Docutech l ConformX Dynamic Loan Document Generation



STATE DISCLOSURESLegal 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: June, 201331750530860Lists all of the document packages in which the document will print 00Lists all of the document packages in which the document will print 4455042541817The terms “Constitutional,” “Statutory,” or “Administrative” indicate that the language of the disclosure is prescribed by law. Adjectives preceding either of these terms indicate the extent to which the language is prescribed. If no adjective, the entire language of the form is prescribed by law.Other terms refer to either official or model forms prescribed by either a federal or state government agency. 00The terms “Constitutional,” “Statutory,” or “Administrative” indicate that the language of the disclosure is prescribed by law. Adjectives preceding either of these terms indicate the extent to which the language is prescribed. If no adjective, the entire language of the form is prescribed by law.Other terms refer to either official or model forms prescribed by either a federal or state government agency. 1775637541817Words in italics indicate that the document will print either when the lender is acting as a broker, as a lender, or as either (both).00Words in italics indicate that the document will print either when the lender is acting as a broker, as a lender, or as either (both).Matrix GuideUnited States(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredProcessing and ClosingU.S. Constitution1 (Federal)All government agenciesBothCredit extended on full faith and creditGovernment landsBefore any laws are madeU.S. Const. art. 1 through 34Constitution of the United States of AmericaConstitutional-23751121400“UR” or “Upon Request” refers to generic documents which will only print if requested. Other words in parenthesis indicate whether the particular disclosure is a Federally required, Federal Agency, or Government Sponsored Enterprise documentDocuments are first sorted by Package Type, starting with earlier packages (e.g. Initials before Closings). Documents which print in multiple packages are listed before Closing packages. Documents are then sorted based on their ConformX number.00“UR” or “Upon Request” refers to generic documents which will only print if requested. Other words in parenthesis indicate whether the particular disclosure is a Federally required, Federal Agency, or Government Sponsored Enterprise documentDocuments are first sorted by Package Type, starting with earlier packages (e.g. Initials before Closings). Documents which print in multiple packages are listed before Closing packages. Documents are then sorted based on their ConformX number.7772400128167References applicable laws and contains a link to an official (or officially sponsored) law library.The text in italics is the official Short Title which at least one of the cited laws is a part (or under which an administrative law is made pursuant to).00References applicable laws and contains a link to an official (or officially sponsored) law library.The text in italics is the official Short Title which at least one of the cited laws is a part (or under which an administrative law is made pursuant to).Table of ContentsClick Text to Jump to PageAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingClick here for Table of ContentsAlabama(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureAnti-Coercion Insurance DisclosureCx2778A creditor licensed under the Alabama “Mini-Code”BothA consumer credit transaction (aka a consumer loan)Property in which the creditor is given a security interestNot specifiedAla. Code § 5-19-20(e) (2012)Alabama “Mini-Code”NoInitial DisclosureAL Mortgage Broker AgreementCx4068A licensee under the Mortgage Brokers Licensing ActBrokersA mortgage loan1- to 4- family residential real estatePrior to the collection of a mortgage broker feeAla. Code § 5-25-12(a)(1) (2012) Mortgage Brokers Licensing ActNoInitial DisclosureAL Commitment AgreementURA lenderLendersA mortgage loan1-to-4 family residential real estateBefore a mortgage broker collects any mortgage broker feesAla. Code §§ 5-25-2(2) and 5-25-12(b)(3) & (b)(5)Mortgage Brokers Licensing ActNoInitial Disclosure, Processing, Underwriting, & ClosingNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn Cx4193 (FNMA/FHLMC)Any person originating a residential mortgage loanBothA residential mortgage loanA dwelling (as defined in Section 103[v] of TLIA) or residential real estate upon which is (or is intended to be) constructed a dwelling.On the applicationAla. Code § 5-26-20 (2012)Alabama S.A.F.E. Mortgage Licensing Act of 2009FNMA 1003 Form - Uniform Residential Loan ApplicationClosingCaution Notice in 3200, FHA, and VA 3200 Note Fixed, Fixed Rate Note Alabama Second, and other NotesOn Cx5 (FNMA/FHLMC), Cx36 (FHA), Cx58, Cx1033 and other NotesA creditor licensed under the Alabama “Mini-Code”BothA consumer credit transaction (aka a consumer loan)Property in which the creditor is given a security interestAt closingAla. Code § 5-19-6(a) (2012)Alabama “Mini-Code”StatutoryFNMA Form 3200ClosingAL FHA Addendum to Wood Infestation Inspection ReportCx1260 (upon request)Not specifiedBothNot specifiedPropertyNot specifiedAla. Admin. Code r. 80-10-9-.18 (2013)NoClick here for Table of ContentsClick here for Table of ContentsAlaska(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureAK Anti-Coercion Insurance DisclosureCx3842Either: (1) a creditor or lender; or (2) a personBothEither: (1) a debt or loan; or (2) a loan of money or extension of creditEither: (1) real or personal property of every kind and of every interest therein; or (2) propertyNot specifiedAlaska Stat. §§ 21.36.160 & 21.36.319 (West 2012)NoInitial DisclosureTangible Net Benefit WorksheetCx12531(upon request)A “covered person,” who is either licensed under the Alaska Secure and Fair Enforcement for Mortgage Licensing Act of 2010 or the Alaska Small Loans Act (Alaska Stat. §§ 06.20.010 through 06.20.920))BothA refinance of a mortgage loan (aka a residential mortgage loan)A dwelling (a residential structure containing 1-to-4 family housing units, or a condo or coop) or residential real estate, upon which a dwelling is (or is intended to be) constructed, including affixed manufactured homesNot specifiedAlaska Stat. § 06.60.350 (West 2012)Alaska Secure and Fair Enforcement for Mortgage Licensing Act of 2010NoClosingNotice of Suit in 3200, FHA, and VA 3200 Note Fixed, Fixed Rate Note Alaska Second, and other NotesCx5 (FNMA/FHLMC), Cx36 (FHA), Cx58, Cx1032, and other NotesA lenderBothAn obligation secured by a mortgage or deed of trustNot specifiedOn the promissory noteAlaska Stat. § 34.20.160 (West 2012)StatutoryFNMA Form 3200ClosingAK Loan StatementCx14786A licensee under the Alaska Small Loans ActBoth A small loan which has a principal amount of $25,000 or less and which has a greater rate of interest than otherwise permitted under the Small Loans ActNot specifiedAt the time the loan is madeAlaska Stat. § 06.20.270 (West 2012) Alaska Small Loans ActNoClosingAlaska Escrow Account AgreementCx16005 (upon request)A “covered person,” who is either licensed under the Alaska Secure and Fair Enforcement for Mortgage Licensing Act of 2010 or the Alaska Small Loans Act (Alaska Stat. §§ 06.20.010 through 06.20.920))BothA refinance of a mortgage loan (aka a residential mortgage loan)A dwelling (a residential structure containing 1-to-4 family housing units, or a condo or coop) or residential real estate, upon which a dwelling is (or is intended to be) constructed, including affixed manufactured homesNot specifiedAlaska Stat. § 06.60.360 (West 2012)Alaska Secure and Fair Enforcement for Mortgage Licensing Act of 2010NoClick here for Table of ContentsClick here for Table of ContentsArizona(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureAZ Authorization to Complete Blank SpacesCx2779Either: (1) a mortgage broker licensed under Article 1, Chapter 9, Title 6 of Arizona’s Revised Statutes; or (2) a mortgage banker licensed under Article 2 of the same ChapterBothA mortgage banking loan or a mortgage loanReal estateClosingAriz. Rev. Stat. Ann. §§ 6-909(A) & 6-947(A) (2012); Ariz. Admin. Code R20-4-921 & R20-4-1808 (2012)AdministrativeInitial DisclosureAdvanced Fee/Application Disclosure and Good Faith Estimate 01-01-10Cx2783 and Cx14221 (Federal)Either: (1) a mortgage broker licensed under Article 1, Chapter 9, Title 6 of Arizona’s Revised Statutes; or (2) a mortgage banker licensed under Article 2 of the same ChapterBothEither: (1) a mortgage loan of $200,000 or less; or (2) a mortgage banking loan or mortgage loanReal estateBefore accepting any monies or documents in connection with an application or before collecting any other advance feeAriz. Rev. Stat. Ann. §§ 6-906(c), 6-909(k), & 6-946(c) (2012)12 CFR Pt. 1024, App. AInitial DisclosureAnti-Coercion Insurance DisclosureCx2788Either: (1) a mortgage broker licensed under Article 1, Chapter 9, Title 6 of Arizona’s Revised Statutes; (2) a mortgage banker licensed under Article 2 of the same Chapter; or (3) a person engaged in the business of financing or lending money on real propertyBothA loan secured by real propertyReal estate and real propertyNot specifiedAriz. Rev. Stat. Ann. §§ 6-909(P), 6-947(O), 20-452.01, 20-452.02, & 20-452.03 (2012)NoInitial DisclosureDisclosure of Multiple Roles in a Consumer Real Estate TransactionCx3581Either: (1) a mortgage broker licensed under Article 1, Chapter 9, Title 6 of Arizona’s Revised Statutes, who also renders services as a real estate broker or salesman; or (2) a mortgage banker licensed under Article 2 of the same Chapter, who also renders services as a real estate broker or salesmanBothA mortgage banking loan or a mortgage 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)NoInitial Disclosure & Adverse ActionAppraisal DisclosureCx3397Either: (1) a mortgage broker licensed under Article 1, Chapter 9, Title 6 of Arizona’s Revised Statutes; or (2) a mortgage banker licensed under Article 2 of the same ChapterBothA mortgage banking loan or a mortgage loanReal estateNot specifiedAriz. Rev. Stat. Ann. §§ 6-906(c) & 6-946(c) (2012)NoClick here for Table of ContentsClick here for Table of ContentsArkansas(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureRight to Choose AttorneyCx3846A creditor BothA high-cost home loanReal estate upon which there is a 1-to-4 family structure which is or which will be occupied by the