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)Either: (1) a licensee under the First Lien Mortgage Lending Act – Miscellaneous; or (2)a person originating a mortgage transactionBothEither: (1) a first lien mortgage transaction; or (2) a mortgage transaction (a consumer loan)A 1-to-4 unit dwelling or residential real estate upon which a dwelling is constructed or intended to be constructedOn the applicationInd. Code Ann. § 24-4.4-2-405(2) (West 2012);750 Ind. Admin. Code 9-4-1(b) (West 2013)First Lien Mortgage Lending Act - MiscellaneousFNMA 1003 Form - Uniform Residential Loan ApplicationClosingHigh Cost Home Loan Legend, Document Preparation Disclosure, and Social Security Redactment Affirmation on IN MortgageOn Cx324 (FNMA/FHLMC), Cx377 (FHA), Cx482, & Cx1381Either: (1) not specified; or(2) an individualBothEither: (1) a high cost home loan; or (2) not specifiedEither: (1) real estate, on which is (or will be) located a structure designed principally for occupancy from 1-to-4 families and that is (or will be) occupied by the borrower’s principal dwelling; or (2) not specifiedNot specified, but practically at closingInd. Code Ann. §§ 24-9-4-1(1)(6) & 36-2-7.5-5 (West 2012)StatutoryFNMA Form 3015ClosingIN Property Tax Benefits (THIS FORM MUST BE PRINTED ON YELLOW OR GOLD PAPER)Cx14885Either: (1) a closing agent; or (2) a lenderBothEither: (1) a first lien purchase money mortgage or refinancing transaction; or (2) a consumer loan, which generally excludes first lien mortgage transactionsEither: (1) single family residential property; or (2) an interest in land used or expected to be used as the principal dwelling of the debtor, consisting of 1-to-4 unitsBefore closing a transactionInd. Code Ann. §§ 6-1.1-12-43 & 24-4.5-3-701 (West 2012)Uniform Consumer Credit Code - LoansIndiana Property Tax Benefits - State Form 51781ClosingTelephone Sales Contract Notice on All Notes and Security InstrumentsCx5 (FNMA/FHLMC), Cx324 (FNMAlFHLMC), Cx377 (FHA), Cx482, Cx1381, and others (all upon request)A sellerBothA mortgage made as a consequence of a telephone sales call (“cold calling”)Real estateAt closingInd. Code Ann. § 24-4.7-4-4(c) (West 2013); 11 Ind. Admin. Code 1-1-2 9 (West 2013)StatutoryClick here for Table of ContentsClick here for Table of ContentsIowa(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceFormatInitial DisclosureIA Payment Reduction Fee DisclosureCx1906A lenderBothA loan with a payment reduction fee, but excluding loans subject to Iowa Code Ann. § 636.46 (federally insured loans)A 1-to-2 family, dwelling occupied (or to be occupied) by the borrowerPrior to accepting an applicationIowa Code Ann. § 535.8(3) (West 2013)NoInitial DisclosureAnti-Coercion Insurance DisclosureCx2778Either: (1) a person; or (2) a financial institutionBothEither: (1) a loan of money or extension of credit; or (2) a real estate mortgage loanResidential property containing (or to contain) 1-to-4 family dwelling unitsNot specifiedIowa Code Ann. §§ 507B.5(1)(a) & 535A.9(1)(a) (West 2013)NoInitial DisclosureIA Broker AgreementCx5110A loan brokerBrokersA loanNot specifiedNot specifiedIowa Code Ann. §§ 535C.2(5) & 535C.7 (West 2013)Iowa Loan Brokers ActNoInitial DisclosureAddendum to Loan ApplicationCx13441Not specifiedBothNot specifiedNot specifiedNot specified, but practically at applicationVarnum v. Brien, 763 N.W.2d 862 (Iowa 2009)NoInitial DisclosureCost of Insurance DisclosureCx16488 (upon request)A creditorLendersA consumer credit transaction (consumer loan) of $25,000 or less, excluding a first lien used to purchase the property, refinance a purchase loan, or construct a dwelling on the propertyNot specifiedNot specified, but practically before charging for consumer credit insurance Iowa Code Ann. § 537.2501(2) (West 2013)Iowa Consumer Credit Code – Finance Charges and Related ProvisionsNoInitial Disclosure, TILA Redisclosure, & ClosingTILA DisclosuresCx18, Cx1531, and other TILA DisclosuresA personBothA consumer credit transaction (consumer loan) of $25,000 or less, excluding a first lien used to purchase the property, refinance a purchase loan, or construct a dwelling on the propertyNot specifiedVarious timesIowa Code Ann. § 537.3201 (West 2013)Iowa Consumer Credit Code – Regulation of Agreements and Practices12 CFR Pt. 1026, App. HInitial Disclosure, Processing, Underwriting, & ClosingNMLS Number Disclosed on 1003 Uniform Residential Loan ApplicationOn Cx4193 (FNMA/FHLMC)A 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 applicationIowa Code Ann. § 535D.19 (West 2013)Iowa Secure and Fair Enforcement for Mortgage Licensing ActFNMA 1003 Form - Uniform Residential Loan ApplicationInitial Disclosure, TILA Redisclosure, & ClosingIA Acknowledgement of Receipt of CopiesCx15276A lender or other secured partyBothA debtNot specifiedAt the time a document relating to a debt is signedIowa Code Ann. § 535.16 (West 2013)NoClosingAssignment, Sale, or Transfer of ServicingCx21 (Federal)Not specified, but practically the original creditorBothA consumer credit transaction (consumer loan) of $25,000 or less, excluding a first lien used to purchase the property, refinance a purchase loan, or construct a dwelling on the propertyNot specifiedNot specified, but practically before or at the time the loan is assignedIowa Code Ann. § 537.3204 (West 2013)Iowa Consumer Credit Code – Regulation of Agreements and Practices12 CFR Pt. 1024, App. MS-2ClosingNotice to Consumer on IA Mortgage Second and Fixed Rate Note Iowa SecondOn Cx479 & Cx1044A creditorBothA consumer credit transaction (consumer loan) of $25,000 or less, excluding both open end credit and a first lien used to purchase the property, refinance a purchase loan, or construct a dwelling on the propertyNot specifiedOn any writing evidencing a consumer credit transactionIowa Code Ann. § 537.3203 (West 2013)Iowa Consumer Credit Code – Regulation of Agreements and PracticesStatutoryClosingHomestead Waiver on IA Mortgage, IA Mortgage FHA, IA Mortgage Second, and HELOC Mortgage Less than 25000 – IAOn Cx321 (FNMA/FHLMC), Cx374 (FHA), Cx479, & Cx1377Not specified, but practically the lenderBothNot specifiedA homesteadOn a written contractIowa Code Ann. § 561.22(1)(a) (West 2013)StatutoryFNMA Form 3016ClosingIA Oral Agreement DisclosureCx1021A lenderBothA credit agreement, which is a contract for a loan, but cannot be for open-end and HELOC loans, and the loan amount must exceed $20,000Not specifiedAt or after the time the credit agreement is made.Iowa Code Ann. § 535.17(2) & (3) (West 2013)StatutoryClosingIA Notice to CosignersCx1022Not specified, but practically by the lenderBothA consumer credit transaction (consumer loan) of $25,000 or less, excluding a first lien used to purchase the property, refinance a purchase loan, or construct a dwelling on the propertyNot specifiedBefore or contemporaneously with signing any agreement of obligation or any writing setting forth the terms of the debtor’s agreementIowa Code Ann. § 537.3208 (West 2013)Iowa Consumer Credit Code – Regulation of Agreements and PracticesStatutoryClosingConsumer Credit Transaction Notice on Fixed Rate Note Iowa SecondOn Cx1044Not specified, but practically by the lenderBothA consumer credit transaction (consumer loan) of $25,000 or less, excluding a first lien used to purchase the property, refinance a purchase loan, or construct a dwelling on the propertyNot specifiedOn the fact of the negotiable instrumentIowa Code Ann. § 537.3211 (West 2013)Iowa Consumer Credit Code – Regulation of Agreements and PracticesStatutoryClosingHUD-1 01-01-10Cx14222 (Federal)A lenderBothA loan, which is for the purpose of purchasing the property or for refinancing a prior loan, excluding loans subject to Iowa Code Ann. § 636.46 (federally insured loans)A 1-to-2 family, dwelling occupied (or to be occupied) by the borrowerNot specified, but practically before charging the disclosed feesIowa Code Ann. § 535.8(2)(b) (West 2013)12 CFR Pt. 1024, App. AClick here for Table of ContentsClick here for Table of ContentsKansas(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureKS High LTV Consumer NoticeCx1595A lender, excluding a supervised financial organizationBothA consumer credit transaction (consumer loan), which is either: (1) a primary lien; or (2) a junior lien, either of which have a LTV exceeding 100%A consumer’s principal residenceNot less than 3 days before the loan is madeKan. Stat. Ann. § 16a-3-207(3)(b) & (4) (West 2012)Revised Uniform Consumer Credit Code – Regulation of Agreements and PracticesNoInitial DisclosureKS Borrower AcknowledgmentCx3585A licensee (mortgage company) under the Kansas Mortgage Business ActBothA mortgage loanA lot intended for residential purposes or a 1-to-4 family dwelling (as defined in section 103[v] of TILA), which is owner-occupiedBefore entering into any contract for services, or receiving compensation or promises of compensation.Kan. Stat. Ann. § 9-2208(b) (West 2012); Kan. Admin. Regs. § 17-24-1 (2013)Kansas Mortgage Business ActMostly AdministrativeInitial DisclosureLoan Brokerage AgreementCx3841 (upon request)A loan broker registered under Article 10, Chapter 50 of Kansas’ StatutesBrokersA loan Not specifiedNot specifiedKan. Stat. Ann. §§ 50-1007 & 50-1015(a)(1) (West 2012)NoInitial DisclosureAnti-Coercion Insurance DisclosureCx4172A creditorBothA consumer credit transaction (consumer loan), which is either: (1) a primary lien if the LTV exceeds 100% or the APR exceeds the code mortgage rate; or (2) a junior lienLandOn the loan agreement or other instrumentKan. Stat. Ann. § 16a-4-109 (West 2012)Revised Uniform Consumer Credit Code - InsuranceNoInitial DisclosureKS Loan Broker DisclosureCx4248 A loan broker registered under Article 10, Chapter 50 of Kansas’ StatutesBrokersA loan Not specifiedAt least 7 days before either a contract for services is signed or consideration is received, whichever occurs firstKan. Stat. Ann. § 50-1006(a) & (b) (West 2012)Partial StatutoryInitial DisclosureDual Capacity DisclosureCx12999 (upon request)Either: (1) a licensee (mortgage company) under the Kansas Mortgage Business Act; or (2) a licensee or registrant under the Uniform Consumer Credit Code, either of whom also acts as a real estate broker or agent in connection with the transactionBothEither: (1) a mortgage loan; or (2) a residential mortgage loan, either of which are made in connection with the sale of the real estateEither: (1) a lot intended for residential purposes or a 1-to-4 family dwelling (as defined in section 103[v] of TILA), which is owner-occupied; or (2) A dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which a dwelling is (or is intended to be) constructedBefore receiving compensationKan. Stat. Ann. §§ 9-2212(g) & 16a-2-310(e) (West 2012)Kansas Mortgage Business Act andUniform Consumer Credit Code – Finance Charges and Related ProvisionsNoInitial DisclosureCost of Insurance DisclosureCx16488 (upon request)A creditorLendersA consumer credit transaction (consumer loan), which is either: (1) a primary