loan under Chapter 342, Title 4 of Texas’ Finance Code (a consumer loan) or a home equity loan regulated by the Texas Office of Consumer Credit CommissionerA 1-to-4 family dwellingNo later than consummation of the loan contractTEX. FIN. CODE ANN. § 341.502(a)(a-1) (West 2011); 7 TEX. ADMIN. CODE § 90.701 (2013)NoNoClosingTX Disclosure of Servicing Complaints16006(upon request)A residential mortgage loanA dwelling or residential real estate, which has either: (1) a dwelling, as defined under Section 103(v) of TILA; or (2) a 1-to-4 family dwelling Not later than the 30th day after the registrant commences servicing the loan.TEX. FIN. CODE ANN. §§ 157.007(b) & 158.101 (West 2011)NoNoClick here for Table of ContentsClick here for Table of ContentsUtah(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureAnti-Coercion Insurance Disclosure2778An extension of creditNot specifiedAt the time of written application or, if there is no written application, before closingUTAH CODE ANN. §§ 31A-23a-402(5) & 31A-23a-416 (West 2012)NoNoInitial DisclosureAdvanced Fee/Application Disclosure2783A mortgage loan of more than two yearsNot specifiedAt the time a fee or deposit is acceptedUTAH CODE ANN. § 70D-2-305 (West 2012)YesNoInitial DisclosureUT High Cost Home Loan Disclosures3774A high-cost mortgageA borrower’s principal dwellingNo less than 3 business days prior to consummationUTAH CODE ANN. § 61-2d-105 (West 2012)NoNoInitial DisclosureUT Loan Notice15693A mortgage loan of more than two yearsNot specifiedAt the time of receipt or preparation of the written applicationUTAH CODE ANN. § 70D-2-302 (West 2012)NoNoClosingRESPA Legend on UT Deeds of TrustOn 353, 406, 511, & 1398A federally-related mortgage loan subject to RESPAResidential property consisting of 1-to-4 family unitsAt recordingUTAH CODE ANN. § 17-21-18.5(4)(b) (West 2012)NoNoClosingUT Disclosure of Servicer1001A mortgage loan of more than two yearsNot specifiedAt the time of closingUTAH CODE ANN. § 70D-2-303 (West 2012)NoNoClick here for Table of ContentsClick here for Table of ContentsVermont(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureAnti-Coercion Insurance Disclosure2778A loan of money or extension of creditNot specifiedNot specifiedVT. STAT. ANN. tit. 8, § 4725 (West 2012)NoNoInitial DisclosureVT Broker/Prospective Borrower Agreement3594A mortgage loanReal property or real estateBefore taking any fee or at the time a signed application is submittedVT. STAT. ANN. tit. 8, § 2219 (West 2012); 4-2 VT. CODE R. §§ 3:4 & Appendix (2013)YesYesInitial DisclosureVT High Rate/High Point Notices3708A high rate, high point loan, which is secured by a first lien on residential real estate and consists of fees and points over a certain threshold.Residential real estateGiven in conjunction with the GFE, or when the borrower is notified that the lender will only offer this type of loanVT. STAT. ANN. tit. 9, § 104 (West 2012); 4-2 VT. CODE R. § 6 (2013)NoNoInitial DisclosureVT Mortgage Loan Commitment Agreement4671Either: (1) a loan secured by a lien against real estate; or (2) a loan secured by a first lien on owner occupied residential real estateReal estate used as the borrower’s residence and owner occupied residential real estateNo less than 24 hours prior to closing (some exceptions apply)VT. STAT. ANN. tit. 9, § 103 (West 2012); 4-2 VT. CODE R. §§ 5:3 & 5:4 (2013)NoNoInitial DisclosureVT Application Capacity Notice4816A mortgage loanReal estateIn advance of taking any fee or at the time an application is submittedVT. STAT. ANN. tit. 8, § 2220 (West 2012)NoNoInitial DisclosureVT Addendum to Uniform Residential Loan Application5107Not specifiedNot specifiedNot specified, but practically at applicationVT. STAT. ANN. tit. 15, § 1204; Dept. of Banking, Insurance, Securities, and Health Care Administration Bulletin No. 23NoNoInitial Disclosure and ClosingCertification and Authorization13CreditNot