borrower as his principal dwellingNot specifiedArk. Code Ann. § 23-53-103(6)(B)(ii)(h) (West 2012)Arkansas Home Loan Protection ActNoInitial DisclosureTangible Net Benefit WorksheetCx12531 (upon request)Either: (1) a person; or (2) a creditorBothEither: (1) a mortgage loan transaction which refinances a residential mortgage loan; or (2) a high-cost home loan which refinances an existing home loanEither: (1) a dwelling (as defined in 15 USCA § 1602[w], as it existed on January 1, 2011) or residential real estate upon which is (or is intended to be) constructed a dwelling; or (2) real estate upon which there is a 1-to-4 family structure which is (or will be) borrower-occupied as a principal dwellingNot specifiedArk. Code Ann. §§ 23-39-513(10) & 23-53-104(b) (West 2012)Fair Mortgage Lending Act and Arkansas Home Loan Protection ActNoInitial DisclosureAR Anti-Coercion Insurance DisclosureCx17018Either: (1) a savings and loan association, financial institution, national bank, mortgage company, or any public or provide mortgagee; (2) a person, including depository institutions and affiliates, primary and secondary mortgagees, vendors, or lenders; or (3) depository institutions and unaffiliated third parties conducting the insurance sales activities on behalf of a depository institutionBothEither: (1) a mortgage loan; (2) credit; or (3) a loan or extension of creditPropertyPrior to the sale of most, but not all, insurancesArk. Code Ann. §§ 23-32-206, 23-66-312, 23-66-605, & 23-66-606 (West 2012)Insurance Sales Consumer Protection ActNoAdverse ActionAddendum to Statement of Credit Denial, Termination, or ChangeCx15905A user of a consumer report (aka a creditor)BothCredit, an extension of existing credit, or increase in existing creditNot specifiedWhen credit is denied either in whole or in partArk. Code Ann. §§ 4-93-103 & 4-93-104 (West 2012)NoInitial Disclosure, Processing, Underwriting, and ClosingNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn Cx4193 (FNMA/FHLMC)A person soliciting or originating a mortgage loan.BothA mortgage loanA dwelling (as defined in 15 USCA § 1602[w], as it existed on January 1, 2011) or residential real estate upon which is (or is intended to be) constructed a dwellingOn the applicationArk. Code Ann. § 23-39-510(b) (West 2012)Fair Mortgage Lending ActFNMA 1003 Form - Uniform Residential Loan ApplicationClosingPrincipal and Interest Disclosure on the HUD-1 01-01-10Cx14222 (Federal)A lender or any other person, corporation, or legal entity extending creditBothCreditPropertyAt the time of extending creditArk. Code Ann. § 4-57-103(a) (West 2012)12 CFR Pt. 1024, App. AClick here for Table of ContentsClick here for Table of ContentsCalifornia(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureCA Disclosure ReceiptCx2687Either: (1) a real estate broker (aka a licensee under Chapter 3 of the Real Estate Law); or (2) a licensee under the California Residential Mortgage Lending Act)BothEither: (1) a federally regulated residential mortgage loan transaction, the principal loan amount of which exceeds (a) $30,000 for a first deed of trust, or (b) $20,000 if a lien junior thereto; or (2) A residential mortgage loan, which is either a federally related mortgage loan as defined in 24 CFR § 3500.2 or a loan made to finance the construction of a 1-to-4 family dwellingEither: (1) real property; or (2) residential real property or a 1-to-4 family dwellingWith forms furnished for applicationCal. Bus. & Prof. Code § 10240(c) (West 2012); Cal. Code Regs. Tit. 10, § 1950.204 (2013)Real Estate Law and California Residential Mortgage Lending ActNoInitial DisclosureCA Mortgage Brokerage AgreementCx2784A licensee under the California Residential Mortgage Lending Act, specifically a residential mortgage lender, or a mortgage loan originator employed by the residential mortgage lenderBrokersA residential mortgage loan, which is either a federally related mortgage loan as defined in 24 CFR ? 3500.2 or a loan made to finance construction of a 1-to-4 family dwelling, but not one that is considered a high cost mortgage under 12 USCA § 1602(aa)Residential real property or a 1-to-4 family dwelling.As soon as practical after a borrower requests broker servicesCal. Fin. Code §§ 50700(c) & 50701(a) through (f) (West 2012)California Residential Mortgage Lending ActNoInitial DisclosureCA Balloon Disclosure Regarding Extension of CreditCx2786 (upon request)A real estate broker (aka a licensee under Chapter 3 of the Real Estate Law))BrokersAny loan secured by a dwelling, which is subject to Cal. Bus. & Prof. Code § 10240, which also provides for a balloon payment, but not a bona fide loan that is either: (1) secured by a first trust deed with a principal amount of $30,000 or more; or (2) secured by a junior lien with a principal amount of $20,000 or moreA dwelling, including a single dwelling unit in a condo or co-op or any parcel containing only residential buildings if the total number of units on the parcel is 4 or lessPrior to a borrower becoming obligated on the loanCal. Bus. & Prof. Code § 10241.4 (West 2012)Real Estate LawStatutoryInitial DisclosureCA Home Equity Loan DisclosureCx2787A creditorLendersA home equity loanThe consumer’s dwellingAt the time of application, or within 3 business days if the customer applies by mail or telephoneCal. Civ. Code § 2971 (West 2012)StatutoryInitial DisclosureCA Addendum to Uniform Residential Loan ApplicationCx2796Either: (1) not specified; or (2) a lender, presumably a finance lender licensed under the California Finance Lenders LawBothEither: (1) credit; or (2) a consumer loan, but not including a commercial bridge loan made by a venture capital company to an operating companyEither: (1) not specified; or (2) real propertyAs a part of the applicationCal. Civ. Code § 1812.30(j) (West 2012); Cal. Fin. Code §§ 22203 & 22204 (West 2012)California Finance Lenders LawNoInitial DisclosureCA Consumer Caution and Home Ownership Counseling Notice for Covered LoansCx2797A “licensed person,” which includes all the major license types (see Cal. Fin. Code § 4970[g] for details)BothA covered loanReal property used or intended to be used or occupied as the principal dwelling of the consumer that is improved by a 1-to-4 residential unitNo later than 3 business days prior to closingCal. Fin. Code § 4973(k) (West 2012)NoInitial DisclosureCA Mortgage Loan Disclosure StatementCx2798A real estate broker (aka a licensee under Chapter 3 of the Real Estate Law)BrokersA loan secured by a lienReal propertyWithin 3 business days after receipt of a written loan applicationCal. Bus. & Prof. Code §§ 10240, 10241, & 10241.2 (West 2012); Cal. Code Regs. Tit. 10, § 2840 (2013)Real Estate LawRE 882 - Mortgage Loan Disclosure Statement, TraditionalInitial DisclosureCA Title Insurance DisclosureCx2799Not specifiedBothAn escrow transaction for the purchase or simultaneous exchange of real propertyReal propertyAt the time of an escrow transactionCal. Civ. Code § 1057.6 (West 2012)StatutoryInitial DisclosureCA Balloon DisclosureCx2800 (upon request)A real estate broker (aka a licensee under Chapter 3 of the Real Estate Law)BothA loan secured by a lienReal propertyWithin 3 business days after receipt of a written loan applicationCal. Bus. & Prof. Code § 10241(h) (West 2012)Real Estate LawStatutoryInitial DisclosureHCL Prepayment Charge DisclosureCx2892The person originating the covered loan.BothA covered loan which contains a prepayment penaltyReal property used or intended to be used or occupied as the principal dwelling of the consumer that is improved by a 1-to-4 residential unitAt least 3 business days prior to loan consummationCal. Fin. Code § 4973(a)(2)(B) (West 2012)NoInitial DisclosureCA Finance Lenders Law Statement of Loan - BrokerCx5188A licensed broker under the California Finance Lenders Law BrokersConsumer loans (of $5,000 or more), but excluding a commercial bridge loan made by a venture capital company to an operating companyReal propertyAt the time the final negotiation or arrangement is madeCal. Fin. Code §§ 22314 & 22338 (West 2012); Cal. Code Regs. tit. 10, § 1454 (2013)California Finance Lenders LawPartial AdministrativeInitial DisclosureCA Rate Lock AgreementCx7442A licensee under the California Residential Mortgage Lending Act BothA residential mortgage loan which is either a federally related mortgage loan (as defined in 24 CFR § 3500.2) or a loan made to finance the construction of a 1-to-4 family dwellingResidential real property, which has a 1-to-4 family structureNot specified, but practically before requiring a lock-in fee prior to closingCal. Fin. Code § 50203(a)(3)(A) & (B) (West 2012)California Residential Mortgage Lending ActNoInitial DisclosureCA Mortgage Loan Disclosure Statement/Good Faith EstimateCx12922Either: (1) a real estate broker (aka a licensee under Chapter 3 of the Real Estate Law); (2) a real estate broker, when acting on behalf of a mortgage lender, mortgage broker, or mortgage lender and broker under the California Finance Lenders Law; or (3) a real estate broker, when acting on behalf of a licensee under the California Residential Mortgage Loan ActBothEither: (1) a loan secured by a lien; (2) a loan secured by a dwelling that provides for a balloon payment; (3) a nontraditional loan or an adjustable rate loan that is subject to the Guidance; (4) a home loan which is a nontraditional mortgage product; or (5) a nontraditional loan or an adjustable rate loan that is subject to the GuidanceEither: (1) real property; (2) residential real property improved by a 1-to-4 family dwelling; or (3) a 1-to-4 unit single-family residenceWithin 3 business days after receipt of a written loan applicationCal. Bus. & Prof. Code §§ 10240(a), 10241, 10241.2, & 10241.4 (West 2012); Cal. Code Regs. Tit. 10, §§ 1436(d), 2842, & 1950.314.8(d) (2013)Real Estate Law and California Residential Mortgage Loan ActRe885 - Mortgage Loan Disclosure Statement/Good Faith Estimate, Non Traditional Mortgage ProductInitial DisclosureCA Disclosure of Negative AmortizationCx12996A person originating a covered loan.BothA first mortgage, negative amortization covered loanReal property used (or intended to be used) or occupied as the principal dwelling of the consumer that is improved by a 1-to-4 residential unitNot specifiedCal. Fin. Code § 4973(c) (West 2012)NoInitial DisclosureAddendum to Loan ApplicationCx13441Not specifiedBothNot specifiedNot specifiedNot specifiedCal. Fam. Code § 297.5 (West 2012)NoInitial DisclosureCA