lien if the LTV exceeds 100% or the APR exceeds the code mortgage rate; or (2) a junior lienLandNot specified, but practically before charging for additional credit insuranceKan. Stat. Ann. § 16a-2-501(2) (West 2012)Revised Uniform Consumer Credit Code – Finance Charges and Related ProvisionsNoInitial DisclosureKS Estimated Disclosure DocumentCx16584 (upon request)A loan broker registered under Article 10, Chapter 50 of Kansas’ StatutesBrokersA loan which is also covered by the Truth-in-Lending Act (15 USCA §§ 1601 through 1667e)Not specifiedBefore the borrower becomes contractually obligated on the loanKan. Stat. Ann. § 50-1006(d) (West 2012)Partial StatutoryInitial Disclosure, TILA Redisclosure, & ClosingVarious TILA DisclosuresCx18, Cx1591, and other TILA Disclosures (All Federal)A creditorBothA consumer credit transaction (consumer loan), which is either: (1) a primary lien if the LTV exceeds 100% or the APR exceeds the code mortgage rate; or (2) a junior lienLandAt various timesKan. Admin. Regs. § 75-6-26 (2013)Uniform Consumer Credit Code12 CFR Pt. 1026, App. G & HClosingVarious Kansas Notes and MortgagesCx5 (FNMA/FHLMC), Cx36 (FHA), Cx325 (FNMA/FHLMC), Cx378 (FHA), Cx483, and Cx1048A creditorBothA closed-end consumer credit transaction (consumer loan), which is either: (1) a primary lien if the LTV exceeds 100% or the APR exceeds the code mortgage rate; or (2) a junior lienLandOn the written loan agreementKan. Stat. Ann. § 16a-3-202 (West 2012)Revised Uniform Consumer Credit Code – Regulation of Agreement and PracticesStatutoryFNMA Form 3200FNMA Form 3017ClosingKS UCCC AddendumCx4448A lenderBothEither: (1) a first mortgage loan made subject to the Uniform Consumer Credit Code (Kan. Stat. Ann. §§ 16a-1-101 through 16a-9-102); or (2) a consumer loan made subject to Kan. Stat. Ann. § 16-207(b), which is either: (a) a primary lien if the LTV exceeds 100% or the APR exceeds the code mortgage rate; or (b) a junior lienNot specifiedNot specifiedKan. Stat. Ann. §§ 16-207(b) & 16a-1-109 (West 2012); Kan. Admin. Regs. § 75-6-1 (2013)NoClick here for Table of ContentsClick here for Table of ContentsKentucky(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureAnti-Coercion Insurance DisclosureCx2778Either: (1) a financial institution; or (2) a creditor or lenderLendersEither: (1) A loan or extension of credit; or (2) A debt or loanPropertyWhen application approval is pending and insurance is offered or required.Ky. Rev. Stat. Ann. §§ 304.9-135(2)(b) & (c) and 304.12-150 (West 2012); 806 Ky. Admin. Regs. 9:190(3) (2013)Form FI-02 Notice of Free Choice of Agent and Insurer, Available from Department of InsuranceInitial DisclosureKY Mortgage Loan Broker Agent DisclosureCx3825A mortgage loan brokerBrokersA residential mortgage loanResidential real property, which is a dwelling (as defined in 15 USCA § 1602[v]) or any real property upon which is (or is intended to be) constructed a dwellingNot specifiedKy. Rev. Stat. Ann. § 286.8-270(1)(b) (West 2012)Mortgage Licensing and Regulation ActNoInitial DisclosureKY Commitment DisclosureCx3826A mortgage loan company or a loan brokerBothA loan commitment or funding, presumably for a mortgage loanResidential real property, which is a dwelling (as defined in 15 USCA § 1602[v]) or any real property upon which is (or is intended to be) constructed a dwellingNot specifiedKy. Rev. Stat. Ann. §§ 286.8-120(7) & 286.8-270(2) (West 2012)Mortgage Licensing and Regulation ActNoInitial DisclosureKY Notice to Borrower – High Cost LoansCx4264A lender, including mortgage brokers and finance companiesBothA high-cost home loanResidential real property which is (or will be) the borrower’s principal dwellingAt least 3 business days before consummationKy. Rev. Stat. Ann. § 360.100(2)(h) (West 2012)StatutoryInitial DisclosureAffiliated Business DisclosureCx11413 (Federal)A mortgage loan company, a mortgage loan broker, or a lenderBothA mortgage loanResidential real property, which is a dwelling (as defined in 15 USCA § 1602[v]) or any real property upon which is (or is intended to be) constructed a dwellingAt the time when the Good Faith Estimate is provided808 Ky. Admin. Regs. 12:050(3) (2013)Mortgage Licensing and Regulation Act12 CFR Pt. 1024, App. DInitial Disclosure, Processing, Underwriting, & ClosingNMLS Unique Identifier Disclosure on 1003 Uniform Residential Loan ApplicationOn Cx4193 (FNMA/FHLMC)Any person originating a mortgage loanBothA mortgage loanResidential real property, which is a dwelling (as defined in 15 USCA § 1602[v]) or any real property upon which is (or is intended to be) constructed a dwellingOn the applicationKy. Rev. Stat. Ann. § 286.8-030(5)Mortgage Licensing and Regulation ActFNMA 1003 Form - Uniform Residential Loan ApplicationInitial Disclosure, TILA Redisclosure, & ClosingHUD 01-01-10 and Itemization of Amount Financed 01-01-10Cx14222 (Federal) & Cx14644 (Federal)A mortgage loan company or a mortgage loan brokerBothA mortgage loanResidential real property, which is a dwelling (as defined in 15 USCA § 1602[v]) or any real property upon which is (or is intended to be) constructed a dwellingNot specified, but practically at closing808 Ky. Admin. Regs. 12:050(1) (2012)Mortgage Licensing and Regulation Act12 CFR Pt. 1024, App. A; Pt. 1026, App. H; Form H-3ClosingKY Fair Housing DisclosureCx11145A person or entity engaged in real estate-related transactionsBothA financing of real propertyReal propertyAt the time of sale, purchase, or financing of real property104 Ky. Admin. Reg. 1:010(4) (2013)Fair Housing BrochureClosingKY Homeownership Protection Center Notification to HomeownersCx13677A mortgageeBothNot specifiedNot specifiedAt the time of closingKy. Rev. Stat. Ann. §§ 198A.400 & 286.2-020(2) (West 2012)Mae Street Kidd Kentucky Housing Corporation ActNotification to Homeowners of the Kentucky Homeownership Protection CenterClick here for Table of ContentsClick here for Table of ContentsLouisiana(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureLA Loan Brokerage Agreement and Disclosure StatementCx3318 (upon request)A loan brokerBrokersA consumer loan or a federally related mortgage loan (if contracted for) that is a first lienIf a federal related mortgage loan, a dwelling (as defined in 15 USCA § 1602[v]) or residential immovable property upon which is (or is intended to be) constructed a dwellingWith the applicationLa. Rev. Stat. Ann. §§ 9:3572.10 & 9:3572.11 (2012)Louisiana Consumer Credit LawNoInitial DisclosureAnti-Coercion Insurance DisclosureCx4172Either: (1) the extender of credit; or (2) the mortgagee or a lenderBothEither: (1) a consumer credit transaction (consumer loan), generally excluding federally related mortgage loans; or (2) a mortgageImmovable propertyNot specifiedLa. Rev. Stat. Ann. §§ 9:3544 & 22:1964(9) (2012)Louisiana Consumer Credit Law and Louisiana Insurance CodeNoInitial DisclosureLA Mortgage Loan Origination AgreementCx4828A mortgage brokerBrokersA residential mortgage loanA dwelling (as defined in 15 USCA § 1602[v]) or residential immovable property upon which is (or is intended to be) constructed a dwellingNo later than 3 days after the initial loan application date.La. Rev. Stat. Ann. § 6:1098 (2012)Louisiana S.A.F.E. Residential Mortgage Lending ActPartial StatutoryInitial DisclosureLA Application Fee DisclosureCx11909A licensee under the Louisiana S.A.F.E. Residential Mortgage Lending Act (La. Rev. Stat. Ann. §§ 6:1081 through 6:1104 )BothA residential mortgage loanA dwelling (as defined in 15 USCA § 1602[v]) or residential immovable property upon which is (or is intended to be) constructed a dwellingPrior to collecting an application feeLa. Rev. Stat. Ann. § 6:1096(J)(1) (2012)Louisiana S.A.F.E. Residential Mortgage Lending ActNoClosing3200 Note Fixed, LA Mortgage Second, Fixed Rate Note Louisiana Second, HUD-1 01-01-10, and any other applicable Louisiana promissory notesCx5 (FNMA/FHLMC), Cx485, Cx1050, Cx14222 (Federal), and other Louisiana promissory notesA party to the loan (i.e. a lender)LendersA federally related mortgage loan (which is a first mortgage), a residential mortgage loan other than a federally related mortgage loan, and a consumer loanResidential immovable property (upon which there is, or will be, constructed a dwelling), including an immobilized 1-to-4 family mobile homeNot specified, but practically at closingLa. Rev. Stat. Ann. §§ 6:1096 & 6:1097 (2012)Louisiana S.A.F.E. Residential Mortgage Lending ActFNMA Form 320012 CFR Pt. 1024, App. AClosingLA Title Insurance RiderCx16234Not specifiedBothA mortgage in connection with the sale, conveyance, transfer or other act transferring an interest in the property1-to-4 family residential property As a part of the mortgageLa. Rev. Stat. Ann. § 22:513.1 (2012)Louisiana Title Insurance ActNoClick here for Table of ContentsClick here for Table of ContentsMaine(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureME Notification to Buyer of Withholding Tax RequirementCx1570A real estate escrow person, including a mortgage lenderBothA mortgage, lien, or encumbrance used as a means for purchasing real property for $50,000 or more from a nonresident sellerReal propertyNot specifiedMe. Rev. Stat. Ann. tit. 36, § 5250-A(9) (2011)Maine Income Tax LawREW-4 - Notification of Buyer(s) of Withholding Tax RequirementInitial DisclosureAnti-Coercion Insurance DisclosureCx2778A creditor or a lender, the latter of which includes a financial institution, credit union, or supervised lenderBothA loanNot specifiedAt the time of application or at the outset of negotiations.Me. Rev. Stat. Ann. tit. 24-A, § 2169 (2011)The Maine Insurance CodeNoInitial DisclosureME Right to Own Attorney DisclosureCx3279Either: (1) a supervised lender; (2) a creditor; or (3) a financial institution or credit union authorized to do business in MaineBothEither: (1) a residential mortgage loan; or (2) a consumer credit transaction (consumer loan)1-to-4 residential unitsNot specifiedMe. Rev. Stat. Ann. tit. 9-A, §§ 3-311 & 9-303; tit. 9-B, § 241(4) (2011)Maine Consumer Credit Code – Regulation of Agreements and PracticesNoInitial DisclosureME Balloon Addendum to Loan ApplicationCx3394A creditorBothA consumer credit transaction (consumer loan) with a term of 4 years or less, excluding open-end credit and generally excluding purchase, refinance of a purchase, construction, and first lien loans Manufactured housing or an interest in landNot specifiedMe. Rev. Stat. Ann. tit. 9-A, § 3-308 (2011)Maine Consumer Credit Code – Regulation of Agreements and PracticesNoInitial DisclosureME Disclosure to ConsumerCx3764Either: (1) a loan broker; or (2) a credit services organizationBothEither: (1) an extension of credit; or (2) consumer credit, presumably a consumer credit transaction (consumer loan)Manufactured housing or an interest in landBefore any agreement is entered into or any money is paid by a consumer (whichever occurs first)Me. Rev. Stat. Ann. tit. 9-A, § 10-303 (2011); 02-030 Code Me. R., ch. 350, § 4(c) & (e)Maine Consumer Credit