specifiedBefore obtaining a credit reportVT. STAT. ANN. tit. 9, § 2480e (West 2012); 3-2 VT. CODE R. § 110:CF-112.03 (2013)Yes NoInitial Disclosure, TILA ReDisclosure, ClosingItemization of Amount Financed 01-01-1014644A loanNot specifiedIn advance of any loan closingVT. STAT. ANN. tit. 8, § 2232a(b) (West 2012)NoNoClosingCo-signer Notice on 3200 Note Fixed, FHA Note Fixed, and VA 3200 Note FixedOn 5 (FNMA), 36 (FHA), and 58 (VA)An obligationNot specifiedWith the instrument evidencing the obligationVT. STAT. ANN. tit. 9, § 102 (West 2012)NoNoClosingHUD-1 01-01-1014222 (Federal)A loanNot specifiedAt the time the loan is madeVT. STAT. ANN. tit. 8, § 2232a(a) (West 2012)NoNoClick here for Table of Contents Click here for Table of ContentsVirginia(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureVA Insurance Disclosure3577Not specified.A loan or extension of creditPersonal household property.Not specified.Before offering, selling, or requiring insurance when an application is pending.VA. CODE ANN. §§ 38.2-233(B) & 38.2-513.1(A)(9) (West 2013)NoNoInitial DisclosureVA Notice3592A mortgage loan used to purchase real estate1-to-4 family residential property and real estateAt the time broker services are first offeredVA. CODE ANN. § 6.2-1616(B)(5) (West 2013)YesNoInitial DisclosureLoan Broker Agreement3841A mortgage loan1-to-4 family residential propertyNot specifiedVA. CODE ANN. § 6.2-1616(B)(4) (West 2013)YesNoInitial DisclosureVA Choice of Settlement Agent Notice5101A purchase loanReal estate consisting of 1-to-4 residential dwelling unitsIn all contracts involving the purchase of real estate.VA. CODE ANN. § 55-525.23 (West 2013)NoNoInitial DisclosureVA Notification to Mortgage Loan Applicants5111A loan secured by a primary mortgage or deed of trustOwner-occupied residential real estate consisting of 1-to-4 family dwelling unitsAt the time an application is submitted by the loan applicantVA. CODE ANN. § 6.2-406 (West 2013)NoNoInitial DisclosureAffiliated Business Disclosure11413 (Federal)Debt to a lender, secured by a first mortgage or deed of trust on real estateReal estate containing 1-to-4 residential dwelling unitsBefore entering into an arrangement with an affiliated businessVA. CODE ANN. § 55-525.13 (West 2013)NoNoInitial DisclosureTangible Net Benefit Worksheet12531 (upon request)A refinance of a mortgage loan by another mortgage loan1-to-4 family residential propertyNot specifiedVA. CODE ANN. § 6.2-1614(7) (West 2013)NoNoInitial DisclosureVA Lock-In Agreement14674A mortgage loan1-to-4 family residential propertyNot specified10 VA. ADMIN. CODE §§ 5-160-10 & 5-160-30(B) (2012)YesYesInitial DisclosureVA Mortgage Loan Commitment Agreement14686A mortgage loan1-to-4 family residential propertyNot specified10 VA. ADMIN. CODE §§ 5-160-10 & 5-160-30(A) (2012)YesYesInitial Disclosure and ClosingAll TILA Disclosures18, 1591, and all other TILA DisclosuresConsumer credit or a mortgage loanNot specified.1-to-4 family residential propertyVarious timesVA. CODE ANN. §§ 6.2-436 & 6.2-1615 (West 2013)NoNoClosingAmount of Consideration on VA Deed of Trust354A purchase loanLands, tenements, or other realtyAt recordingVA. CODE ANN. § 58.1-802 (West 2013)NoNoClosingHUD-1 01-01-1014222 (Federal)A mortgage loan1-to-4 family residential propertyPrior to the closing of a mortgage loanVA. CODE ANN. § 6.2-1615 (West 2013)NoNoClick here for Table of ContentsClick here for Table of ContentsWashington(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureWA Broker Application Disclosure2655A residential mortgage loanResidential real estate upon which is (or is intended to be) constructed a dwelling of 1-to-4 unitsWithin 3 business days of a receipt of an application.WASH. REV. CODE ANN. § 19.146.030(2) & (4) (West 2013); WASH. ADMIN. CODE § 208-620-510(4) (2013)NoNoInitial DisclosureAnti-Coercion Insurance Disclosure2778A debt or loanNot specifiedNot