Comparison of Sample Mortgage FeaturesCx13522Either: (1) a mortgage lender, mortgage broker, and mortgage lender and broker licensed under the California Finance Lenders Law; or (2) a licensee under the California Residential Mortgage Lending ActBothA nontraditional loan or an adjustable rate loan that is subject to the GuidanceResidential real property improved by a 1-to-4 family dwellingWithin 3 business days after receipt of a written loan applicationCal. Code Regs. tit. 10, §§ 1436(d) &1950.314.8(d) (2013)California Finance Lenders Law and California Residential Mortgage Lending ActComparison ChartInitial DisclosureCA Broker HPML DisclosureCx14956 (upon request)A mortgage broker who arranges only higher-priced mortgage loans, including the major licensed types (see Cal. Fin. Code §4995[b] for details)BothA higher-priced mortgage loanA consumer’s principal dwellingAt the time of initially engaging in mortgage brokerage servicesCal. Fin. Code § 4995.2(c) (West 2012)NoInitial DisclosureCA Spanish Good Faith EstimateCx15532 (Spanish)A supervised financial organization (see Cal. Civ. Code § 1632.5[b][2] for license types)BothA loan or extension of credit secured by residential real propertyResidential real propertyNo later than 3 business days after receipt of a written applicationCal. Civ. Code § 1632.5 (West 2012)Summary of Notice of Default - SpanishInitial DisclosureHigh Cost Tangible Net Benefit WorksheetCx15773 (upon request)A person originating a covered loan.BothA covered loan that refinances a consumer loan.Real property used (or intended to be used) or occupied as the principal dwelling of the consumer that is improved by a 1-to-4 residential unitNot specifiedCal. Fin. Code § 4973(j) (West 2012)NoInitial DisclosureCA Loan CommitmentCx16083A licensee under the California Residential Mortgage Lending ActBothA residential mortgage loan, which is either a federally related mortgage loan (as defined in 24 CFR § 3500.2) or a loan made to finance the construction of a 1-to-4 family dwellingResidential real property, which has a 1-to-4 family structureUpon approval of the applicationCal. Fin. Code § 50203(a)(4) (West 2012)California Residential Mortgage Lending ActNoInitial DisclosureCA Advanced Fee/Application DisclosureCx16084A licensee under California’s Real Estate Law (Cal. Bus. & Prof. Code §§ 10000 through 10602)BothNot specified, but practically a loan secured directly or collaterally by liens on real propertyReal propertyNot specified, but practically before performing any services for which the fee is chargedCal. Code Regs. tit. 10, § 2970 (2013)Real Estate LawNoInitial DisclosureCA Fair Lending NoticeCx16170Financial Institutions, including banks, savings and loan associations, and public agenciesBothFinancial assistance, including combination mobile home and land loans or contracts, combination personal property and real property secured loans, and purchase of secured home improvement contractsAny improved or unimproved real property that is used as a residence, is (or will be) occupied by the owner, and is 1-to-4 dwelling units; (b) any 1-to-4 unit residential dwelling, regardless of occupancy, where the owner has (or will) apply for a secured home improvement loanUpon submission of a written applicationCal. Health and Safety Code § 35830 (West 2012); Cal. Code Regs. Tit. 21, § 7114 (2013)Holden Act and California Fair Lending Regulations AdministrativeRe867 - Fair Lending Notice (receipt)Adverse ActionStatement of Credit Denial, Termination or ChargeCx15858 (Federal)Either: (1) a user of a consumer credit report (i.e. a credit grantor); (2) a creditor; or (3) a financial institution, including a bank, savings and loan association, or public agencyBothEither: (1) a credit for personal, family, or household purposes; or (2) financial assistance, including combination mobile home and land loans or contracts, combination personal property and real property secured loans, and purchase of secured home improvement contractsEither: (1) not specified; (2) property; or (2) a housing accommodation, including: (a) any improved or unimproved real property that is used as a residence, is (or will be) occupied by the owner, and is 1-to-4 dwelling units; (b) any 1-to-4 unit residential dwelling, regardless of occupancy, where the owner has (or will) apply for a secured home improvement loanWithin 30 days of taking action on an applicationCal. Civ. Code §§ 1785.20 & 1787.2 (West 2012); Cal. Health & Safety Code § 35810 (West 2012)Cal. Code Regs. tit. 21, § 7114.2 (2013)Consumer Credit Reporting Agencies Act, The Holden Credit Denial Disclosure Act of 1976, Holden Act, and California Fair Lending Regulations12 CFR Pt. 1002, App. C; Form C-1Initial Disclosure & ClosingCopy of Appraisal Report NoticeCx6 (Federal)A lenderBothA loan transaction, but not a loan modification, if the lender has not charged for the appraisalReal property, including residential real property consisting of 1-to-4 family residencesEither no later than 15 days after receiving a written application, in the case of residential real property, or within 15 days of receiving the appraisal for nonresidential real propertyCal. Bus. & Prof. Code § 11423 (West 2012)Real Estate Appraisers’ Licensing and Certification Law12 CFR Pt. 1002, App. C; Form C-9Initial Disclosure & ClosingCA Earthquake Insurance for Condominiums DisclosureCx998A lender originating the loan.BothA loan secured by a borrower’s separate interest in a condominium project which requires earthquake insurance or imposes a fee or any other condition in lieu thereofA condominium project.As soon as reasonably practicalCal. Civ. Code § 2955.1 (West 2012)NoInitial Disclosure & ClosingCA Credit Score DisclosureCx2112Either: (1) a consumer credit reporting agency; or (2) any person who makes or arranges loansBothA closed end loan or the establishment of an open end loan for a consumer purpose1- to 4- units of residential real propertyAs soon as reasonably practicalCal. Civ. Code §§ 1785.15.1(a) & 1785.20.2(a) (West 2012)Consumer Credit Reporting Agencies ActNoInitial Disclosure & ClosingCA Credit Score NoticeCx2114Any person who makes or arranges loans.BothA closed end loan or the establishment of an open end loan for a consumer purpose1- to 4- units of residential real propertyAs soon as reasonably practicalCal. Civ. Code § 1785.20.2(d) (West 2012)Consumer Credit Reporting Agencies ActStatutoryInitial Disclosure & ClosingCA Insurance DisclosureCx2350Either: (1) a lender; (2) a person engaged in the business of financing the purchase of real property or lending money on the security of real property; (3) not specifiedBothEither: (1) a loan secured by real property; or (2) a financed purchase or a loan of moneyEither: (1) real property upon which buildings or structures are attached; or (2) not specifiedAs soon as practical, but before execution of any note or security documentsCal. Civ. Code § 2955.5(a) & (b) (West 2012); Cal. Ins. Code §§ 770 & 772 (West 2012)NoInitial Disclosure, Processing, Underwriting, and ClosingNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn Cx4193 (FNMA/FHLMC)Either: (1) a licensed mortgage loan originator under the California Finance Lenders Law; or (2) a licensed mortgage loan originator under the California Residential Mortgage Loan Act (Cal. Fin. Code §§ 50000 through 50707)BothEither: (1) a residential mortgage loan, but excluding a commercial bridge loan made by a venture capital company to an operating company; or (2) a residential mortgage loan which is either a federally related mortgage loan (as defined in 24 CFR § 3500.2) or a loan made to finance construction of a 1-to-4 family dwellingEither: (1) a 1-to-4 unit dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling; or (2) residential real property or a 1-to-4 family dwellingOn the applicationCal. Fin. Code §§ 22347 & 50209; Cal. Code Regs. tit. 10, §§ 1433(d) & 1950.209(a)California Finance Lenders Law and California Residential Mortgage Loan ActFNMA 1003 Form - Uniform Residential Loan ApplicationInitial Disclosure & ClosingAutomated Valuation Model NoticeCx11978 (upon request)A licensee under the California Finance Lenders Law BothA consumer loan secured by real property (of $5,000 or more), but excluding a commercial bridge loan made by a venture capital company to an operating companyReal property, but excluding property owned by the licenseeNo later than 15 days after receipt of the written loan applicationCal. Fin. Code § 22317.2 (West 2012)California Finance Lenders LawPartial StatutoryClosingCA Per Diem Interest DisclosureCx878Either: (1) a lender; or (2) a licensee under the California Residential Mortgage Lending ActBothEither: (1) a promissory note secured by a mortgage or deed of trust; or (2) a residential mortgage loan, which is either a federally related mortgage loan (as defined in 24 CFR § 3500.2) or a loan made to finance the construction of a 1-to-4 family dwelling. Excluded are loans subject to Cal. Bus. & Prof. Code § 10242(c), which is one in which interest is not charged prior to the date the loan proceeds are made available to the borrower, or are deposited in escrowEither: (1) real property improved with between 1-to-4 residential dwelling units; or (2) residential real property or a 1-to-4 family dwellingPrior to placing funds in escrowCal. Civ. Code § 2948.5(b) (West 2012); Cal. Fin. Code § 50204(o) (West 2012)California Residential Mortgage Lending ActNoClosingCA Statement of Loan and HUD-1 01-01-10Cx883 (upon request) and Cx14222 (Federal)An industrial loan company (aka a premium finance agency)Both A loan made pursuant to the Industrial Loan Law, Division 7 of the California Financial CodeExcluded are either: (1) a loan to an industrial loan company of a principal amount of $10,000 or more; (2) an amount due from a contingent guarantor on obligations purchased under Division 7; or (3) a loan to a primary borrower who has pledged accounts receivable or installment accounts to secure loans which, in the aggregate, are $10,000 or moreNot specifiedAt the time the loan is madeCal. Fin. Code § 18231 (West 2012); Cal. Code Regs. tit. 10, § 40.600 (2013)Industrial Loan Law12 CFR Pt. 1024, App. AClosingCA Notice to CosignerCx886A creditorBothA consumer credit transaction (see Cal. Civ. Code § 1799.90[a] for specifics)Real propertyPrior to a co-signer becoming obligated under the consumer credit contractCal. Civ. Code §§ 1799.91 & 1799.92 (West 2012)StatutoryClosingCA Mortgage