Code – Loan BrokersDisclosure - Written Disclosure; required by Section 10-303Initial DisclosureME Broker Agreement and Good Faith Estimate 01-01-10Cx4517 & Cx14221 (Federal)Either: (1) a loan broker; or (2) a credit services organizationBrokersConsumer credit, presumably a consumer credit transaction (consumer loan)Manufactured housing or an interest in landNot specifiedMe. Rev. Stat. Ann. tit. 9-A, § 10-302 (2011); 02-030 Code Me. R. ch. 350, § 4(B) & (E) (2013)Maine Consumer Credit Code – Loan BrokersLoan Broker Agreement12 CFR Pt. 1024, App. AInitial DisclosureME HCL or HPML Reasonable Tangible Net Benefit Disclosure FormCx13190 or Cx16407A creditor, including a mortgage broker, but excluding a supervised financial organizationBothA high-cost mortgage loan or a higher-priced mortgage loan which refinances a residential mortgage loanResidential real property that contains the borrower’s principal dwelling and consists of 1-to-4 family unitsPrior to or upon making the new high-cost mortgage loan or higher-priced mortgage loan02-030 Code Me. R. ch. 550, §§ 5(3), (4) & (6) and 6 Att. A (2012)AdministrativeInitial DisclosureAddendum to Loan ApplicationCx13441Not specifiedBothNot specifiedNot specifiedNot specified, but practically at applicationMe. Rev. Stat. Ann. tit. 19-A, § 650-A (2011)NoInitial DisclosurePrivacy Policy NoticeCx15182 (Federal)A creditor, but not a supervised financial organizationBothA consumer credit transaction (consumer loan)Manufactured housing or an interest in landNo later than when a customer relationship is establishedMe. Rev. Stat. Ann. tit. 9-A, §§ 3-314 & 9-310 (2011)Maine Consumer Code and Maine Consumer Credit Code – Regulation of Agreements and Practices12 CFR Pt. 1016, App. AInitial DisclosureME Alternative Mortgage Transaction DisclosuresCx15798, Cx15799, or Cx15800A creditor (a supervised lender) or a financial institution, but excluding a supervised financial organizationBothAn alternative mortgage transaction, which is a primary lien, has a term of more than 1 year, and is a purchase loan, refinance thereof, or a construction loan, but not an open-end credit planA 1-to-4 family dwellingAt the time an application form is provided or before the applicant pays a nonrefundable fee, whichever is earlier02-029 Code Me. R. ch. 119, §§ 4 & 5 and 02-030 Code Me. R. ch. 250, §§ 4 & 5 (2012)NoInitial DisclosureCost of Insurance DisclosureCx16488 (upon request)The creditorBothA consumer credit transaction (consumer loan), which generally excludes purchase, refinance of a purchase, construction, and first lien loansManufactured housing or an interest in landNot specified, but practically before charging for any of the disclosed insurancesMe. Rev. Stat. Ann. tit. 9-A, § 2-501(2) (2011)Maine Consumer Credit Code – Finance Charges and Related ProvisionsNoInitial DisclosureME PMI DisclosureCx16590 (upon request)A supervised lender or a loan brokerBothA mortgage loanResidential real propertyAt the time of applicationMe. Rev. Stat. Ann. tit. 33, § 507 (2011)NoInitial DisclosureInvestigate Credit Report Disclosure URA person who seeks to conduct an investigative consumer reportBothAn economic benefitNot specifiedEither at the time of application or any time not less than 3 business days before the date on which the investigation is begunMe. Rev. Stat. Ann. tit. 10, § 1314 (2011)Fair Credit Reporting ActNoAdverse ActionAddendum to Statement of Credit Denial, Termination, or ChangeCx15905A person who takes adverse action against a consumerBothCredit for personal, family, or household purposesNot specifiedWithin a reasonable period of time, upon the consumer’s written request for the reasons for the adverse action received within 60 days after learning of such adverse actionMe. Rev. Stat. Ann. tit. 10, § 1320(1-B) & (2) (2011)Fair Credit Reporting ActNoInitial Disclosure, TILA Redisclosure, & ClosingInitial Truth-in-Lending Disclosure and other TILA DisclosuresCx1591 and other TILA DisclosuresEither: (1) a creditor; or (2) a loan broker and its mortgage loan originatorsBothEither: (1) a consumer credit transaction (consumer loan); or (2) consumer credit, presumably a consumer loanManufactured housing or an interest in landAt various timesMe. Rev. Stat. Ann. tit. 9-A, §§ 8-504 & 10-307-A (2011)Maine Consumer Credit Code – Truth-in-Lending and Maine Consumer Credit Code – Loan Brokers12 CFR Pt. 1026, App. G & HInitial Disclosure & Adverse ActionAppraisal DisclosureCx3397Either: (1) a creditor; or (2) a financial institutionBothA consumer credit transaction (consumer loan) Either: (1) manufactured housing or an interest in land; or (2) real estateNot specified, but practically within 90 days of taking action on the application (or the application is withdrawn), or at the date of closing, whichever is later.Me. Rev. Stat. Ann. tit. 9-A, §§ 3-313 & 9-309; tit. 9-B, § 447 (2011)Maine Consumer Credit Code – Regulation of Agreements and PracticesNoInitial 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 loan A 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 applicationMe. Rev. Stat. Ann. tit. 9-A, § 13-118 (2011)The Maine Secure and Fair Enforcement for Mortgage Licensing Act of 2009FNMA 1003 Form - Uniform Residential Loan ApplicationInitial Disclosure & ClosingGood Faith Estimate 01-01-10, HUD-1 01-01-10, and other RESPA DisclosuresCx14221, Cx14222, and other RESPA disclosuresA loan broker and its mortgage loan originators, but generally excluding supervised financial organizations and supervised lendersBothConsumer creditNot specifiedAt various timesMe. Rev. Stat. Ann. tit. 9-A, § 10-307 (2011)Maine Consumer Credit Code – Loan Brokers12 CFR Pt. 1024, AppendicesClosingAssignment, Sale, or Transfer of ServicingCx21 (Federal)A supervised lenderBothA supervised loanReal estate, manufactured housing, or an interest in landBefore assignment of the loanMe. Rev. Stat. Ann. tit. 9-A, § 2-310 (2011)Maine Consumer Credit Code – Finance Charges and Related Provisions12 CFR Pt. 1024, App. MS-2ClosingME Notice to CosignersCx1020A creditorBothA consumer credit transaction (consumer loan), which generally excludes purchase, refinance of a purchase, construction, and first lien loansManufactured housing or an interest in landBefore or contemporaneously with signing any writing setting forth the debtor’s agreementMe. Rev. Stat. Ann. tit. 9-A, § 3-206 (2011)Maine Consumer Credit Code – Regulation of Agreements and Practices12 CFR §§ 227.14(b)(1), 535.13(c)(1) & 706.3(b)(1) (2012); 16 CFR § 444.3(c) (2012)ClosingME HELOC Notice of Mortgage and Request for Notice of DefaultCx4885A person who acquires any rights in or liens upon the mortgaged real estateBothA lienReal estateAfter all filings and recordings are madeMe. Rev. Stat. Ann. tit. 33, § 505 (2011)NoClosingME Important Notice About Property TaxesCx13569Real estate lendersBothNot specified, but practically purchase-type transactionsReal estateAt any point in the process of the transfer of property when the allocation of property taxes is discussed and with any notices relating to property tax liens2008 Me. Legis. Serv. 687, § 2 (West)StatutoryGuidance DocumentClosingME Certification of Smoke and Carbon Monoxide AlarmsCx14524The purchaserBothNot specified, but practically a purchase transactionA single-family dwelling or a multi-apartment buildingWithin 30 days of acquisition or occupancy of the dwelling, whichever is laterMe. Rev. Stat. Ann. tit. 25, §§ 2464(10) & 2468(6) (2011)Certification of Smoke & Carbon Monoxide Alarm for Real Estate TransferClick here for Table of ContentsClick here for Table of ContentsMaryland(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureMD Financing AgreementCx2171Either: (1) a lender; or (2) a credit grantor licensed under the Maryland Mortgage Lender Law (Md. Code Ann., Fin. Inst. §§ 11-501 through 11-524)BothA purchase money loan, or a refinance, which is also a first mortgage or first deed of trustOwner-occupied real property having a 1-to-4 family dwellingWithin 10 business days after the date the application is completedMd. Code Ann., Com. Law §§ 12-125(b), 12-922(b), & 12-1022(b) (West 2012); Md. Code Regs. 09.03.06.06 (2012)NoInitial DisclosureMD Settlement Services DisclosureCx2361A lenderBothEither: (1) a first mortgage or first deed of trust; or (2) any loan secured by a mortgage or deed of trustA borrower’s primary residenceAt application or within 3 days after application, or earlier upon request.Md. Code Ann., Com. Law §§ 12-119 & 12-120(c) (West 2012)NoInitial DisclosureAnti-Coercion Insurance DisclosureCx2778Either: (1) a lender; or (2) a personBothEither: (1) a loan made under Subtitle 1, Title 12 of Maryland’s Commercial Law (Md. Code Ann., Com. Law §§ 12-101 through 12-127); or (2) a loanNot specifiedNot specifiedMd. Code Ann., Com. Law §§ 12-124 (West 2012); Md. Code Ann., Ins. § 27-214 (West 2012)NoInitial DisclosureMD Notice of WaiverCx3278Either: (1) a lender; or (2) a credit grantor licensed under the Maryland Mortgage Lender Law (Md. Code Ann., Fin. Inst. §§ 11-501 through 11-524)BothA purchase money loan, or a refinance, which is also a first mortgage or first deed of trustOwner-occupied real property having a 1-to-4 family dwellingAt least 72 hours before the time of settlementMd. Code Ann., Com. Law §§ 12-125(c)(2), 12-922(c)(2), & 12-1022(c)(2) (West 2012); Md. Code Regs. 09.03.06.14 (2012)NoInitial DisclosureMD Application DisclosureCx3579A licensee under the Maryland Mortgage Lender Law (Md. Code Ann., Fin. Inst. §§ 11-501 through 11-524)BothA mortgage loan, which is for the purchase of propertyAn owner-occupied dwelling or residential real estate on which a dwelling is (or is intended to be) constructedAt the time the borrower elects the type of loan applied forMd. Code Regs. 09.03.06.09(C)Maryland Mortgage Lender LawNoInitial DisclosureMD Covered Loan Application Disclosure and MD Important Notice Regarding Housing CounselingCx3824 and Cx15232A lender, including a licensee under the Maryland Mortgage Lender Law (Md. Code Ann. Fin. Inst. §§ 11-501 through 11-524) and a person who makes secondary mortgage loans, but who is exempt from licensing under the Maryland Mortgage Lender LawBothEither: (1) a covered loan, including a secondary mortgage loan; (2)a mortgage loan; or (3) a reverse mortgageAn owner-occupied dwelling or residential real estate on which a dwelling is (or is intended to be) constructedAt the time the borrower completes the applicationMd. Code Ann., Com. Law §§ 12-409.1(d)(2) & 12-1303 (West 2012); Md. Code Regs. 05.19.01.03 & 09.03.06.18(C)(1)(b) (2012)Notice and List of HUD Approved Housing Counseling AgenciesInitial DisclosureMD Loan CommitmentCx4174Either: (1) a lender; or (2) a credit grantor licensed under the Maryland Mortgage Lender Law (Md. Code Ann., Fin. Inst. §§ 11-501 through 11-524)BothA purchase money loan, or a refinance, which is also a first mortgage or first deed of trustOwner-occupied real property having a 1-to-4 family dwellingAt least 72 hours before the time of