specifiedWASH. REV. CODE ANN. § 48.30.260 (West 2013)NoNoInitial DisclosureWA Appraisal Notification on Purchase Money Mortgages2791A purchase money residential mortgage loanResidential real property upon which is (or is intended to be) a 1-to-4 family dwellingPrior to closingWASH. REV. CODE ANN. § 19.149.020 (West 2013)NoNoInitial DisclosureWA Interest Rate Lock Agreement2792A residential mortgage loanResidential real estate upon which is (or is intended to be) constructed a dwelling of 1-to-4 unitsWithin 3 business days of a receipt of a loan applicationWASH. REV. CODE ANN. §§ 19.146.010(13) & 19.146.030(2)(c) (West 2013); WASH. ADMIN. CODE § 208-620-510(3) & (4) (2013)Yes(?)YesInitial DisclosureWA Conflict of Interest Disclosure3705A residential mortgage loanEither: (1) residential real estate upon which is (or is intended to be) constructed a dwelling of 1-to-4 units; or (2) a dwelling (as defined under Section 103[v] of TILA) or residential real estate upon which is (or will be) a dwellingPrior to providing mortgage servicesWASH. REV. CODE ANN. § 19.146.0201(14)(b) (West 2013); WASH. ADMIN. CODE § 208-660-300(7) (2013)NoNoInitial DisclosureWA Disclosure Receipt3747A loanReal propertyNot specifiedWASH. ADMIN. CODE § 208-620-510(2) (2013)NoNoInitial DisclosureLoan Brokerage Agreement3841A residential mortgage loanResidential real property upon which is (or will be constructed) a 1-to-4 family dwellingNot specifiedWASH. REV. CODE ANN. § 19.146.040 (West 2013); WASH. ADMIN. CODE § 208-660-430(23) (2013)YesYesInitial DisclosureAddendum to Loan Application13441Not specifiedNot specifiedNot specifiedWASH. REV. CODE ANN. §§ 26.04.010 & 26.60.010 through 26.60.901 (West 2013)NoNoInitial DisclosureWA Disclosure Summary orRESPA Disclosures 13539 (upon request) or 14221 and other RESPA Disclosures (Federal)A residential mortgage loan or a consumer loanResidential real property upon which is (or will be constructed) a 1-to-4 family dwelling, or real propertyWithin 3 business days following receipt of an application.WASH. REV. CODE ANN. §§ 19.144.020 & 31.04.102 (West 2013); WASH. ADMIN. CODE §§ 208-600-200, 208-620-510(4), 208-660-430(4)(b) (2013)No NoClosingPMI Disclosure29, 862, 4668, 14292, 14293, & 14294A residential mortgage transactionAn owner-occupied, 1-to-4 unit residential real propertyAt the time a transaction is entered intoWASH. REV. CODE ANN. § 61.10.020(1)(West 2013)NoNoClosingWA Oral Agreement Notice12751A loan of money or extension of creditNot specifiedIn documents relating to the credit agreement.WASH. REV. CODE ANN. § 19.36.140 (West 2013)NoNoClick here for Table of ContentsClick here for Table of ContentsWest Virginia(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureAnti-Coercion Insurance Disclosure2778A consumer loanReal propertyNot specifiedW. VA. CODE ANN. § 46A-3-109(b)(4) & (b)(5) (West 2012)NoNoInitial DisclosureWV Tangible Net Benefit Worksheet3849A primary mortgage loan or a subordinate mortgage loan, or a consumer loanA dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which is constructed a dwelling, or landNot specifiedW. VA. CODE ANN. §§ 31-17-8(d) & 46A-4-111(2) (West 2012)Yes, per form Yes, per formInitial DisclosureNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn 4193A residential mortgage loanA dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which is constructed a dwellingWith the applicationW. VA. CODE ANN. § 31-17A-18 (West 2012)NoNoInitial DisclosureWest Virginia Fees and Services Disclosure4827 (upon request)An extension of creditNot specifiedBefore executing a contract with a buyer or receiving any moneyW. VA. CODE ANN. § 46A-6C-6 (West 2012)NoNoClosingTruth-in-Lending Disclosure and Truth-in-Lending Total Payments Itemization18 and other closing TILs and 15444A primary mortgage loan or a subordinate mortgage loanA dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which