Guaranty Insurance Cancellation DisclosureCx999 or Cx17040A lender or person making or arranging the loanBothA loan secured by a deed of trust or mortgage, but not any mortgage funded with bond proceeds issued under an indenture requiring insurance for the life of the loan, nor loans insured by the FHA or VAReal propertyNo later than 30 days after the close of escrowCal. Civ. Code § 2954.6 (West 2012)NoClosingCA Impound Account StatementCx1231A lenderBothA loan secured by a deed of trust or mortgage on real property in which an escrow account is not required. See Cal. Civ. Code § 2954(a)(1) for further exemptionsReal property containing only a single-family, owner-occupied dwelling, which will be occupied by a signatory to the security instrument within 90 days of execution of such instrumentPrior to the execution of the loan or sales agreement.Cal. Civ. Code § 2954(a) (West 2012)NoClosingCA HELOC Request For Notice of DefaultCx3475Any person desiring a copy of any notice of default and of any notice of saleBothA deed of trust or mortgage with power of saleReal property or an estate for yearsSubsequent to recording of the of the deed of trust or mortgage, but prior to a recordation of defaultCal. Civ. Code § 2924b (West 2012)StatutoryClosingFACT Act NoticeOn Cx4387 (Federal)A creditorBothA transaction or extension of credit subject to Title 1.6, Part 4, Division 3 of the California Civil Code (Cal. Civ. Code §§ 1427 through 1785.36), but excluding a nonconsumer transactionNot specifiedPrior to or within 30 days after the transmission of negative credit informationCal. Civ. Code § 1785.26(b) through (d) (West 2012)Consumer Credit Reporting Agencies ActStatutoryClosingCA Finance Lenders Law Statement of Loan – Finance LendersCx14027A licensed finance lender under the California Finance Lenders Law BothEither: (1) consumer loans (of $5,000 or more); or (2) amortizing consumer loans (of less than $5,000)Not including a commercial bridge loan made by a venture capital company to an operating companyReal propertyAt the time the loan is madeCal. Fin. Code §§ 22337 & 22400(b) (West 2012); Cal. Code Regs. tit. 10, § 1454 (2013)California Finance Lenders LawPartial AdministrativeClosingCA Credit Disability Claim ProcedureCx15326 (upon request)A creditor who directly arranges or participates in the sale or receives compensation for the sale of credit disability insuranceBothA credit transaction (including an open line of credit) which is either (1) of less than 10 years’ duration; or (2) of more than 10 years’ duration, the principal purpose of which is for the construction, rehabilitation, or improvement of real property consisting of 1-to-4 residential unitsNot specifiedAt the time the creditor sells credit disability insurance coverageCal. Civ. Code § 1812.402(f)(1) (West 2012)StatutoryClosingCA Important Privacy Choices for ConsumersCx16539 (upon request)A financial institutionBothA financial product or serviceNot specifiedNot specified, but must be given annuallyCal. Fin. Code §§ 4052.5, 4053, & 4054.6(c) (West 2012)California Financial Information Privacy ActSB 1 Standard NoticeClick here for Table of ContentsClick here for Table of ContentsColorado(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureCO Loan Product ChoiceCx2749A lenderLendersA covered loan which contains a prepayment penaltyAn interest in land, which should also be the consumer’s principal dwellingNot specified, but practically before a prepayment penalty fee is included in the loanColo. Rev. Stat. Ann. § 5-3.5-102(1)(g)(III) (West 2013)Uniform Consumer Credit CodeStatutoryInitial DisclosureCO Consumer Caution NoticeCx2750A lender or mortgage brokerBothA covered loanAn interest in land, which should also be the consumer’s principal dwellingWithin a reasonable period of time after determining that the loan will be a covered loan, but no later than 3 business days before consummationColo. Rev. Stat. Ann. § 5-3.5-103(1)(a)(I) (West 2013)Uniform Consumer Credit CodeStatutoryInitial DisclosureAnti-Coercion Insurance DisclosureCx2778Either: (1) a financial institution licensed under the Colorado Producer Licensing Model Act; (2) a person who lends money or extends credit, enters into a lease transaction, or a renewal of any of these; (3) a lenderBothEither: (1) a loan of money or an extension of credit; (2) a loan secured by real propertyProperty, particularly real propertyNot specifiedColo. Rev. Stat. Ann. §§ 10-2-602, 10-3-1105 & 10-4-114 (West 2013)Colorado Producer Licensing Model ActNoInitial DisclosureCO Consumer Credit Transaction DisclosureCx3584A creditorLendersEither: (1) a particular consumer credit transaction (practically a consumer loan), which subjected to the Uniform Consumer Credit Code; or (2) an extension of credit for a consumer purposeEither: (1) real estate; or (2) a dwelling, which is a residential structure containing 1-to-4 units, including a condo or coop unit, mobile home, or trailerNot specified, but practically when an assignment of rights is madeColo. Rev. Stat. Ann. §§ 5-3-106 & 12-14.3-104.3(1) (West 2013)Uniform Consumer Credit Code and Colorado Consumer Credit Reporting ActPartial StatutoryInitial DisclosureCO DisclosureCx12866A mortgage loan originatorBothA residential mortgage loanA dwelling or residential real estate upon which is (or is intended to be) constructed a 1-to-4 family unit dwelling (as defined in 15 USCA § 1602[v])Within 3 business days after receipt of a loan application or any moneys from a borrowerColo. Rev. Stat. Ann. § 12-61-914(2)(a), (e), & (g) (West 2013)Mortgage Loan Originator Licensing and Mortgage Company Registration ActNoInitial DisclosureCO Reasons for LoanCx12874A licensee under the Mortgage Loan Originator Licensing and Mortgage Company Registration ActBothA transaction, presumably a residential mortgage loanA dwelling or residential real estate upon which is (or is intended to be) constructed a 1-to-4 family unit dwelling (as defined in 15 USCA § 1602[v])Before recommending an appropriate mortgage product4 Colo. Code Regs. § 725-3:3-1-1-5(4) (2013)Mortgage Loan Originator Licensing and Mortgage Company Registration ActNoInitial DisclosureCO Lock-In DisclosureCx13134A mortgage loan originatorBothA residential mortgage loanA dwelling or residential real estate upon which is (or is intended to be) constructed a 1-to-4 family unit dwelling (as defined in 15 USCA § 1602[v]).Within 3 business days after receipt of a loan application or any moneys from a borrowerColo. 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)Mortgage Loan Originator Licensing and Mortgage Company Registration ActColorado Lock-in Disclosure FormInitial DisclosureCO Prepayment Penalty DisclosureCx13355A licensee under the Colorado Mortgage Loan Originator Licensing and Mortgage Company Registration Act (Colo. Rev. Stat. Ann. §§ 12-61-901 through 12-61-919)BothResidential mortgage loans.A dwelling or residential real estate upon which is (or is intended to be) constructed 1-to-4 family dwelling unitsNot specified4 Colo. Code Regs. § 725-3:3-1-4-5(2) (2013)Colorado Mortgage Loan Originator Licensing and Mortgage Company Registration ActNoInitial DisclosureAddendum to Loan ApplicationCx13441Not specifiedBothNot specifiedNot specifiedNot specified, but practically at applicationColo. Rev. Stat. Ann. § 15-22-105(3)(a) (West 2013)Colorado Designated Beneficiary Agreement ActNoInitial DisclosureCO Dual Status DisclosureCx14095A licensee under the Colorado Mortgage Loan Originator Licensing and Mortgage Company Registration Act who also acts as a real estate broker or salesperson.BothResidential mortgage loansA dwelling or residential real estate upon which is (or is intended to be) constructed 1-to-4 family dwelling unitsWithin 3 business days after receipt of a loan application or any moneys from a borrowerColo. Rev. Stat. Ann. § 12-61-912 (West 2013); 4 Colo. Code Regs. § 725-3:7-1-1-4 (2013)Colorado Mortgage Loan Originator Licensing and Mortgage Company Registration ActDual Status DisclosureInitial DisclosureCost of Insurance DisclosureCx16488 (upon request)The creditorLendersA consumer credit transaction (consumer loan)LandNot specifiedColo. Rev. Stat. Ann. § 5-2-202(3) (West 2013)Uniform Consumer Credit Code – Finance Charges and Related ProvisionsNoInitial DisclosureCO Truncated Coverage DisclosureURA creditorLendersA credit transactionNot specifiedWhen a debtor elects truncated insurance coverageColo. Rev. Stat. Ann. § 10-10-119(1) (West 2013)Credit Insurance ActNoInitial Disclosure & ClosingCO Refinance DisclosureCx993A lendersLendersLoans secured by a first lien that refinances a purchase or initial construction loanA dwelling, which is improved real property that is (or is intended to be) used as a residence and contains not more than 4 dwelling unitsNot specifiedColo. Rev. Stat. Ann. §§ 5-1-301(26)(c) & 5-5-112 (West 2013)Uniform Consumer Credit Code and Uniform Consumer Credit Code – Remedies and PenaltiesNoInitial Disclosure & ClosingCO Disburser’s NoticeCx3760The disburser (any lender who has agreed to make any loan to the owner or contractor)A loan, presumably consisting of a mechanic’s lienA structurePrior to the first disbursementColo. Rev. Stat. Ann. § 38-22-126(2) (West 2013)NoInitial Disclosure, Processing, Underwriting, and ClosingNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn Cx4193 (FNMA/FHLMC)A licensee or registrant under the Mortgage Loan Originator Licensing and Mortgage Company Registration Act (includes mortgage loan originators and mortgage companies)BothA residential mortgage loanA dwelling or residential real estate upon which is (or is intended to be) constructed a 1-to-4 family unit dwelling (as defined in 15 USCA § 1602[v])On the applicationColo. Rev. Stat. Ann. § 12-61-918 (West 2013)Mortgage Loan Originator Licensing and Mortgage Company Registration ActFNMA 1003 Form - Uniform Residential Loan ApplicationInitial Disclosure, Processing, Underwriting, & ClosingUniform Residential Loan Application Disclosure & CO Tangible Net Benefit DisclosureCx4193 (FNMA/FHLMC) & Cx12873Either: (1) a lender or assignee; or (2) a mortgage loan originator licensed under the Mortgage Loan Originator Licensing and Mortgage Company Registration ActBothEither: (1) a covered loan which refinances another covered loan; or (2) a transaction, presumably a residential mortgage loanEither: (1) an interest in land, which should also be the consumer’s principal dwelling; or (2) a dwelling or residential real estate