settlementMd. Code Ann., Com. Law §§ 12-125(c)(1), 12-922(c), & 12-1022(c) (West 2012); Md. Code Regs. 09.03.06.06(C)(2) (2012)Maryland Mortgage Lender LawNoInitial DisclosureMD Right to Rescind After Written ApplicationCx4177A lenderBothA mortgage loan for the purchase of propertyA single family residential real property improved by 1-to-4 single family units, but not property that has never been occupied or for which a certificate of occupancy has been issued within 1 year before the sales contractAfter receiving the loan applicationMd. Code Ann., Real Prop. § 10-702(h)(2)(ii) (West 2012)NoInitial DisclosureMD Right to Rescind Before ApplicationCx4178A lenderBothA mortgage loan for the purchase of propertyA single family residential real property improved by 1-to-4 single family units, but not property that has never been occupied or for which a certificate of occupancy has been issued within 1 year before the sales contractAt or before the time application is madeMd. Code Ann., Real Prop. § 10-702(h)(2)(i) (West 2012)NoInitial DisclosureMD Broker ContractCx4565Either: (1) a mortgage broker; (2) a person; or (3) a licensee under the Maryland Mortgage Lender Law (Md. Code Ann., Fin. Inst. §§ 11-501 through 11-524) who is acting as a mortgage brokerBrokersEither: (1) a loan or advance of money; or (2) a mortgage loanAn owner-occupied dwelling or residential real estate on which a dwelling is (or is intended to be) constructedBefore undertaking to assist the borrower in obtaining a loanMd. Code Ann., Com. Law §§ 12-805(c) & (d) and 12-806 (West 2012); Md. Code Regs. 09.03.06.07 & 09.03.06.11 (2012)Maryland Mortgage Lender LawNoInitial DisclosureAddendum to Loan ApplicationCx13441Not specifiedBothNot specifiedNot specifiedNot specifiedMd. Code Ann., Fam. Law § 2-201 (West 2012)NoInitial DisclosureMD Net Tangible Benefit WorksheetCx13909Either: (1) a licensee under the Maryland Mortgage Lender Law (Md. Code Ann., Fin. Inst. §§ 11-501 through 11-524); or (2) a mortgage loan originatorBothA refinance of a mortgage loanAn owner-occupied dwelling or residential real estate on which a dwelling is (or is intended to be) constructedNot specifiedMd. Code Regs. 09.03.06.20 & 09.03.09.04 (2012)Maryland Mortgage Lender LawNet Tangible Benefit WorksheetAdverse ActionStatement of Credit Denial, Termination or ChangeCx15858 (Federal)A lender or credit grantor who is either: (1) regulated under Title 12 of Maryland’s Commercial Law; or (2) a credit union making a loan under § 6-601(e) of the Financial Institutions ArticleBothCredit or an extension of creditNot specifiedWithin 30 days after receipt of a completed application for creditMd. Code Ann., Com. Law §§ 14-1702, 14-1703, 14-1704, & 14-1705 (West 2012)12 CFR Pt. 1002, App. C; Form C-1Initial Disclosure & ClosingCopy of Appraisal Report NoticeCx6 (Federal)Either: (1) a bank, mortgage banker, savings and loan association, or any other lender; or (2) a licensee under the Maryland Mortgage Lender Law (Md. Code Ann., Fin. Inst. §§ 11-501 through 11-524)BothA loan transactionEither: (1) residential real property; or (2) residential real estate upon which an owner-occupied dwelling is or will be locatedNot specifiedMd. Code Ann., Real Prop. § 14-104.1 (West 2012); Md. Code Regs. 09.03.06.10(C) (2012)Maryland Mortgage Lender Law12 CFR Pt. 1002, App. C; Form C-9Initial Disclosure, TILA Redisclosure, & ClosingTruth-in-Lending Disclosure or Initial Truth-in-Lending DisclosureCx18 (Federal) or Cx1591 (Federal)Either: (1) a lender who makes loans under Subtitle 1, Title 12 of Maryland’s Commercial Law (Md. Code Ann., Com. Law §§ 12-101 et seq.); (2) a lender who makes loans under the Maryland Consumer Loan Law – Credit Provisions (Md. Code Ann., Com. Law §§ 12-301 et seq.);(3) a lender; or(4) a credit grantor.BothEither:(1) a loan under Subtitle 1, Title 12 of Maryland’s Commercial Law (Md. Code Ann., Com. Law §§ 12-101 et seq.);(2) a loan under the Maryland Consumer Loan Law – Credit Provisions (Md. Code Ann., Com. Law §§ 12-301 et seq.);(3) a mortgage loan;(4) a revolving credit plan; or(5) a loan (closed-end credit)A dwelling or residential real estate on which a dwelling will be located, which is owner-occupiedBefore execution of a loan contractMd. Code Ann., Com. Law §§ 12-106(b), 12-308(a)(1)(ii), 12-805(c), 12-914(b), & 12-1014(b) (West 2012)Maryland Consumer Loan Law – Credit Provisions12 CFR Pt. 1026, App. H; Form H-2Initial Disclosure & ClosingMD Closing Attorneys Fee CertificationCx3513 (upon request)A lenderBothAny loan secured by a mortgage or deed of trust, but excluding commercial loansA borrower’s primary residenceAt or prior to settlementMd. Code Ann., Com. Law § 12-120(b) (West 2012)NoInitial Disclosure & ClosingMaryland DLLR DisclosureCx13900, Cx13901, Cx13902, or Cx13903 (upon request)A regulated person, who is subject to the regulatory authority of the Commissioner of Financial Regulation pursuant to the Financial Institutions or Commercial Law articlesBothA mortgage loan which either: (1) includes a balloon payment; (2) does not provide for the establishment of an escrow account; or (3) includes a mandatory binding arbitration clauseAn owner-occupied dwelling or residential real estate on which a dwelling is (or is intended to be) constructedWithin 10 business days after application is completed and not less than 72 hours before the time of settlementMd. Code Regs. 09.03.10.03 (2012)AdministrativeInitial Disclosure & ClosingGood Faith Estimate 01-01-10 and HUD-1 01-01-10Cx14221 (Federal) & Cx14222 (Federal)A licensee under the Maryland Mortgage Lender Law (Md. Code Ann., Fin. Inst. §§ 11-501 through 11-524)BothA mortgage loanA dwelling or residential real estate on which a owner-occupied dwelling is (or is intended to be) constructedVariousMd. Code Regs. 09.03.06.07(C) (2012)Maryland Mortgage Lender Law12 CFR Pt. 1024, App. A & CInitial Disclosure & ClosingMD Tax Property AffidavitCx15803The original mortgagorA mortgage or deed of trust, which is a refinance loanReal property which is the principal residence of the original mortgagorAt closing or recordingMd. Code Ann., Tax-Prop. § 12-108(g)(3) & (g)(4) (West 2012)Model Form (Howard County)ClosingAffidavits of Consideration and Disbursement on MD Deed of Trust, MD Deed of Trust FHA, and MD Deed of Trust SecondOn Cx329 (FNMA/FHLMC), Cx382 (FHA), & Cx487The mortgagee or party secured by the mortgageLendersA mortgage or deed of trust, including a purchase-money mortgage, but excluding a security instrument wherein it is lawful to charge any rate of interest under Md. Code Ann., Com. Law § 12-103(e) (West 2012)LandOn the security instrumentMd. Code Ann., Real Prop. § 4-106(a) & (b)(1) (West 2012)FNMA Form 3021ClosingProvision of Attorney and Court Fees in MD Deed of Trust, MD Deed of Trust Second, MD Deed of Trust FHA, and HELOC Agreement – MDOn Cx329 (FNMA/FHLMC), Cx382 (FHA), Cx487, & Cx3035A credit grantorBothEither: (1) a revolving credit plan; or (2) a loan (closed-end credit)Not specifiedAt closingMd. Code Ann., Com. Law §§ 12-911 & 12-1011 (West 2012)FNMA Form 3021ClosingMD First Time Home Buyer AffidavitCx3539Not specifiedBothNot specified, but practically a loan in which the property is conveyedOwner-occupied, residential real propertyAt recordingMd. Code Ann., Tax-Prop. §§ 12-103(b)(2) & (b)(3), 13-203(b)(4), and 13-409 (West 2012)NoClosingMD Licensee Information or AffidavitCx13984A mortgage lender licensed under the Maryland Mortgage Lender Law or a mortgage loan originator licensed under Subtitle 6, Title 11 of Maryland’s Financial Institutions Code, or a person exempt from licensing under either.BothA mortgage loanResidential property, improved by 1-to-4 single family dwelling unitsWhen the security instrument is recordedMd. Code Ann., Real Prop. § 3-104.1 (West 2012); Md. Code Regs. 09.03.06.07(D) & 09.03.11.02(B) (2012)Maryland Mortgage Lender LawAdministrativeClosingMD Written Acknowledgement of Delivery of the NoteCx16099A credit grantorBothEither: (1) a plan (aka a revolving credit plan); or (2) a loan (closed end credit)Not specifiedNo later than the time of consummationMd. Code Ann., Com. Law §§ 12-913.2(c) & 12-1013.2(c) (West 2012)NoClosingMD Delivery of Net Proceeds AuthorizationCx16100 (upon request)A lenderBothA purchase-money mortgage or deed of trust, except one wherein it is lawful to charge any rate of interest under Md. Code Ann., Com. Law § 12-103(e) (West 2012)LandBefore delivering not proceeds, deducting charges, interest, expenses, or advancing escrow and charges due from the borrowerMd. Code Ann., Real Prop. § 4-106(b)(2) (West 2012)NoClosingMD Property Tax Installment DirectionCx17045 (upon request)Not specifiedBothNot specified, but practically a purchase loanOwner-occupied residential property, or business property in connection to which total taxes do not exceed $100,000Not specifiedMd. Code Ann., Tax-Prop. § 10-204.3(j) (West 2012)NoClick here for Table of ContentsClick here for Table of ContentsMassachusetts(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequirementInitial DisclosureSection 32 Mortgage Loan DisclosureCx2790 (Federal)A lender, including a financial institution, but excluding lenders subject to Mass. Regs. Code tit. 209, § 40.03 and brokers BothA high cost home loanA consumer’s principal dwellingNot specifiedMass. Regs. Code tit. 209, § 40.04(1), (2), (3), (4), & (5) (2013)Partial AdministrativeInitial DisclosureMA Addendum to Uniform Residential Loan ApplicationCx3573Either: (1) not specified; or (2)a licensee under Mass. Gen. Laws Ann. ch. 255E and Mass. Regs. Code tit. 209, § 42.00BothEither: (1) a mortgage loan; or (2) a residential mortgage loanA 1-to-4 family dwelling on residential property occupied (or to be occupied) by the obligorOn the applicationMass. Gen. Laws Ann. ch. 184, § 17B (West 2012); Mass. Regs. Code tit. 209, § 42.15 (2013)NoInitial DisclosureMA High Cost Loan Insurance DisclosureCx3745A creditorBothA high cost home loanA consumer’s principal dwelling, consisting of 1-to-4 units, regardless of whether it is attached to real propertyAt least 3 business days before the loan is closedMass. Regs. Code tit. 209, § 32.34(2)(b) (2013)NoInitial DisclosureMA High Cost Loan Payment DisclosureCx3746Either: (1) a creditor; or (2) a lender, including a financial institutionBothA high cost home loanA consumer’s principal dwelling, including a 1-to-4 unit dwelling, regardless of whether it is attached to real property.At or before application or within 24 hours after determining that the loan is a high cost home loan.Mass. Regs. Code tit. 209, §§ 32.32(3)(f)(2) & 40.04(6)(b) (2013)AdministrativeInitial DisclosureAnti-Coercion InsuranceCx3750Either: (1) a person, firm, or corporation; (2) a bank, lending institution, mortgage company, or any mortgagee; or (3) a bank, including a federal bank and lendersBothEither: (1) a loan of money; (2) a loan of money or extension of credit; (3) a mortgage loan; or (4) an extension of creditEither: (1) real property; (2) property; (3) property