is constructed a dwellingAt the time of closingW. VA. CODE ANN. § 31-17-9(a) (West 2012)NoYesClosing3260 Note Balloon, 3180 Rider Balloon, and Fixed Rate Note West Virginia Second230, 752, and 1081A consumer loanLandWith any writing purporting to contain the agreement of the parties (closing)W. VA. CODE ANN. § 46A-2-105NoNoClosingWV Collateral Protection Insurance Disclosure1000A consumer credit transactionCollateral, which includes real propertyWith the credit agreement (closing)W. VA. CODE ANN. § 46A-3-109a(b)(3) (West 2012)NoNoClosingWV Notice to Cosigners1018A consumer loanLandBefore a cosigner signs any instrument evidencing the transaction.W. VA. CODE ANN. § 46A-2-104 (West 2012)NoNoClick here for Table of ContentsClick here for Table of ContentsWisconsin(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial DisclosureAnti-Coercion Insurance Disclosure2778A financing of the purchase of the property or a lending of money secured by the propertyReal or personal propertyNot specifiedWIS. STAT. ANN. § 134.10(1) (West 2013)NoNoInitial DisclosureAdvanced Fee/Application Disclosure2783A loan, which is a primary lienA 1-to-4 family dwelling used as the borrower’s principal residenceBefore accepting an application or fee in connection with the loan.WIS. STAT. ANN. § 138.052(7e)(b) (West 2013); WIS. ADMIN. CODE DFI-BKG § 43.02(11) (2013) NoNoInitial DisclosureWI Adjustable Rate Mortgage Information Statement3951A variable rate loan, which is a primary lienA 1-to-4 family dwelling used as the borrower’s principal residenceBefore making a variable rate loan.WIS. STAT. ANN. § 138.056(6) (West 2013)NoNoInitial DisclosureHigh Cost Tangible Net Benefit Worksheet15773 (upon request)A covered loan that refinances another covered loan, which is a first lien with an amount financed of $25,000 or lessResidential real property that is or will be occupied by the customer as a principal dwellingNot specifiedWIS. STAT. ANN. § 428.203(7) (West 2013)NoNoInitial DisclosureGood Faith Estimate 01-01-10 & WI Loan Commitment14221 (Federal) and 15918A residential mortgage loanA dwelling (as defined in 15 USCA § 1602[v]) or residential real propertyAt the time of or prior to the issuance of a loan commitmentWIS. ADMIN. CODE DFI-BKG §§ 40.01(5) & (6) and 43.02(12) & (13) (2013)NoYesInitial DisclosureWI Consumer Disclosure Statement14546A residential mortgage loanA dwelling (as defined in 15 USCA § 1602[v]) or residential real propertyBefore entering into a brokerage services contract.WIS. STAT. ANN. § 224.79(2) (West 2013); WIS. ADMIN. CODE DFI-BKG § 44.02 (2013)YesNoInitial DisclosureWI Mortgage Broker Agreement14547A residential mortgage loanA dwelling (as defined in 15 USCA § 1602[v]) or residential real propertyNot specified, but practically before engaging in broker servicesWIS. STAT. ANN. § 224.79(1) (West 2013); WIS. ADMIN. CODE DFI-BKG § 44.01 (2013)YesYesInitial Disclosure and ClosingWI ARM Prepayment Penalty Notice9109A variable rate loan, which is a primary lienA 1-to-4 family dwelling used as the borrower’s principal residenceBy the time of the offer of the loanWIS. STAT. ANN. § 138.056(3m)(a) (West 2013)YesNoInitial Disclosure, Processing, Underwriting, and ClosingNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn 4193A residential mortgage loanA dwelling (as defined in 15 USCA § 1602[v]) or residential real propertyWith the applicationWIS. STAT. ANN. § 224.73(4)(a) & (b) (West 2013)NoYes, for mortgage loan applicationsClosingWI Mortgage Second & Fixed Rate Note Wisconsin Second515 & 1080A consumer credit transaction, which is a junior lien and the amount financed is $25,000 or lessReal or personal propertyWith the writing evidencing the customer’s obligation to pay (closing)WIS. STAT. ANN. § 422.303(3) (West 2013)NoNoClosingNotice to Spouse of Extension of Credit by Copy of Security Instrument515 & 1353A credit transaction governed by the