upon which is (or is intended to be) constructed a 1-to-4 family unit dwelling (as defined in 15 USCA 1602[v])Before recommending an appropriate mortgage productColo. Rev. Stat. Ann. §§ 5-3.5-103(1)(c) & 12-61-904.5 (West 2013); 4 Colo. Code Regs. § 725-3:3-1-1-5 (2013)Uniform Consumer Credit Code and Mortgage Loan Originator Licensing and Mortgage Company Registration ActFNMA 1003 Form - Uniform Residential Loan ApplicationColorado Tangible Net Benefit DisclosureInitial Disclosure, TILA Redisclosure, & ClosingItemization of Amount Financed 01-01-10Cx14224 (Federal)A licensee under the Colorado Mortgage Loan Originator Licensing and Mortgage Company Registration ActBothResidential mortgage loansA dwelling or residential real estate upon which is (or is intended to be) constructed 1-to-4 family dwelling unitsWithin 3 business days after receipt of a loan application or any money from a borrowerColo. Rev. Stat. Ann. § 12-61-914(2)(b) (West 2013); 4 Colo. Code Regs. § 725-3:5-1-2-5(3) (2013)Colorado Mortgage Loan Originator Licensing and Mortgage Company Registration Act12 CFR Pt. 1026, App. H; Form H-3ClosingAssignment Sale or Transfer of ServicingCx21 (Federal)Not specified, but practically a creditorBothA consumer credit transaction (a consumer loan)LandNot specified, but practically when an assignment of rights is madeColo. Rev. Stat. Ann. § 5-3-102 (West 2013)Uniform Consumer Credit Code12 CFR Pt. 1024, App. MS-2ClosingCO Notice to CosignersCx994Not specifiedBothConsumer credit transaction (a consumer loan)LandBefore or contemporaneously with signing any agreement of obligation or any writing setting forth the terms of the agreementColo. Rev. Stat. Ann. § 5-3-105 (West 2013)Uniform Consumer Credit CodeNoClosingCO Balloon Note DisclosureCx2793A creditorConsumer credit transaction (a consumer loan)LandAt the time the transaction is entered intoColo. Rev. Stat. Ann. § 5-3-208 (West 2013)Uniform Consumer Credit CodeNoClick here for Table of ContentsClick here for Table of ContentsConnecticut(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureCT Private Mortgage Insurance DisclosureCx1029Mortgage lendersBothFirst 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)NoInitial DisclosureCT Real Estate Broker/Salesperson DisclosureCx3589A real estate broker who receives compensation for the sale of residential real property.BrokersFirst 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)StatutoryInitial DisclosureAnti-Coercion InsuranceCx3750Either: (1) a mortgage lender; or (2) a personBothEither: (1) a mortgage loan; or (2) a loan of money or extension of creditResidential real estateNot specifiedConn. Gen. Stat. Ann. §§ 36a-757 & 38a-816(11) (West 2013)NoInitial DisclosureCT Agreement Concerning Nonrefundability of Advance FeesCx3751A mortgage lender, correspondent lender, or mortgage broker, licensed under Chapter 668, Title 36A of Connecticut’s General Statutes.BothResidential 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)Partial StatutoryInitial DisclosureCT Notice of Right to Receive Copy of AppraisalCx3752A financial institutionBothMortgage loan1-to-4 family residential real property, including a condoNo later than 10 days after receipt of an appraisal report, but before consummationConn. Gen. Stat. Ann. § 36a-755(b) & (c) (West 2013)NoInitial DisclosureCT Disclosure Regarding Legal RepresentationCx3753A creditorBothA first lien mortgage loan1-to-4 family residential real propertyWhen an application is filedConn. Gen. Stat. Ann. § 49-6d (West 2013)NoInitial DisclosureCT Interim Financing DisclosureCx3754A creditor who has a policy of not offering interim financingLendersA first lien mortgage loan1-to-4 family residential real propertyAt the time when an application is filedConn. Gen. Stat. Ann. § 49-6a(b)NoInitial DisclosureTangible Net Benefit WorksheetCx12531Either: (1) a lender (i.e. any person who originates one or more high cost home loans; or (2) a lender or a mortgage brokerBothEither: (1) a high cost home loan which refinances another loan; or (2) a nonprime home loan which refinances a mortgage1-to-4 family residential real property that is (or is intended to be) occupied by the borrower as a principal residenceNot specifiedConn. Gen. Stat. Ann. §§ 36a-746e(8) & 36a-760g(b) (West 2013)Connecticut Abusive Home Loan Lending Practices ActNoInitial DisclosureCT High Cost Home Loan DisclosureCx13002A lender ((i.e. any person who originates one or more high cost home loans)BothA high cost home loan1-to-4 family residential real property that is (or is intended to be) occupied by the borrower as a principal residenceNot specified, but practically before consummationConn. Gen. Stat. Ann. § 36a-746b (West 2013)Connecticut Abusive Home Loan Lending Practices ActPartial StatutoryInitial DisclosureAddendum to Loan ApplicationCx13441Not specifiedBothNot specifiedNot specifiedNot specified, but practically at applicationKerrigan v. Commissioner of Public Health, 957 A.2d 407 (Conn. 2008)NoInitial DisclosureCT Nonprime Home Loan DisclosureCx14773A lender licensed under Chapter 668 (Conn. Gen. Stat. Ann. §§36a-485 to 36a-498a), including most banks and credit unions.BothNonprime home loans, which have a principal amount of $417,000 or less.1-to-4 family residential real property, which is (or is intended to be) used or occupied by the borrower as a principal residenceNo later than 3 business days after receipt of a completed applicationConn. Gen. Stat. Ann. §§ 36a-760a(c) & 36a-760d(3) (West 2013)NoInitial DisclosureCT Higher Interest Rate In Lieu of PMI DisclosureCx14798A mortgage lenderBothA first mortgage loan, made to an individual, wherein the interest rate exceeds an 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)NoInitial DisclosureCT Mortgage Rate Lock-In ConfirmationCx15855A mortgage lender or correspondent lender licensed under Conn. Gen. Stat. Ann. §§36a-485 to 36a-498a.LendersA first mortgage loanA 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)NoAdverse ActionAddendum to Statement of Credit Denial, Termination, or ChangeCx15905Financial institutionsBothA home purchase, home improvement, or mortgage loan.Residential real property, which is improved real property used (or to be used) for residential purposes.When adverse action is taken on an applicationConn. Agencies Regs. § 36a-744-7(b) (2013)Home Mortgage Disclosure ActStatutoryInitial Disclosure, Processing, Underwriting, & ClosingNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn Cx4193 (FNMA/FHLMC)A mortgage loan originator, loan processor, or underwriterBothA 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-498dFNMA 1003 Form - Uniform Residential Loan ApplicationClosingCT Loan Payoff Disclosure StatementCx16059A notification agentBothA 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)StatutoryClick here for Table of ContentsClick here for Table of ContentsDelaware(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureDE Broker AgreementCx3583A mortgage broker, acting as such, licensed under Chapter 21, Title 5 (Del. Code Ann. §§ 2101 through 2119)BrokersA mortgage loan1-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)Partial AdministrativeInitial DisclosureDE Mortgage Loan Broker RegulationsCx3593A licensee under Chapter 21, Title 5 (Del. Code Ann. §§ 2101 through 2119)BrokersA mortgage loan1-to-4 family residential, owner-occupied propertyAt the time application is made5 Del. Admin. Code § 2103-1.0 (2013)AdministrativeInitial DisclosureAnti-Coercion InsuranceCx3750Either: (1) a person; or (2) a mortgagee or obligeeBothEither: (1) a loan of money; or (2)a mortgage or other instrument given for the purpose of creating a lien on real propertyReal property, including 1-to-4 family residential propertiesNot specifiedDel. Code Ann. tit. 18, § 2305 & tit. 25, § 2119(b) (West 2013)NoInitial DisclosureDE Licensed Lenders RegulationsCx3845A licensee under Chapter 22, Title 5LendersEither: (1) a revolving credit plan; or (2) a loan (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)AdministrativeInitial DisclosureAddendum to Loan ApplicationCx13441Not specifiedBothNot specifiedNot specifiedNot specified, but practically at applicationDel. Code Ann. tit. 13, § 212(a) (West 2013)NoInitial DisclosureDE Mortgage Loan Commitment LetterCx15752A qualified lenderBothA mortgage loanA 1-to-4 family residential, owner-occupied propertyBefore a mortgage broker licensed under Chapter 21, Title 5 receives an application fee or any bona fide third party feesDel. Code Ann. tit. 5, § 2115 (West 2013)NoInitial Disclosure, Processing, Underwriting, & ClosingNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn Cx4193 (FNMA/FHLMC)Any person originating a residential mortgage loanBothA 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 applicationDel. Code Ann. tit. 5, § 2420 (West 2013)Delaware S.A.F.E. Mortgage Licensing Act of 2009FNMA 1003 Form - Uniform Residential Loan ApplicationClick here for Table of ContentsClick here for Table of ContentsDistrict of Columbia(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Disclosure RequiredInitial DisclosureAnti-Coercion Insurance DisclosureCx2778A person who lends money or extends credit and who solicits insurance on real propertyBothA credit extensionReal propertyNot specifiedD.C. Code Ann. § 31-2231.20(c) (2012)NoInitial DisclosureDC Financing AgreementCx3633A licensee under Chapter 11, Title 26 (D.C. Code Ann. §§ 26-1101 through 26-1121), but must be executed by a licensed lenderBothA 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 Ann. § 26-1113(a) (2012)NoInitial DisclosureDC Red Flag Warning Disclosure NoticeCx4245A lender or a mortgage brokerBothA 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 Ann. § 26-1152.11 & 26-1152.19 (2012); D.C. Mun. Regs. Tit. 26C, §§2005 & 2099 (2013)Home Loan Protection Act of 2002AdministrativeInitial DisclosureDC Disclosure of Dual CapacityCx5072A mortgage broker licensed under Chapter 11, Title 26 (§§ 26-1101 through 26-1121) who is acting in a dual capacityBrokersA 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 Ann. § 26-1114(b)(3) (2012)StatutoryInitial DisclosureDC Lock-In AgreementCx10455A licensed mortgage lender under Chapter 11, Title 26 (D.C. Code Ann. §§ 26-1101 through 26-1121)BothA 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. 