which is the subject of the mortgage; or (4) not specifiedAt the time the customer applies for an extension of creditMass. Gen. Laws Ann. ch. 175, § 193E; ch. 176D, § 4; & ch. 183, § 66 (West 2012); Mass. Regs. Code tit. 209, § 49.06(5) (2013)NoInitial DisclosureMA Loan Origination and Compensation AgreementCx5112A mortgage broker licensed under Mass. Gen. Laws Ann. ch. 255E and Mass. Regs. Code tit. 209, § 42.00BrokersA mortgage loanResidential property having thereon a dwelling house with accommodations for 1-to-4 households and occupied (or to be occupied) by the obligor (in whole or in part)At the time of applicationMass. Regs. Code tit. 209, §§ 42.12A(5) & 42.16 (2013)AdministrativeInitial DisclosureMA Borrower’s Interest WorksheetCx5771A lenderBothA home loan which refinances another home loan within 60 months prior to applicationReal estate improved with a 1-to-4 family dwelling, occupied by the borrowerNo later than closingMass. Gen. Laws Ann. ch. 183, § 28C (West 2012); Mass. Regs. Code tit. 209, §§ 53.03, 53.04, & 53.07 (2013)NoInitial DisclosureMA No Doc/Limited Doc DisclosureCx13093A mortgage broker or a mortgage lenderBothA “no documentation” mortgage loan, but excluding certain reverse mortgages and open-end home equity lines of creditResidential property, consisting of a dwelling house with accommodations for 1-to-4 separate households that is (or is intended to be) occupied by the obligor (either in whole or in part)In advance of the closingMass. Regs. Code tit. 940, § 8.06(16) (2013)NoInitial DisclosureMA Counseling DisclosureCx13391A mortgageeBothAn adjustable-rate subprime loanOwner-occupied, 1-to-4 family residential propertyAt or before closingMass. Gen. Laws Ann. ch. 184, § 17B? (West 2012); Division of Banks Regulatory Bulletin 1.3-104 (2012)NoInitial DisclosureAddendum to Loan ApplicationCx13441Not specifiedBothNot specifiedNot specifiedNot specified, but practically at applicationGoodridge v. Dep’t of Pub. Health, 440 Mass. 309 (2003)NoInitial DisclosureMA Mortgage Loan Rate Lock CommitmentCx13544 or Cx14521 (upon request)A mortgage lender licensed under Mass. Gen. Laws Ann. ch. 255E and Mass. Regs. Code tit. 209, § 42.00BothA mortgage loanResidential property having thereon a dwelling house with accommodations for 1-to-4 households and occupied (or to be occupied) by the obligor (in whole or in part)Prior to taking a rate lock commitment fee, or otherwise offering or entering into a lock commitmentMass. Regs. Code tit. 209, § 42.11A(4) (2013)NoInitial DisclosureMA High Cost Home Loan DisclosureCx14937A creditor, other than a brokerBothA high cost home loanA consumer’s principal dwelling, consisting of 1-to-4 units, regardless of whether it is attached to real propertyNot specifiedMass. Regs. Code tit. 209, § 32.32(3)(a) through (e) (2013)Partial AdministrativeInitial Disclosure Statement of Credit Denial, Termination, or ChangeOn Cx15858 (Federal)Either: (1) the user of the consumer report which formed the basis for adversely affecting a consumer; or (2) a mortgageeBothEither: (1) credit; or (2) a residential mortgage loanResidential real property of 1- to-4 separate households occupied (or to be occupied) by the applicant (in whole or in part)Within 10 business days of deciding to take adverse actionMass. Gen. Laws Ann. ch. 93, § 62; ch. 183, § 64 (West 2012)Partial statutory12 CFR Pt. 1002, App. C; Form C-1Initial DisclosureMA Conflict of Interest DisclosureURA mortgage brokerBrokersA loan, presumably a mortgage loan, but excluding certain reverse mortgages and open-end home equity lines of creditResidential property, consisting of a dwelling house with accommodations for 1-to-4 separate households that is (or is intended to be) occupied by the obligor (either in whole or in part)Before processing, making, or arranging the loanMass. Regs. Code tit. 940, § 8.06(17) (2013)NoInitial Disclosure, TILA Redisclosure, & ClosingState Truth-in-Lending Act Disclosures Complied with by Federal Truth-in-Lending Act DisclosuresCx18, Cx1591, Cx8204, Cx15444, and other TILA Disclosures (all Federal)Various, but primarily creditorsBothVarious, but primarily a consumer credit transactionVarious, but primarily a dwelling, which is a residential structure or mobile home containing 1-to-4 family housing units, or individual units of condos or co-opsVariousMass. Gen. Laws Ann. ch. 140D, §§ 1 through 35; Mass. Regs. Code tit 209, §§ 32.01 through 32.58 (2013)12 CFR Pt. 1026, App. G & HInitial Disclosure & ClosingMA Certification and Indemnification AgreementCx1024Not specifiedBothNot specified, but practically a purchase loan1-to-5 family dwellings occupied in whole or in part for residential purposesNot specified, but practically upon the sale or transfer of the building and/or structureMass. Gen. Laws Ann. ch. 148, §§ 26E & 26F (West 2012); Mass. Regs. Code tit. 946, § 7.14 (2013)NoInitial Disclosure & TILA RedisclosureInitial Truth-in-Lending Disclosure and Good Faith Estimate 01-01-10Cx1591 (Federal) and Cx14221 (Federal)A mortgage lender or a mortgage brokerBothA mortgage loan, excluding reverse mortgages and open-end home equity lines of creditResidential property, consisting of a dwelling house with accommodations for 1-to-4 separate households and occupied (or to be occupied) by the obligor (in whole or in part)Not specifiedMass. Regs. Code tit. 940, § 8.05 (2013)12 CFR Pt. 1024, App. A & Pt. 1026, App. HInitial Disclosure, Processing, Underwriting, & ClosingMA High Cost Loan Application Disclosure and HCL Notice on 1003 Uniform Residential Loan ApplicationCx3742 and on Cx4193 (FNMA/FHLMC)Either: (1) a creditor, excluding a broker; or (2) a lender, including a financial institution, but excluding a brokerBothA high cost home loanA consumer’s principal dwelling, including a 1-to-4 unit dwelling, regardless of whether it is attached to real property.On the application (4193) or within 24 hours after determining that the loan is a high cost home loan (3742).Mass. Regs. Code tit. 209, §§ 32.32(3)(f)(1) & 40.04(6)(a) (2013)AdministrativeFNMA 1003 Form - Uniform Residential Loan ApplicationInitial Disclosure & Adverse ActionMA Mortgage Review Board NoticeCx3852A mortgageeLendersA residential mortgage loanResidential property of 1-to-4 units and occupied by the mortgagor (in whole or in part)At the time of denial Mass. Gen. Laws Ann. ch. 167, § 14A (West 2012)NoInitial Disclosure, Processing, Underwriting, & ClosingNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn Cx4193 (FNMA/FHLMC)Any person originating a residential mortgage loan, including a licensed mortgage loan originator under Mass. Gen. Laws Ann. ch. 255F and Mass. Regs. Code tit. 209, § 41.00BothA residential mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingOn the applicationMass. Gen. Laws Ann ch. 255F, § 18 (West 2012); Mass. Regs. Code tit. 209, § 41.12(2) (2013)FNMA 1003 Form - Uniform Residential Loan ApplicationInitial Disclosure & ClosingMA Insurance DisclosureCx16146 (upon request)A bank that sells insurance productsBothAn extension of creditNot specifiedNot specified, but practically before an applicant becomes an insurance customerMass. Gen. Laws. Ann. ch. 167F, § 2A(b)(6) (West 2012); Mass. Regs. Code tit. 209, § 49.06(7) (2013)NoClosingMortgage originator information on MA Mortgages and the MA Assignment of MortgageOn Cx328 (FNMA/FHLMC), Cx381 (FHA), Cx486, Cx1322, & Cx1531A mortgageeA mortgage loanEither: (1) real property having thereon a dwelling with accommodations for 1-to-4 households and occupied (or to be occupied) by the obligor (in whole or in part); or (2) a 1-to-4 family dwelling, including condos, co-ops, and manufactured homes, that is the principal residence of the ownerOn the mortgageMass. Gen. Laws Ann. ch. 183, §§ 6D & 21 and ch. 188, § 7 (West 2012)NoFNMA Form 3022ClosingMA Lead Paint Indemnification Agreement and MA Property Transfer Lead Paint NotificationCx1283; Cx15777 (upon request)The sellerBothNot specified, but practically a purchasePremises, meaning dwellings built before 1978Prior to seller signing a purchase and sale agreement.Mass. Gen. Laws Ann. ch. 111, § 197A (West 2012); Mass. Regs. Code tit. 105, § 460.720 (2013)Property Transfer Lead Paint NotificationClosingHUD-1 01-01-10Cx14222 (Federal)A mortgagee, a mortgage lender, or a mortgage brokerBothA mortgage transactionResidential property consisting of 1-to-4 units and occupied by the mortgagor (in whole or in part)Before charging a loan fee, finder’s fee, or pointsMass. Gen. Laws Ann. ch. 183, § 63 (West 2012)12 CFR Pt. 1024, App. AClosingMA Certification of Carbon Monoxide DetectorCx15578 (upon request)Not specifiedBothNot specified, but practically a purchase loanA dwelling, building, or structure used in whole or in part for residential purposesUpon sale or transfer of the propertyMass. Gen. Laws Ann. ch. 148, § 26F? (West 2012); Mass. Regs. Code tit. 527, § 31.06 (2013)NoClosingMA Condominium NoticeCx16175A mortgageeLendersA mortgageA condominium unitAfter recordingMass. Gen. Laws Ann. ch. 183A, § 4(5) (West 2012)NoClick here for Table of ContentsClick here for Table of ContentsMichigan(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureAnti-Coercion InsuranceCx3750Either: (1) a credit granting institution; (2) a licensee or registrant under The Secondary Mortgage Loan Act; or (3) a lenderBothEither: (1) a mortgage loan; (2) a secondary mortgage loan; or (3) a loanEither: (1) Real property designed for occupancy by 1-to-4 families, including single unit condos or coops, and residential dwellings; or (2) real property that is used as a dwellingWhen the applicant inquires about required insurance or when the lender advises that such insurance is available through the lender.Mich. Comp. Laws Ann. §§ 445.1602A, 493.72(4) & 500.1243(9), (16) & (17)The Secondary Mortgage Loan Act and The Insurance Code of 1956NoInitial DisclosureMI Borrowers Bill of Rights and Consumer Caution NoticeCx4970A lenderBothA mortgage loan, but excluding purchase and reverse mortgages and open-end credit plansReal property used as the borrower’s principal dwelling and is designed for occupancy by 1-to-4 familiesAt the time a person applies for a mortgage loanMich. Comp. Laws Ann. §§ 445.1636 & 445.1637 (West 2012)Consumer Mortgage Protection ActStatutoryInitial DisclosureMI HUD-Approved Counseling AgenciesCx7276A lenderBothA mortgage loan, but excluding purchase and reverse mortgages and open-end credit plansReal property used as the borrower’s principal dwelling and is designed for occupancy by 1-to-4 familiesAt the time a person applies for a mortgage loanMich. Comp. Laws Ann. § 445.1637 (West 2012)Consumer Mortgage Protection ActHUD Approved Housing Counseling AgenciesAdverse ActionStatement of Credit Denial, Termination, or Change15858 (Federal)A credit granting institutionBothA mortgage loan or a home improvement loan, but excluding construction financingReal property designed for occupancy by 1-to-4 families, including single unit condos or coops, and residential