Wisconsin Consumer Act (Wis. Stat. Ann. ch. 421 through 427), which is a junior lien and the amount financed is $25,000 or lessReal or personal propertyBefore any payment is due under the transactionWIS. STAT. ANN. § 766.56(3)(b) (West 2013)NoNoClosingWI Property Tax Escrow Option1023A loan, which is a primary lienA 1-to-4 family dwelling used as the borrower’s principal residenceBefore closingWIS. STAT. ANN. § 138.052(5m)(b) (West 2013)NoNoClosingWI Explanation of Personal Obligation16043 (upon request)A consumer credit transaction, which is a junior lien and the amount financed is $25,000 or lessReal or personal propertyAt the same time of signing a separate instrumentWIS. STAT. ANN. § 422.305(1) (West 2013)Yes, if not receiving copies of signed documentsNoClick here for Table of ContentsClick here for Table of ContentsWyoming(Package Type)Proper Name of DisclosureGeneric Cx NumberLoan TypePropertyTiming RequirementLegal ReferenceBorrower’s Signature Required?Lender’s Signature Required?Initial Disclosure Anti-Coercion Insurance Disclosure2778Either: (1) a loan of money; or (2) a consumer loan, which is generally a junior lien with a finance charge exceeding 18%Either: (1) real or personal property; or (2) land or a dwelling consisting of 1-to-4 units which may or may not be attached to real propertyTo be given promptly.WYO. STAT. ANN. §§ 26-13-118 & 40-14-409 (West 2012)NoNoInitial DisclosureWY Mortgage Broker Agreement13452A residential mortgage loan, which is a primary lienA dwelling, consisting of 1-to-4 units, whether attached to real property or not, or residential real estate upon which is constructed a dwellingWithin 3 business days of a borrower signing an application, but before he sends any consideration to the licenseeWYO. STAT. ANN. § 40-23-114 (West 2012)YesYesInitial DisclosureGood Faith Estimate 01-01-10 & Explanation of Fee Increase14221 (Federal) & TBDA residential mortgage loan, which is a primary lienA dwelling, consisting of 1-to-4 units, whether attached to real property or not, or residential real estate upon which is constructed a dwellingNo less than 3 business days prior to closingWYO. STAT. ANN. § 40-23-114(d)(ii) (West 2012)NoNoInitial DisclosureWY Commitment/Lock-in Agreement15904A mortgage loan (aka a residential mortgage loan), which is a primary lienA dwelling, consisting of 1-to-4 units, whether attached to real property or not, or residential real estate upon which is constructed a dwellingWhen the broker has obtained a commitment or lock-in from the lender on behalf of the borrowerWYO. STAT. ANN. § 40-23-115(a) (West 2012)NoNoInitial DisclosureCost of Insurance Disclosure16488 (upon request)A consumer loan, which is generally a junior lien with a finance charge exceeding 18%Land or a dwelling consisting of 1-to-4 units which may or may not be attached to real propertyNot specified, but practically before charges for additional insurances are made WYO. STAT. ANN. § 40-14-311(b)(i) & (ii) (West 2012)Yes, if life, accident, or health coverage is being purchasedNoInitial Disclosure and ClosingAll Truth-in-Lending Disclosures18, 1591, and all other TILA DisclosuresA consumer loan, which is generally a junior lienLand or a dwelling consisting of 1-to-4 units which may or may not be attached to real propertyVarious timesWYO. STAT. ANN. § 40-14-320 (West 2012)NoNoInitial Disclosure, Processing, Underwriting, and ClosingNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn 4193A residential mortgage loan, which is a consumer loan that generally is a junior lien with a finance charge exceeding 18%A dwelling, consisting of 1-to-4 units, whether attached to real property or not, or residential real estate upon which is constructed a dwellingWith the loan applicationWYO. STAT. ANN. § 40-14-649 (West 2012)NoNoClick here for Table of Contents ................
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