26-C, §§ 1117.4, 1117.5, & 1117.6 (2013)NoInitial DisclosureDC Mortgage Disclosure FormCx13354A licensee under Chapter 11, Title 26 (D.C. Code Ann. §§ 26-1101 through 26-1121), though the disclosure must be executed by a licensed lenderBothA 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 Ann. § 26-1113(a-1) (2012)StatutoryInitial DisclosureAddendum to Loan ApplicationCx13441Not specifiedBothA mortgage or deed of trustNot specifiedNot specifiedD.C. Code Ann. §§ 15-502 & 46-401 (2012)NoInitial DisclosureDC Spanish Mortgage Disclosure FormCx15561 (Spanish)A licensee under Chapter 11, Title 26 (D.C. Code Ann. §§ 26-1101 through 26-1121), though the disclosure must be executed by a licensed lenderBothA 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 Ann. § 26-1113(a-1)(8)(b) (2012)Statutory (Spanish)Initial DisclosureCost of Insurance DisclosureCx16488 (upon request)A lenderLendersEither: (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 Ann. §§ 26-1152.03 and 28-3311(a)(4) & (a)(5) (2012)Home Loan Protection Act of 2002NoInitial Disclosure, TILA Redisclosure, & ClosingInitial Truth-in-Lending Disclosure, ARM Disclosure – Lender, and other TILA DisclosuresCx1591 (Federal), Cx14089 (Federal), and other TILA DisclosuresA lenderLendersA loan, financial, or consumer credit transactionResidential real propertyPrior to execution of the loan or financial transactionD.C. Code Ann. § 28-3301(f)(3) (2012)Home Loan Protection Act of 200212 CFR Pt. 1026, App. HInitial Disclosure, Processing, TILA Redisclosure, Underwriting, & ClosingVarious Federal disclosures used to fulfill loan application disclosure requirementsCx1591 (Federal), Cx4193 (FNMA/FHLMC), Cx14089 (Federal), and Cx14221 (Federal)A licensee under Chapter 11, Title 26 (D.C. Code Ann. §§ 26-1101 through 26-1121)BothA 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. 26-C, § 1116 (2012)12 CFR Pts. 1024, App. C & 1026, App. HFNMA 1003 Form - Uniform Residential Loan ApplicationInitial Disclosure & ClosingWaiver of 72 Hour NoticeCx8268 (upon request)A licensee under Chapter 11, Title 26 (D.C. Code Ann. §§ 26-1101 through 26-1121)BothA 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 Ann. § 26-1113(b)(2) (2012)NoInitial Disclosure & ClosingDC Nonresident Borrower ConfirmationCx17181 (upon request)A lenderBothA 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 Ann. § 26-1152.02(a)(4) (2012)Home Loan Protection Act of 2002NoClosingDC Escrow Account DisclosureCx1026Either: (1) a licensed mortgage lender under Chapter 11, Title 26 of the District’s Code; or (2) a lenderEither: (1) a mortgage loan; or (2) a loan or financial transaction. In either case, the loan must have present either a down payment 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 Ann. §§ 26-1115(b) & 28-3301(f)(2) (2012)NoClosingHELOC Deed of Trust – DCCx1340Not specifiedBothA credit line deed of trustSingle family residential property used for non-transient residential purposesOn the deed of trustD.C. Code Ann. § 42-2302 (2012)Partial StatutoryClosingDC Real Property Recordation and Transfer Tax Forms FP 7/C & DC Real Property Recordation and Transfer Tax AddendumCx2485 & Cx16282 (upon request)Not specifiedBothNot specifiedReal propertyAt the time of recordingD.C. Mun. Regs. tit. 9, §§ 335, 337 & 338 (2013)District of Columbia Real Property Tax Revision Act of 1974Form FP 7/CForm FP7CAClosingDC Final Financing AgreementCx13979A licensee under Chapter 11, Title 26 (D.C. Code Ann. §§ 26-1101 through 26-1121)BothA 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 Ann. §§ 26-1113(a) & (b) and 26-1114(a)(8) (2012); D.C. Mun. Regs. tit. 26C, §§ 1117.1, 1117.2, & 1117.3 (2013)NoClick here for Table of ContentsClick here for Table of ContentsFlorida(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureFL Anti-Coercion Insurance NoticeCx2834A person, particularly a lenderBothAn extension of credit or a loanNot specifiedWhen negotiations begin and before applicationFla. 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)Unfair Insurance Trade Practices ActAdministrativeInitial DisclosureFL Application DisclosureCx3421A mortgage lenderLendersA mortgage loanA dwelling (as defined in Section 103[v] of TILA), residential real estate upon which a dwelling is to be constructed, commercial real property, or improved real property consisting of 5 or more dwelling unitsBefore accepting an application, credit report, appraisal, or other third-party feeFla. Stat. Ann. § 494.0068(1) (West 2012)NoInitial DisclosureFL Mortgage Broker AgreementCx3474A licensed mortgage broker under Part 2 of Chapter 494, Title 33 (Fla. Stat. Ann. §§ 494.003 through 494.0043)BrokersA mortgage loanA dwelling (as defined in Section 103[v] of TILA), residential real estate upon which a dwelling is to be constructed, commercial real property, or improved real property consisting of 5 or more dwelling unitsWithin 3 business days after the loan application is acceptedFla. Stat. Ann. §§ 494.0038 & 494.00421 (West 2012); Fla. Admin. Code r. 69V-40.008 & 69V-40.175(2)(a) (2013)NoInitial DisclosureFL Notice to Purchaser – MortgagorCx4131Agents, employees, officials of lending, or other institutionsBothNot specified, but practically a purchase money loanNot specifiedNot specifiedFla. Stat. Ann. § 627.798 (West 2012); Fla. Admin. Code Ann. r. 69O-186.002 (2013)AdministrativeInitial DisclosureFL Broker DisclosureCx4133A licensed mortgage broker under Part 2 of Chapter 494, Title 33 (Fla. Stat. Ann. §§ 494.003 through 494.0043)BrokersA mortgage loanA dwelling (as defined in Section 103[v] of TILA), residential real estate upon which a dwelling is to be constructed, commercial real property, or improved real property consisting of 5 or more dwelling unitsAt the time a mortgage agreement is signed or a typical advance fee is accepted, but at least 3 business days before execution of closingFla. Stat. Ann. § 494.0038(3) (West 2012)NoInitial DisclosureFL Fair Lending Act – High Cost Loan NoticeCx4503Not specifiedBothA high-cost home loanA consumer’s principal dwelling, consisting of 1-to-4 family housing units, or individual condo or co-op unitsNot less than 3 business days prior to consummationFla. Stat. Ann. § 494.00792(1)(c) (West 2012)Florida Fair Lending ActStatutoryInitial DisclosureFL Conflict of Interest DisclosureCx4550A licensee under Chapter 494 of Florida’s Annotated Statutes (Fla. Stat. Ann. §§ 494.001 through 494.121)BothA mortgage transaction, presumably a mortgage loanNot specified, but presumably a dwelling (as defined in Section 103[v] of TILA), residential real estate upon which a dwelling is to be constructed, commercial real property, or improved real property consisting of 5 or more dwelling unitsNot specifiedFla. Stat. Ann. § 494.0023 (West 2012); Fla. Admin. Code r. 69V-40.260(2)(f) (2013)NoInitial DisclosureFL High-Cost Home Loan Notice to BorrowerCx5282A lenderBothA high-cost home loanA consumer’s principal dwelling, consisting of 1-to-4 family housing units, or individual condo or co-op unitsNot less than 3 business days prior to consummationFla. Stat. Ann. § 494.00792(1)(a) (West 2012)Florida Fair Lending ActStatutoryInitial DisclosureFL Credit Life DisclosureCx7225A creditor agent or agentLendersAn installment loan or a home equity line of creditNot specifiedBefore any credit life insurance may be soldFla. Stat. Ann. § 627.679(1)(c) (West 2012)NoInitial DisclosureTangible Net Benefit WorksheetCx12531 (upon request)A lenderBothA loan which refinances a high-cost home loan which has been in existence for 18 months or lessA consumer’s principal dwelling, consisting of 1-to-4 family housing units, or individual condo or co-op unitsNot specifiedFla. Stat. Ann. § 494.00791(9) (West 2012)Florida Fair Lending ActNoInitial DisclosureFL Interest Rate Lock AgreementCx13498A licensed mortgage lender under Part 3 of Chapter 494, Title 33 (Fla. Stat. Ann. §§ 494.006 through 494.0077), though the agreement may be given via a brokerBothA mortgage loanA dwelling (as defined in Section 103[v] of TILA), residential real estate upon which a dwelling is to be constructed, commercial real property, or improved real property consisting of 5 or more dwelling unitsNot specifiedFla. Stat. Ann. § 494.0069 (West 2012); Fla. Admin. Code r. 69V-40.155 & 69V-40.260(2)(d) (2013)NoInitial DisclosureFL High Cost Loan Prepayment Penalty DisclosureCx15133A lenderBothA high-cost home loanA consumer’s principal dwelling, consisting of 1-to-4 family housing units, or individual condo or co-op unitsAt least 3 business days prior to the loan consummationFla. Stat. Ann. § 494.00791(1)(b)(2) (West 2012)Florida Fair Lending ActNoInitial DisclosureGood Faith Estimate 01-01-10Cx14221 (Federal)A licensed mortgage lender under Part 3 of Chapter 494, Title 33 (Fla. Stat. Ann. §§ 494.006 through 494.0077)BothA mortgage loanA dwelling (as defined in Section 103[v] of TILA), residential real estate upon which a dwelling is to be constructed, commercial real property, or improved real property consisting of 5 or more dwelling unitsWithin 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 r. 69V-40.260(2)(a) (2013)12 CFR Pt. 1024, App. CInitial Disclosure & TILA RedisclosureDisclosure of APR and Monthly Payments on Truth-in-Lending DisclosureOn Cx1591 (Federal)A lenderBothA high-cost home loanA consumer’s principal dwelling, consisting of 1-to-4 family housing units, or individual condo or co-op unitsNot less than 3 business days prior to consummationFla. Stat. Ann. § 494.00792(1)(b) (West 2012)Florida Fair Lending Act12 CFR Pt. 1026, App. H; Form H-2Initial Disclosure & TILA RedisclosureInitial Truth-in-Lending DisclosureCx1591 (Federal) & CHARM Booklet (Federal)A licensed mortgage broker under Part 2 of Chapter 494, Title 33 (Fla. Stat. Ann. §§ 494.003 through 494.0043)BothA mortgage loanA dwelling (as defined in Section 103[v] of TILA), residential real estate upon which a dwelling is to be constructed, commercial real property, or improved real property consisting of 5 or more dwelling unitsAt the time when an adjustable rate mortgage loan is offered and whenever the terms of such loan materially changes before closingFla. Stat. Ann. § 494.0038(4) (West 2012)12 CFR Pt. 1026, App. H; Form H-2Initial Disclosure, Processing, TILA Redisclosure, & ClosingFL Disclosure of Material ChangeCx12926 (upon request)Either: (1) a licensee under Part 2 of Chapter 494, Title 33 (Fla. Stat. Ann. §§ 494.003 through 494.0043); or (2) a licensed mortgage lender under Part 3 of Chapter 494, Title 33 (Fla. Stat. Ann. §§ 494.006 through 494.0077)BothA mortgage loanA dwelling (as defined in Section 103[v] of TILA), residential real estate upon