dwellingsAfter a loan is denied or the terms are varied, but not accepted by the applicant.Mich. Comp. Laws Ann. § 445.1602(6) (West 2012)12 CFR Pt. 1002, App. C; Form C-1Initial 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 on which a person has (or intends to) construct a dwellingOn the applicationMich. Comp. Laws Ann. § 493.171 (West 2012)Mortgage Loan Originator Licensing ActFNMA 1003 Form - Uniform Residential Loan ApplicationClosingMarital Status Disclosed on MI MortgageOn Cx331 (FNMA/FHLMC), Cx384 (FHA), Cx489, and Cx1393Not specified, but practically the mortgageeBothA mortgageReal estateAt recordingMich. Comp. Laws Ann. § 565.221 (West 2012)FNMA Form 3023ClosingMI Principal Residence Exemption (PRE) AffidavitCx995Not specifiedBothNot specifiedA principal residenceNot specifiedMich. Comp. Laws Ann. § 211.7cc (West 2012)The General Property Tax ActTax Form 2368ClosingMI Property Transfer AffidavitCx996The buyer, grantee, or other transferee of the propertyBothNot specified, but practically a purchase or a renewal in which the beneficiaries of the loan changePropertyWithin 45 days of the transfer of ownershipMich. Comp. Laws Ann. § 211.27a(10) (West 2012)The General Property Tax ActTax Form 2766ClosingMI Request to Rescind Principal Residence Exemption (PRE)Cx997The owner of the property, which in the context of this requirement, is the sellerBothNot specified, but practically a purchase transactionThe seller’s principal residenceNot more than 90 days after exempted property is no longer used as a principal residence by the sellerMich. Comp. Laws Ann. § 211.7cc(5) (West 2012)The General Property Tax ActTax Form 2602ClosingMI Addendum to Mortgage-Homestead and Dower WaiverCx7786 (upon request)Not specifiedBothA mortgage to secure the payment of purchase moneyEither: (1) land; or (2) a homesteadNot specified, but practically at or by closingMich. Comp. Laws Ann. §§ 558.4 & 600.6023 (West 2012)Revised Judicature Act of 1961NoneClosingHUD 01-01-10Cx14222 (Federal)A state or national bank, an insurance company, or a lender approved as a mortgagee under the National Housing Act or regulated by a federal agencyBothA loanNot specifiedUpon closing of the loanMich. Comp. Laws Ann. § 438.31b (West 2012)12 CFR Pt. 1024, App. AClick here for Table of ContentsClick here for Table of ContentsMinnesota(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureMN Prepayment Disclosure at ApplicationCx1892A residential mortgage originator, including a lender and a brokerBothA residential mortgage loan that contains a prepayment penaltyResidential real property, improved (or intended to be improved) by a structure of 1-to-4 family unitsWithin 5 days after borrower requests the loanMinn. Stat. Ann. § 58.137(2)(b) (West 2012)Minnesota Residential Mortgage Originator and Servicer Licensing ActStatutoryInitial DisclosureMN Originator Non-agency DisclosureCx1901A residential mortgage originator or an exempt person, excluding mortgage brokers, who does not accept an advance feeBothA residential mortgage loanResidential real property, improved (or intended to be improved) by a structure of 1-to-4 family unitsWithin 3 business days of accepting an application.Minn. Stat. Ann. § 58.15 (West 2012)Minnesota Residential Mortgage Originator and Servicer Licensing ActStatutoryInitial DisclosureMN Residential Mortgage Originator ContractCx1907A residential mortgage originator who either: (a) solicits or receives an advance fee; or (b) offers to act as an agent of the borrowerBrokersA lien on residential real estateResidential real property, improved (or intended to be improved) by a structure of 1-to-4 family unitsWhen soliciting or receiving an advance fee for assisting in finding a loan, or offers to act as an agent of the borrower.Minn. Stat. Ann. § 58.16 (West 2012)Minnesota Residential Mortgage Originator and Servicer Licensing ActNoInitial DisclosureAnti-Coercion Insurance DisclosureCx3750Either: (1) a company; or (2) a person, firm, or corporation or an agent or broker of a purchaserBothA loan of money secured by real propertyProperty, including real propertyNot specifiedMinn. Stat. Ann. §§ 65A.09, 65A.10, & 72A.31 (West 2012)NoInitial DisclosureMN Homestead DisclosureCx4303A licensee under the Minnesota Regulated Loan ActBothAn open-end loanA homesteadAt the time of the execution of the contract surrendering the homestead exemption.Minn. Stat. Ann. § 56.125(4) (West 2012)Minnesota Regulated Loan ActStatutoryInitial DisclosureTangible Net Benefit WorksheetCx12531(upon request)A residential mortgage originator or servicer (including a licensee under the Minnesota Residential Mortgage Originator and Servicer Act), or an exempt personBothA residential mortgage loan which refinances a residential mortgage loanResidential real property, improved (or intended to be improved) by a structure of 1-to-4 family unitsNot specifiedMinn. Stat. Ann. § 58.13(1)(a)(25) (West 2012)Minnesota Residential Mortgage Originator and Servicer Licensing ActNoInitial Disclosure & ClosingMN Private Mortgage Insurance DisclosureCx2530A servicerBothA residential mortgage loanResidential real property, include co-operativesAnnually. Must be given with respect to each future residential mortgage loanMinn. Stat. Ann. § 47.207(3)(a) (West 2012)StatutoryInitial 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 15 USCA § 1602[v]) or residential real estate upon which a dwelling is (or is intended to be) constructedOn the applicationMinn. Stat. Ann. § 58A.20 (West 2012)Minnesota S.A.F.E. Mortgage Licensing Act of 2010FNMA 1003 Form - Uniform Residential Loan ApplicationClosingTruth-in-Lending DisclosureCx18 (Federal)A licensee under the Minnesota Regulated Loan Act BothA loanNot specifiedAt the time any loan is madeMinn. Stat. Ann. § 56.14(1)Minnesota Regulated Loan Act12 CFR Pt. 1026, App. H; Form H-2ClosingPurchase Money Caption on MN Mortgage and MN Mortgage FHACx332 (FNMA/FHLMC) & Cx385 (FHA)A mortgageeBothA purchase-money mortgageEither: (1) a homestead; or (2) real propertyOn the mortgageMinn. Stat. Ann. §§ 507.02 & 507.03 (West 2012)FNMA Form 3024ClosingCopy of Note, Mortgage, and Notice of Sale Clause in all MN MortgagesCx332 (FNMA/FHLMC) & Cx490A lenderBothA conventional loan, with an original principal amount of less than $100,000 and excluding FHA, VA, and RD loansReal property containing 1 or more residential unitsOn the mortgageMinn. Stat. Ann. § 47.20(8) (West 2012)FNMA Form 3024ClosingMN Notice of Right to Discontinue EscrowCx1004A lender or a mortgage brokerBothA mortgage loan, which includes a conventional loan, but excludes conventional loans with an LTV exceeding 80% and FHA, VA, and RD loansA 1-to-4 family, owner occupied residenceAt or prior to closingMinn. Stat. Ann. § 47.20(9)(b) (West 2012)StatutoryClosingMN Abstract of Title NoticeCx1600A person who transfers or offers to transfer an abstract title BothNot specified, but practically a mortgageReal estateWhen transferring or offering to transfer an abstract of title.Minn. Stat. Ann. § 386.375(3) (West 2012)Available from the Department of CommerceClosingMN Prepayment Disclosure at ClosingCx1893A residential mortgage originator, including a lender or a brokerBothA residential mortgage loan that contains a prepayment penaltyResidential real property, improved (or intended to be improved) by a structure of 1-to-4 family unitsWithin 3 days before the borrower signs the noteMinn. Stat. Ann. § 58.137(2)(b) (West 2012)Minnesota Residential Mortgage Originator and Servicer Licensing ActStatutoryClosingMN Disclosure of LendersCx5083 (upon request)A residential mortgage originator (practically applies only to brokers)BrokersA residential mortgage loanResidential real property, improved (or intended to be improved) by a structure of 1-to-4 family unitsAt the expiration of the originator contractMinn. Stat. Ann. § 58.16(7) (West 2012)Minnesota Residential Mortgage Originator and Servicer Licensing ActNoClosingAddendum to the Mortgage – Request for NoticeCx7787A person having a redeemable interest in the real propertyLendersA mortgageReal propertyNot specifiedMinn. Stat. Ann. § 580.032 (West 2012)NoClosingMN Well Disclosure StatementCx14301 (upon request)A seller or the buyerBothNot specified, but practically a purchase loanReal property, excluding individual condominium unitsAt the time of closingMinn. Stat. Ann. § 103I.235 (West 2012)Well Disclosure Certificate FormClick here for Table of ContentsClick here for Table of ContentsMississippi(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureAnti-Coercion Insurance DisclosureCx2778A vendor or lenderBothA loan of moneyReal propertyNot specifiedMiss. Code Ann. § 83-5-35(h) (West 2012)NoInitial DisclosureMS Mortgage Origination Agreement/Fee Disclosure AgreementCx3315A licensee under the Mississippi S.A.F.E. Mortgage Act (Miss. Code Ann. §§ 81-18-1 through 81-18-63)BothA residential mortgage loanA dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingNot specified, but practically before performing any origination servicesMiss. Code Ann. § 81-18-33(a) (West 2012)Mississippi S.A.F.E. Mortgage ActPartial StatutoryMS Mortgage Origination Agreement (in Quick Links)Initial DisclosureGood Faith Estimate 01-01-10Cx14221 (Federal)A licensee under the Mississippi S.A.F.E. Mortgage Act (Miss. Code Ann. §§ 81-18-1 through 81-18-63)BothA residential mortgage loanA dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingNot specified, but practically no later than 3 business days after receipt of an applicationMiss. Code Ann. § 81-18-33(d) (West 2012)Mississippi S.A.F.E. Mortgage Act12 CFR Pt. 1024, App. CInitial DisclosureMS Lock-in AgreementCx16587A licensee under the Mississippi S.A.F.E. Mortgage Act (Miss. Code Ann. §§ 81-18-1 through 81-18-63)BothA residential mortgage loanA dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingBefore collecting a lock-in feeMiss. Code Ann. §§ 81-18-28(2) & 81-18-33(f) (West 2012); Miss. Admin. Code 5-2:1.11 (2012)Mississippi S.A.F.E. Mortgage ActNoInitial DisclosureMS Insurance DisclosureURA financial institution offering, recommending, sponsoring, or selling insuranceBothA loanNot specifiedPrior to or at the time of the execution of any application for insuranceMiss. Admin. Code 19-1:23.11(A) & (B) (2012)NoInitial DisclosureMS Insurance Disclosure ReceiptURA financial institution offering, recommending, sponsoring, or selling insuranceBothA loanNot specifiedPrior to or at the time of the execution of any application for insuranceMiss. Admin. Code 19-1:23.11 (2012)NoInitial Disclosure, TILA Redisclosure, & ClosingTILA DisclosuresCx18, Cx1591, and other TILA Disclosures (all Federal)A licensee under the Mississippi S.A.F.E. Mortgage Act (Miss. Code Ann. §§ 81-18-1 through 81-18-63)BothA residential mortgage loanA dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingVarious timesMiss. Code Ann. § 81-18-33(g) (West 2012)Mississippi S.A.F.E. Mortgage Act12 CFR Pt. 1026, App. HInitial Disclosure, Processing, Underwriting, & Closing1003 