which a dwelling is to be constructed, commercial real property, or improved real property consisting of 5 or more dwelling unitsWithin 3 business days of being made aware of any changes, but at least 3 business days before signing of the closing statementFla. Stat. Ann. §§ 494.004(2) & 494.0067(10) (West 2012)NoClosingRight to Cancel – NOT a Refi. With Original Lender FormsCx8204 (Federal), Cx8205 (Federal), & Cx8206 (Federal)A creditorA high-cost home loanA consumer’s principal dwelling, consisting of 1-to-4 family housing units, or individual condo or co-op unitsNot less than 3 business days prior to consummationFla. Stat. Ann. § 494.00792(2)(d) (West 2012)Florida Fair Lending Act12 CFR Pt. 1026, App. H, Forms H-8 & H-9ClosingFlorida Radon Gas NotificationCx9541 (upon request)Not specifiedBothNot specifiedA buildingAt the time of or prior to contract for sale and purchase of any building.Fla. Stat. Ann. § 404.056(5) (West 2012)Florida Radiation Protection ActStatutoryClosingFL Telephone Re-Disclosure CertificationURA lenderBothA high-cost home loanA consumer’s principal dwelling, consisting of 1-to-4 family housing units, or individual condo or co-op unitsAt consummationFla. Stat. Ann. § 494.00792(2)(c)(2)(b) (West 2012)Florida Fair Lending ActNoClick here for Table of ContentsClick here for Table of ContentsGeorgia(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureAcknowledgment of Receipt of Good Faith Estimate and Good Faith Estimate 01-01-10Cx879 (upon request) & Cx14221 (Federal)A licensed or registered lender or broker under the Georgia Residential Mortgage ActBothA 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. r. 80-11-1-.01(6) & (7) (2013)Georgia Residential Mortgage Act12 CFR Pt. 1024, App. CInitial DisclosureAnti-Coercion Insurance DisclosureCx2778An insurer or agent of sameBothA financing of real propertyReal propertyNot specifiedGa. Code Ann. § 33-6-4(b)(11) (West 2012)Georgia Insurance CodeNoInitial DisclosureAdvanced Fee/Application DisclosureCx2783A licensee or registrant under the Georgia Residential Mortgage ActBothEither: (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. r. 80-11-1-.01(1) & (4) (2013)Georgia Residential Mortgage ActNoInitial DisclosureRight to Choose AttorneyCx3846Not specifiedBothNot 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)Georgia Fair Lending ActNoInitial DisclosureGA Disclosure of Net Tangible BenefitCx4235A creditorBothA 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)Georgia Fair Lending ActNoInitial DisclosureGA Lock-In AgreementCx15969 (upon request)A licensed or registered lender or broker under the Georgia Residential Mortgage ActBothA 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)Georgia Residential Mortgage ActNoInitial Disclosure, Processing, Underwriting, & ClosingNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn Cx4193 (FNMA/FHLMC)An person originating a residential mortgage loanBothA 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)Georgia Residential Mortgage ActFNMA 1003 Form - Uniform Residential Loan ApplicationClosingOn all Notes and Georgia Security DeedsOn Cx5 (FNMA/FHLMC), all other Notes, and Cx318 (FNMA/FHLMC), 371 (FHA), 477, and 1406Not specifiedBothA 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)Georgia Fair Lending ActStatutoryFNMA Form 3200FNMA Form 3011ClosingGA Affidavit of Exemption Form Withholding SellerCx1010Not specifiedBothA 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. r. 560-7-8-.34 & 560-7-8-.35 (2013)Georgia Public Revenue CodeForm AFF3 Seller's Certificate of ExemptionClosingGA Foreclosure DisclosureCx1011Either: (1) a licensed or registered lender under the Georgia Residential Mortgage Act; or (2) a licensed or registered broker under the same Act, in connection with a table-funded transactionBothA 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. r. 80-11-1-.01(8) (2013)Georgia Residential Mortgage ActAdministrativeClosingGA Application for Homestead Tax ExemptionCx1016Not specifiedBothNot specifiedA homesteadNot specifiedGa. Code Ann. §§ 48-5-44 & 48-5-45 (West 2012)Georgia Public Revenue CodeApplication for Homestead ExemptionClosingGA Fair Market Property Values AffidavitCx15037The holder of the noteBothA 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)Georgia Public Revenue CodeNoClick here for Table of ContentsClick here for Table of ContentsHawaii(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureAnti-Coercion Insurance DisclosureCx2778Every person who lends money or extends credit and who solicits insurance.BothA loan of money or an extension of creditNot specifiedNot specifiedHaw. Rev. Stat. Ann. § 431:13-104(c) (West 2012)Insurance CodeNoInitial DisclosureAddendum to Loan ApplicationCx13441Not specifiedBothNot specifiedNot specifiedNot specified, but practically at applicationHaw. Rev. Stat. § 572B-9 (West 2012)NoInitial DisclosureHI Public Information NoticeCx16995A financial institution, mortgagee, lender, business entity, organization, or person who intends to use the power of sale foreclosureBothA 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)StatutoryInitial DisclosureHI Commitment AgreementURA lenderLendersA loan or extension of creditNot specifiedBefore soliciting insuranceHaw. Rev. Stat. § 431:13-104(b)(1) (West 2012)Insurance CodeNoInitial DisclosureHI Credit Life InsuranceURA creditorLendersAny indebtedness in which credit life insurance or credit disability insurance is required, which has a duration of 10 years or lessNot specifiedWhen credit life insurance or credit disability insurance is required.Haw. Rev. Stat. § 431:10B-112 (West 2012)Insurance CodeNoInitial Disclosure, TILA Redisclosure, & ClosingInitial and Closing Truth-in-Lending DisclosuresCx18 (Federal) & Cx1591 (Federal)Either: (1) a financial services loan company; or (2) a creditorBothEither: (1) a pre-computed 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)12 CFR Pt. 1026, App. H; Form H-2Initial Disclosure, Processing, Underwriting, & ClosingNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn Cx4193 (FNMA/FHLMC)Any person originating a residential mortgage loanBothResidential 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. Ann. § 454F-19 (West 2012)Secure and Fair Enforcement for Mortgage Licensing ActFNMA 1003 Form - Uniform Residential Loan ApplicationClick here for Table of ContentsClick here for Table of ContentsIdaho(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureID Mortgage Banker ApplicationCx2688A licensee under the Idaho Residential Mortgage Practices Act (Idaho Code Ann. §§ 26-31-101 through 26-31-321)BothA 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)Idaho Residential Mortgage Practices ActIdaho-required Model Application Forms and DisclosuresInitial DisclosureAnti-Coercion Insurance DisclosureCx2778A person engaged in the business of financing the purchase of real property.BothPurchase loanReal propertyNot specifiedIdaho Code Ann. §§ 41-1310 & 41-1312 (West 2013)Idaho Insurance CodeNoInitial DisclosureID Interest Rate Lock/Float InformationCx2789A licensee under the Idaho Residential Mortgage Practices Act (Idaho Code Ann. §§ 26-31-101 through 26-31-321)BothA 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)Idaho Residential Mortgage Practices ActIdaho-required Model Application Forms and DisclosuresInitial DisclosureID Prepayment Penalty DisclosureCx3770Either: (1) a creditor; or (2) a licensee under the Idaho Residential Mortgage Practices Act (Idaho Code Ann. §§ 26-31-101 through 26-31-321)BothEither: (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)Idaho Credit Code – Finance Charges and Related Provisions and Idaho Residential Mortgage Practices ActIdaho-required Model Application Forms and DisclosuresInitial DisclosureID Interest Rate Lock-In Confirmation AgreementCx14157A licensee under the Idaho Residential Mortgage Practices Act (Idaho Code Ann. §§ 26-31-101 through 26-31-321)BothA 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)Idaho Residential Mortgage Practices ActIdaho-required Model Application Forms and DisclosuresInitial DisclosureID Commitment AgreementCx16367 (upon request)A person or entity engaged in the business of lending money or extending creditBothA loan of money or an extension of credit of $50,000 or more.Not specifiedNot specifiedIdaho Code Ann. § 9-505(5) (West 2013)NoInitial Disclosure, TILA Redisclosure, & ClosingInitial Truth-in-Lending Disclosure and Good Faith Estimate 01-01-10Cx18 (Federal), Cx1591 (Federal), & Cx14221 (Federal)Either: (1) a licensee under the Idaho Residential Mortgage Practices Act (Idaho Code Ann. §§ 26-31-101 through 26-31-321); or (2) a person subject to the Federal Consumer Credit Protection Act (15 USCA §§ 1601 et seq.) BothEither: (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)Idaho Credit Code – Regulation of Agreements and Practices and Idaho Residential Mortgage Practices Act12 CFR Pt. 1024, App. C; Pt. 1026, App. H; Form H-2Initial Disclosure, Processing, Underwriting, & ClosingNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn Cx4193 (FNMA/FHLMC)Any person engaged in the origination of a residential mortgage loanBothA 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)Idaho S.A.F.E. Mortgage Licensing ActFNMA 1003 Form - Uniform Residential Loan ApplicationInitial Disclosure & ClosingID Reserve Account DisclosureCx10170A mortgage companyBothA residential mortgage loan, in which an impound or escrow account is maintainedResidential real propertyNot specifiedIdaho Code Ann. § 26-2807 (West 2013)Mortgage Company ActNoInitial Disclosure & ClosingGood Faith Estimate 01-01-10 and HUD-1 01-01-10Cx14221 (Federal) & Cx14753 (Federal)Any person or individual subject to the Idaho S.A.F.E. Mortgage Licensing Act (Idaho Code Ann. §§ 26-31-301 through 26-31-321)BothA 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)Idaho S.A.F.E. Mortgage Licensing Act12 CFR Pt. 1024, App. A & CClick here for Table of ContentsClick here for Table of ContentsIllinois(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureIL Right to Choose TitleCx1097A person, firm, corporation, partnership, or association which may extend credit or make a loan.BothAn 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)Consumer Fraud and Deceptive Business Practices ActNoInitial DisclosureIL Borrower Information DocumentCx1206A licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat. Ann. 635)BothA 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)Residential Mortgage License Act of 1987Partial AdministrativeInitial DisclosureIL Mortgage Escrow Account ActCx1207A licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat. Ann. 635)BothA 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)Residential Mortgage License Act of 1987Mostly StatutoryInitial DisclosureIL Mortgage Awareness Program NoticeCx1902A lenderBothA 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)High Risk Home Loan ActNotice - Mortgage Awareness ProgramInitial DisclosureIL Mortgage Awareness WaiverCx1903A lenderBothA 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)High Risk Home Loan ActWaiver of Participation in Mortgage Awareness ProgramInitial DisclosureIL Loan Brokerage Disclosure StatementCx1908A licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat. Ann. 635)BrokersA 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)Residential Mortgage License Act of 1987NoInitial DisclosureIL Loan Brokerage AgreementCx1909A licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat. Ann. 635) who perform loan brokering servicesBrokersA 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)Residential Mortgage License Act of 1987NoInitial DisclosureAnti-Coercion Insurance DisclosureCx2778A licensee under the Consumer Installment Loan Act BothA 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)Consumer Installment Loan ActNoInitial DisclosureAdvanced Fee/Application DisclosureCx2783A licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat. Ann. 635)BothA 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)Residential Mortgage License Act of 1987NoInitial DisclosureIL Required Underwriting DocumentationCx4558A licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat. Ann. 635)BothA 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)Residential Mortgage License Act of 1987NoInitial DisclosureIL GFE Charges Paid by SellerCx13000A licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat. Ann. 635)BothA 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)Residential Mortgage License Act of 1987NoInitial DisclosureIL Notice to Borrower13001A lenderBothA 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)High Risk Home Loan ActStatutoryInitial DisclosureAddendum to Loan ApplicationCx13441Either: (1) not specified; or (2)a licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat. Ann. 635)BothEither: (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)Illinois Religious Freedom Protection and Civil Union Act and Residential Mortgage License Act of 1987NoInitial DisclosureIL Float/Rate-Lock Fee AgreementCx14101A licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat. Ann. 635)BothA 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); Dep’t of Fin. & Prof. Reg. Bulletin WD99/2Residential Mortgage License Act of 1987NoInitial DisclosureIL Pledged Time Deposit Account Disclosure – ExampleCx14180A licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat. Ann. 635)BothA 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)Mortgage Escrow Account Act and Residential Mortgage License Act of 1987NoInitial DisclosureIL Loan Approval NoticeCx14271 (upon request)A licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat. Ann. 635)BothA 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)Residential Mortgage License Act of 1987NoInitial DisclosureHigh Cost Tangible Net Benefit WorksheetCx15773 (upon request)A lenderBothA high risk home loanA borrower’s principal residenceNot specified815 Ill. Comp. Stat. Ann. 137/45 (West 2013)High Risk Home Loan ActNoInitial DisclosureIL Notice of Independent ReviewCx16096A lenderBothA high risk home loanA borrower’s primary residenceNot specified815 Ill. Comp. Stat. Ann. 137/125 (West 2013)High Risk Home Loan ActNotice of Independent ReviewInitial DisclosureIL Notice of Material Change in Loan TermsCx16217 (upon request)A licensee under the Residential Mortgage License Act of 1987 BothA 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)Residential Mortgage License Act of 1987NoInitial DisclosureIL Disclosure of Refinancing OptionsCx16232 (upon request)A licensee under the Residential Mortgage License Act of 1987 BothA 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)Residential Mortgage License Act of 1987NoAdverse Action & ClosingIL Failure to Close DisclosureCx1013A licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat. Ann. 635)BothA 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)Residential Mortgage License Act of 1987NoInitial Disclosure & ClosingIL Private Mortgage Insurance DisclosureCx1311A mortgageeBothA 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)Mortgage Insurance Limitation and Notification ActNoInitial Disclosure & Adverse ActionIL Failure to Qualify NoticeCx1603A licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat. Ann. 635)BothA 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)Residential Mortgage License Act of 1987NoInitial Disclosure & Adverse ActionIL Notice of Change Affecting LoanCx1605A licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat. Ann. 635)BothA 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)Residential Mortgage License Act of 1987NoInitial Disclosure, Processing, Underwriting, & ClosingNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn Cx4193 (FNMA/FHLMC)Any person originating a residential mortgage loanBothA 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)Residential Mortgage License Act of 1987FNMA 1003 Form - Uniform Residential Loan ApplicationInitial Disclosure & ClosingIL Notice of Material FactsCx16231 (upon request)A mortgage broker, who is licensed under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat. Ann. 635)BothA 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)Residential Mortgage License Act of 1987NoClosingAssignment Sale or Transfer of ServicingCx21 (Federal) A licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat. Ann. 635)BothA 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)Residential Mortgage License Act of 198712 CFR Pt. 1024, MS-2ClosingHomestead Waiver in IL MortgageOn Cx323 (FNMA/FHLMC), Cx376 (FHA), Cx481, & Cx1357Not specified, but practically a mortgageeBothA 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)Conveyances ActStatutoryFNMA Form 3014ClosingIL Escrow Account Disclosure AgreementCx1012A licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat. Ann. 635)BothA 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)Residential Mortgage License Act of 1987NoClosingIL Pledged Time Deposit Account DisclosureCx1014Either: (1) a mortgage lender; or (2) a licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat. Ann. 635)BothEither: (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)Mortgage Escrow Account Act and Residential Mortgage License Act of 1987NoClosingIL Collateral Protection Act NoticeCx1302A creditorBothA credit transactionPropertyIn or with the credit agreement815 Ill. Comp. Stat. Ann. 180/10(3) (2013)Collateral Protection ActStatutoryClosingIL Statement of Borrowers BenefitsCx1875A financial institutionBothA 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)Illinois Fairness in Lending ActNoClosingIL Mortgage Escrow Account Act ApplicabilityCx14127A licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat. Ann. 635), which is also not a lender required to comply with the Mortgage Escrow Account Act (765 Ill. Comp. Stat. Ann. 910)BothA 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)Residential Mortgage License Act of 1987NoClosingIL Mortgage Escrow Account ActCx16095Not specified, but practically a mortgage lenderLendersA purchase loanA residenceAt closing765 Ill. Comp. Stat. Ann. 910/11 (West 2013)Mortgage Escrow Account ActMostly StatutoryClick here for Table of ContentsClick here for Table of ContentsIndiana(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureAnti-Coercion Insurance DisclosureCx2778Either: (1) a creditor; or (2) not specifiedBothEither: (1) a consumer loan, which generally excludes first lien mortgage transactions; or (2) a mortgage loanEither: (1) an interest in land used (or expected to be used) as the debtor’s principal dwelling; or (2) real propertyNot specifiedInd. Code Ann. §§ 24-4.5-4-109 and 27-4-1-4(a)(9) & (12) (West 2012)Uniform Consumer Credit Code - InsuranceNoInitial DisclosureIN Mortgage Broker AgreementCx3828Either: (1) a loan broker licensed under Chapter 5, Article 2, Title 23 of Indiana’s Code; or (2) a licensee supervised by the Indiana Securities Commission.BrokersEither: (1) a residential mortgage loan; or (2) a loanA dwelling (as defined in Section 103[w] of TILA) or residential real estate on which a dwelling is (or is intended to be) constructedWithin 3 business days of the time an application for a loan is made to a licenseeInd. Code Ann. §§ 23-2-5-9 & 23-2-5-23 (West 2012); Ind. Admin. Code tit. 710, r. 1-22-5 (West 2013)Approved Indiana Loan Broker AgreementInitial DisclosureIN Notice to BorrowerCx13003A creditorBothA high cost home loanReal estate, on which there is (or will be) located a structure or structures designed primarily for 1-to-4 families and that is (or will be) the borrower’s principal dwelling Not later than 3 business days prior to consummation Ind. Code Ann. § 24-9-4-11 (West 2012)StatutoryInitial DisclosureIN Notice to BorrowerCx14601A creditorBothA mortgage loan, including most of the usual loans regulated by Indiana law (see Ind. Code Ann. § 24-5-23.5-4 for details)Real propertyNot later than 3 business days after receiving a completed written applicationInd. Code Ann. § 24-5-23.5-8 (West 2012)Borrower Notice FormInitial DisclosureCost of Insurance DisclosureCx16488A lenderLendersA consumer loan, which generally excludes first lien mortgage transactionsAn interest in land used (or expected to be used) as the debtor’s principal dwellingNot specified, but practically before charging for optional consumer credit insuranceInd. Code Ann. § 24-4.5-3-202(2) (West 2012)Uniform Consumer Credit Code - LoansNoInitial Disclosure & TILA RedisclosureConsumer Loan Information in Truth-in-Lending DisclosuresIn Cx18, Cx1591, and other TILA DisclosuresA lenderBothA 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)Uniform Consumer Credit Code - Loans12 CFR Pt. 1026, App. H; Form H-2Initial Disclosure, Processing, Underwriting, & ClosingNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn Cx4193 (FNMA/FHLMC) ................
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