Uniform Residential Loan Application, including NMLS Unique Identifier disclosed thereonOn Cx4193 (FNMA/FHLMC)Either: (1) any person originating a residential mortgage loan; or (2) a licensee under the Mississippi S.A.F.E. Mortgage Act (Miss. Code Ann. §§ 81-18-1 through 81-18-63)BothA residential mortgage loanA dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingOn the applicationMiss. Code Ann. §§ 81-18-31(f) and 81-18-33(b) & (h) (West 2012)Mississippi S.A.F.E. Mortgage ActFNMA 1003 Form - Uniform Residential Loan ApplicationClosingHUD-1 01-01-10Cx14222 (Federal)A licensee under the Mississippi S.A.F.E. Mortgage Act (Miss. Code Ann. §§ 81-18-1 through 81-18-63)BothA residential mortgage loanA dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingNot specified, but practically at closingMiss. Code Ann. § 81-18-33(c) (West 2012)Mississippi S.A.F.E. Mortgage Act12 CFR Pt. 1024, App. AClick here for Table of ContentsClick here for Table of ContentsMissouri(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureAnti-Coercion Insurance DisclosureCx2778A person who lends money or extends credit and who solicits insuranceBothA credit extension, including a residential mortgage Real property, including residential propertyNot specified, but practically before closingMo. Ann. Stat. § 375.937(3) (West 2012)Unfair Trade Practice ActNoInitial DisclosureAdvanced Fee/Application DisclosureCx2783A state financial institutionBothA loan, presumably a residential real estate loan, which generally excludes refinancesResidential real estate, consisting of 1-to-4 family unitsUpon receipt of a written applicationMo. Ann. Stat. § 408.580(2) (West 2012)NoInitial DisclosureMO Loan Brokerage Disclosure Statement and AgreementCx3328A residential mortgage loan brokerBrokersA residential mortgage loanA dwelling or residential real estate upon is (or is intended to be) constructed a dwelling, as defined by TILANot specifiedMo. Ann. Stat. § 443.867 (West 2012)Missouri Secure and Fair Enforcement for Mortgage Licensing ActNoInitial DisclosureMO Lock-in AgreementCx16677A lenderLendersA residential mortgage loanA dwelling or residential real estate upon is (or is intended to be) constructed a dwelling, as defined by TILANot specified, but practically before a rate-lock fee is collectedMo. Code Regs. Ann. tit. 20, § 1140-30.280 (2013)Missouri Secure and Fair Enforcement for Mortgage Licensing ActNoAdverse ActionStatement of Credit Denial, Termination, or ChangeCx15858 (Federal)A state financial institutionBothA loan, presumably a residential real estate loan, which generally excludes refinancesResidential real estate, consisting of 1-to-4 family unitsAfter rejection of a loan applicationMo. Ann. Stat. § 408.580(3) (West 2012)12 CFR Pt. 1002, App. C; Form C-1Initial 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 or residential real estate upon is (or is intended to be) constructed a dwelling, as defined by TILAOn the applicationMo. Ann. Stat. § 443.745 (West 2012)Missouri Secure and Fair Enforcement for Mortgage Licensing ActFNMA 1003 Form - Uniform Residential Loan ApplicationClosing3200 Note Fixed, MO Deed of Trust, MO Deed of Trust Second, and MO Addendum to the Note-Oral AgreementCx5 (FNMA/FHLMC), Cx333 (FNMA/FHLMC), Cx491, Cx1056, and Cx7789 (upon request)A creditorBothA credit agreement, which is a lending or forbearance of the repayment of money, extension of credit, or other financial accommodationNot specifiedNot specified, but practically at closingMo. Ann. Stat. § 432.045 (West 2012)StatutoryFNMA Form 3200FNMA Form 3026ClosingAssignment, Sale, or Transfer of ServicingCx21 (Federal)A residential mortgage loan broker, who is licensed under the Missouri Secure and Fair Enforcement for Mortgage Licensing ActBothA residential mortgage (aka a residential mortgage loan)A dwelling or residential real estate upon is (or is intended to be) constructed a dwelling, as defined by TILAWhen the servicing of a residential mortgage is transferred or soldMo. Ann. Stat. § 443.861 (West 2012)Missouri Secure and Fair Enforcement for Mortgage Licensing Act12 CFR Pt. 1024, App. MS-2ClosingMO Deed of Trust or MO Deed of Trust SecondCx333 (FNMA/FHLMC) or Cx491A creditorBothA credit transaction in which collateral insurance is obtainedNot specifiedNot specified, but practically at closingMo. Ann. Stat. § 427.120(2) (West 2012)Collateral Protection ActFNMA Form 3026ClosingMO Collateral Protection Insurance DisclosureCx1005A creditorBothA credit transaction in which collateral insurance is obtainedNot specifiedAt the time the credit agreement is enteredMo. Ann. Stat. § 427.120(3) (West 2012)Collateral Protection ActStatutoryClosingMarried Wife Notice in AcknowledgmentCx7790 (upon request)Not specifiedBothAn instrumentNot specifiedNot specified, but practically at closingMo. Ann. Stat. § 442.210(4) (West 2012)NoClick here for Table of ContentsClick here for Table of ContentsMontana(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureMT Mortgage Loan Origination DisclosureCx2776A mortgage loan originator working for a mortgage broker, who is licensed under the Montana Mortgage ActBrokersA mortgage loan (aka a residential mortgage loan)A dwelling or residential real estate upon which is either constructed a dwelling or is intended to be constructed a dwelling within 2 years (subject to 24 CFR § 3500.5[b][4])Within 3 business days of taking an applicationMont. Code Ann. § 32-9-124(2) (West 2011); Mont. Admin. R. 2.59.1737 (2012)Montana Mortgage ActMortgage Loan Origination DisclosureInitial DisclosureAnti-Coercion Insurance DisclosureCx2778A person who lends money or extends credit and who solicits insurance on real propertyBothA first-mortgage credit extensionReal propertyNot specified, but practically before closingMont. Code Ann. § 33-18-501(3) (West 2011)NoInitial DisclosureMT Mortgage Loan Rate Lock CommitmentCx14844A licensed mortgage lender under the Montana Mortgage ActBothA mortgage loan (aka a residential mortgage loan)A dwelling or residential real estate upon which is either constructed a dwelling or is intended to be constructed a dwelling within 2 years (subject to 24 CFR § 3500.5[b][4])Not specified, but practically before an interest rate lock-in fee is chargedMont. Code Ann. § 32-9-148(3)(c) (West 2011)Montana Mortgage ActNoInitial DisclosureMT Loan CommitmentCx15517A licensed mortgage lender under the Montana Mortgage ActBothA mortgage loan (aka a residential mortgage loan)A dwelling or residential real estate upon which is either constructed a dwelling or is intended to be constructed a dwelling within 2 years (subject to 24 CFR § 3500.5[b][4])After approval of the loan application, but before a commitment fee is chargedMont. Code Ann. § 32-9-148(3)(d) & (5) (West 2011)Montana Mortgage ActNoClosingMT Ack Real Prop is not exemptCx1412Not specifiedBothNot specifiedA homestead, consisting of a dwelling house or mobile homeAt closingMont. Code Ann. §§ 70-32-105, 70-32-106 & 70-32-107 (West 2011)Declaration of Homestead ExemptionClick here for Table of ContentsClick here for Table of ContentsNebraska(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureAnti-Coercion Insurance DisclosureCx2778A person who lends money or extends creditLendersA loan of money, extension of credit, or renewal of an extension of creditNot specifiedNot specifiedNeb. Rev. Stat. § 44-1526(1) (West 2012)Unfair Insurance Trade Practices ActNoInitial DisclosureNE Loan Broker Disclosure StatementCx3444A loan brokerBrokersA loan of moneyNot specifiedAt least 48 hours before a borrower signs a brokerage agreement.Neb. Rev. Stat. § 45-191.01 (West 2012)NoInitial DisclosureNE Construction Loan NoticeCx4669Any person, firm, or corporation lending money BothA financing of the construction of improvements on real propertyReal propertyBefore the disbursement of any proceeds under the loan.Neb. Rev. Stat. § 76-239.01 (West 2012)NoInitial DisclosureDual Capacity DisclosureCx12999 (upon request)A licensee under the Residential Mortgage Licensing Act, who also acts as a real estate broker or agentBothA residential mortgage loan, that is connected to the sale of real estateA 1-to-4 unit dwelling or residential real estate upon which is (or will be constructed) a dwellingBefore receiving compensation as a mortgage banker or mortgage loan originatorNeb. Rev. Stat. § 45-740(1)(g) (West 2012)Residential Mortgage Licensing ActNoInitial Disclosure, Processing, Underwriting, & ClosingNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn Cx4193 (FNMA/FHLMC)A licensee under the Residential Mortgage Licensing ActBothA residential mortgage loanA 1-to-4 unit dwelling or residential real estate upon which is (or will be constructed) a dwellingOn the applicationNeb. Rev. Stat. § 45-736 (West 2012)Residential Mortgage Licensing ActFNMA 1003 Form - Uniform Residential Loan ApplicationClosingAssignment, Sale, or Transfer of ServicingCx21 (Federal)A licensee under the Residential Mortgage Licensing ActBothA residential mortgage loanA 1-to-4 unit dwelling or residential real estate upon which is (or will be constructed) a dwellingNot less than 15 days prior to the effective date of the transfer of servicing rightsNeb. Rev. Stat. Ann. § 45-739 (West 2012)Residential Mortgage Licensing Act12 CFR Pt. 1024, App. MS-2ClosingNotice to Cosigner on Fixed Rate Note Nebraska SecondOn Cx1061A licensee under the Nebraska Installment Loan ActBothA loan, the interest rate of which exceeds 16%Not specifiedOn a writing evidencing a loanNeb. Rev. Stat. § 45-1055(1) (West 2012)Nebraska Installment Loan ActStatutoryClosingNE Notice to CosignerCx13029Not specified, but presumably a licensee under the Nebraska Installment Loan ActBothA loan, the interest rate of which exceeds 16%Not specifiedBefore or contemporaneously with signing any agreement of loan.Neb. Rev. Stat. § 45-1053 (West 2012)Nebraska Installment Loan ActNoClosingRequest for Notice - NECx15163Any person desiring a copy of any notice of default and any notice of saleBothNot specified, but one in connection with which a trust deed, which conveys real property to a trustee, is madeReal propertyAny time subsequent to recording, but prior to filing for record of a notice of default.Neb. Rev. Stat. Ann. § 76-1008 (West 201)Nebraska Trust Deeds ActStatutoryClick here for Table of ContentsClick here for Table of ContentsNevada(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureNV Notice and WaiverCx2772A title insurer or title agent, who are licensed under Chapter 692A of Nevada’s Revised StatutesBothA loan which is made simultaneously with the purchase of all or part of the real propertyReal propertyBefore the disbursement of loan proceeds or the issuance of the borrower’s title policy.Nev. Rev. Stat. § 692A.210 (West 2011)StatutoryInitial DisclosureAdvanced Fee/Application DisclosureCx2783Either: (1) a mortgage broker and his or her agents (both licensed under Chapter 645B of Nevada’s Revised Statutes), or any other person; or (2) a mortgage banker, who is licensed under Chapter 645E, or any other personBothA loan secured by a lien on real propertyReal propertyBefore accepting any advance feesNev. Rev. Stat. §§ 645B.165(3) & 645E.420(3) (West 2011)NoInitial DisclosureAnti-Coercion Insurance DisclosureCx2788Either: (1) a lender; or (2) a personBothEither: (1) a home loan, including a consumer credit transaction subject to HOEPA (15 USCA § 1602[aa]) and regulations adopted pursuant thereto (12 CFR § 226.32); (2) any loan or extension thereof or credit; or (3) a loan secured by real propertyEither: (1) home property; or (2) real propertyNot specifiedNev. Rev. Stat. §§ 598D.100(1)(a), 686A.200 & 691A.030 (West 2011)Nevada Insurance CodeNoInitial DisclosureNV Employee DisclosureCx3839A licensee under Chapter 645B of Nevada’s Revised Statues BrokersA lien on real propertyReal propertyBefore the date that the loan is consummated.Nev. Rev. Stat. § 645B.186 (West 2011); Nev. Admin. Code § 645B.210 (2012)NoInitial DisclosureNV Acknowledgement of Dual CapacityCx13030Either: (1) a mortgage broker mortgage agent (licensed under Chapter 645B of Nevada’s Revised Statues) who is also licensed and acting as a real estate broker or salesperson; or (2) a mortgage banker (licensed under Chapter 645E) or loan officer who is also licensed and acts as a real estate broker or salespersonBothA loan secured by a lien on real propertyReal propertyAt the time of applicationNev. Admin. Code §§ 645B.235 & 645E.290 (2012); NV Reg. LCB File No. R087-04Borrower's Acknowledgment and Agreement Concerning Dual Capacity as Real Estate Sales Agent and Mortgage Loan AgentInitial DisclosureAddendum to Loan Application Cx13441Not specifiedBothNot specifiedNot specifiedNot specified, but practically at applicationNev. Rev. Stat. Ann. § 122A.200 (West 2011)NoInitial DisclosureNV Mortgage Broker Compensation DisclosureCx14279A mortgage broker, who is licensed under Chapter 645B of Nevada’s Revised StatutesBrokersA loan secured by a lien on real propertyReal propertyAt any time prior to consummationNev. Rev. Stat. Ann. § 645B.305 (West 2011); AB 513 Guidance Letter, Exhibit NV12Disclosure of Fees Earned by Mortgage BrokerInitial Disclosure, Processing, Underwriting, & ClosingNMLS Unique Identifier or License Number Disclosed on 1003 Uniform Residential Loan ApplicationOn Cx4193 (FNMA/FHLMC)A mortgage broker, licensed under Chapter 645B of Nevada’s Revised StatutesBothA lien on real propertyReal propertyOn the applicationNev. Rev. Stat. § 645B.307 (West 2011)FNMA 1003 Form - Uniform Residential Loan ApplicationInitial Disclosure & ClosingNV Reasonable Means DisclosureCx12913A lenderBothA home loan, including a low-document, no-document, or stated-document home loan, and a consumer credit transaction subject to HOEPA (15 USCA § 1602[aa]) and regulations adopted pursuant thereto (12 CFR § 226.32)Real propertyNot specifiedNev. Rev. Stat. § 598D.100(1)(b) (West 2011); Mortgage Lending Division Letter 2007-2, Exhibit AExhibit "A" - "Commercially Reasonable Means or Mechanism" WorksheetClosingHOEPA Loan Legend on NV Deed of Trust or NV Deed of Trust SecondCx342 (FNMA/FHLMC) or Cx500Not specified, but most likely the mortgageeBothA home loan subject to provisions of § 152 of the Home Ownership and Equity Protection Act of 1994 (15 USCA § 1602[aa]) and regulations made pursuant thereto (12 CFR § 226.32)Real propertyOn the security instrumentNev. Rev. Stat. Ann. § 598D.130(2) (West 2011)FNMA Form 3029ClosingNV Affirmation Regarding SSNCx11545A person who records, files, or otherwise submits any document to a governmental agencyBothNot specifiedNot specifiedNot specifiedNev. Rev. Stat. Ann. § 239B.030(6) (West 2011)NoClick here for Table of ContentsClick here for Table of ContentsNew Hampshire(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureAnti-Coercion InsuranceCx3750A creditor or a lenderBothA purchase of real or personal property or a lending of money on the security of real or personal propertyReal or personal propertyNot specifiedN.H. Rev. Stat. Ann. § 417:4(XVI) (2013)NoInitial DisclosureAdvanced Fee/Application Disclosure and Good Faith Estimate 01-01-10Cx2783 & Cx14221 (Federal)A mortgage banker or a mortgage broker, who is licensed under Chapter 397 of New Hampshire’s Revised StatutesBothA mortgage loanA dwelling, real property, or residential real estate, of or upon any of which is a 1-to-4 family housing unitWithin 3 days of receipt of the loan applicationN.H. Rev. Stat. Ann. § 397-A:16(I) (2013)12 CFR Pt. 1024, App. CInitial DisclosureAddendum to Loan ApplicationCx13441Not specifiedBothNot specifiedNot specifiedNot specifiedN.H. Rev. Stat. Ann. § 457:1-a (2013)NoInitial DisclosureNH Disclosure of Payment ApplicationCx15935 (upon request)A licensee under Chapter 397 of New Hampshire’s Revised StatutesBothA mortgage loanA dwelling, real property, or residential real estate, of or upon any of which is a 1-to-4 family housing unitAt the time the loan application is takenN.H. Rev. Stat. Ann. § 397-A:14(III) (2013)NoAdverse ActionStatement of Credit, Denial, Termination or ChangeCx15858 (Federal)A user of a consumer reportBothCredit for personal, family, or household purposesNot specifiedWhen credit or insurance is denied or the charge for credit or insurance is increasedN.H. Rev. Stat. Ann. § 359-B:15 (2013)Fair Credit Reporting Act12 CFR Pt. 1002, App. CInitial Disclosure, Processing, Underwriting, & ClosingNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn Cx4193 (FNMA/FHLMC)A licensee under Chapter 397 of New Hampshire’s Revised StatutesBothA residential mortgage loanA dwelling, real property, or residential real estate, of or upon any of which is a 1-to-4 family housing unitOn the applicationN.H. Rev. Stat. Ann. § 397-A:6(I) (2013)FNMA 1003 Form - Uniform Residential Loan ApplicationClosingFinance Change Statement in Truth-in-Lending DisclosureOn Cx18 (Federal)Any person engaged in the business of extending creditBothCredit, including a residential mortgage and a consumer credit transactionNot specifiedConcurrently with consummationN.H. Rev. Stat. Ann. §§ 399-B:2 & 399-B:2-a (2013)12 CFR Pt. 1026, App. H; Form H-2Click here for Table of ContentsClick here for Table of ContentsNew Jersey(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureNJ Authorization of Overnight Delivery ServicesCx1030A lenderBothA mortgage loan, secured by a first mortgage on real property and which has a closed-endReal property on which there are 1-to-4 dwelling unitsBefore delivery fees are charged.N.J. Admin. Code § 3:1-16.2(a)(7)(i) (2013)NoInitial DisclosureAdvanced Fee/Application DisclosureCx2783A lender or a brokerBothA mortgage loan, secured by a first mortgage on real property and which has a closed-endReal property on which there are 1-to-4 dwelling unitsBefore accepting application and third party fees.N.J. Admin. Code § 3:1-16.3(a) (2013)NoInitial DisclosureNJ Choice of Insurer NoticeCx3850A licensee under the New Jersey Residential Mortgage Lending ActBothA mortgage loanProperty securing a mortgage loanNot specifiedN.J. Stat. Ann. § 17:11C-73(d) (West 2013)New Jersey Residential Mortgage Lending ActStatutoryInitial DisclosureNJ Notice to BorrowerCx4440A creditorBothA high-cost home loanA 1-to-6 family dwelling which is (or will be) occupied by a borrower as a principal dwellingAt least 3 business days prior to consummation.N.J. Stat. Ann. § 46:10B-26(f) (West 2013)New Jersey Home Ownership Security Act of 2002StatutoryInitial DisclosureNJ Commitment LetterCx4479A lenderBothEither: (1) a loan; or (2) a mortgage loan, secured by a first mortgage on real property and which has a closed-endEither: (1) real property; or (2) real property on which there are 1-to-4 dwelling unitsNot specifiedN.J. Stat. Ann. § 46:10A-6(c) (West 2013);N.J. Admin. Code §§ 3:1-16.5(a)(1) through (9) & 3:1-16.6 (2013)New Jersey Residential Mortgage Lending ActPartial AdministrativeN.J. Dept. of Bank. and Ins., Bulletin 07-12Initial DisclosureNJ Rate Lock – In AgreementCx4480A lenderBothA mortgage loan, secured by a first mortgage on real property and which has a closed-endReal property on which there are 1-to-4 dwelling unitsNot specified, but practically more than 3 days before closingN.J. Admin. Code §§ 3:1-16.4 & 3:1-16.6 (2013)NoInitial DisclosureNJ Right to Choose Own AttorneyCx5097Either: (1) a lender; or (2) a mortgage lenderBothEither: (1) a loan; or (2) a secondary mortgage loanEither: (1) real property; or (2) residential real estate, upon which is (or is intended to be) constructed a 1-to-4 family dwelling (as defined in Section 103[v] of TILA)Before borrower accepts a written offer by the lender to make a loanN.J. Stat. Ann. § 46:10A-6 (West 2013); N.J. Admin. Code § 3:15-9.2(c)(4) (2013)New Jersey Residential Mortgage Lending ActNoInitial DisclosureNJ Addendum to Loan ApplicationCx11886Not specifiedBothNot specifiedNot specifiedNot specifiedN.J. Stat. Ann. §§ 37:1-31 & 37:1-33 (West 2013)NoInitial DisclosureAddendum to Loan ApplicationCx13441Not specifiedBothNot specifiedNot specifiedNot specified, but practically at applicationN.J. Stat. Ann. § 37:1-31 (West 2013)NoInitial DisclosureGood Faith Estimate 01-01-10 and NJ Disclosure FormCx14221 (Federal) & Cx15059A lenderBothA mortgage loan, secured by a first mortgage on real property and which has a closed-endReal property on which there are 1-to-4 dwelling unitsWithin 3 business days after receiving the borrower’s application or before closing, whichever is earlierN.J. Admin. Code §§ 3:1-16.2 & 3:1-16.3(d) (2013)12 CFR Pt. 1024, App. CN.J. Dept. of Bank. And Ins., Bulletin 10-17Initial Disclosure, Processing, Underwriting, & ClosingNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn Cx4193 (FNMA/FHLMC)A residential mortgage lender, a residential mortgage broker, or a mortgage loan originator, who are licensed under the New Jersey Residential Mortgage Lending ActBothA residential mortgage loanA dwelling (as defined in section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingOn the applicationN.J. Stat. Ann. § 17:11C-72 (West 2013)New Jersey Residential Mortgage Lending ActFNMA 1003 Form - Uniform Residential Loan ApplicationClosingNJ Initial Tax Authorization NoticeCx1507Either: (1) a selling servicing organization; (2) a servicing organization; (3) an person holding a mortgage on the land; or (4) mortgagees, servicing organizations, or property tax processing organizationsBothA mortgage loanEither: (1) real property on which there is (or will be) erected a 1-to-6 dwelling structure; or (2) land, including real propertyWhen a mortgage escrow account is sold, assigned, or transferred to a purchasing servicing organizationN.J. Stat. Ann. §§ 17:16F-17, 54:4-64(c), & 54:5-104.48 (West 2013); N.J. Admin. Code §§ 5:33-4.3 & 5:33-4.4 (2013)In Rem Tax Foreclosure Act (1948)ME1 - Initial Tax Authorization NoticeClosingNJ Private Well Water Test ResultsCx4441Not specifiedBothEvery contract of sale of real property (i.e. a purchase loan)Real propertyAt closingN.J. Stat. Ann. § 58:12A-27 (West 2013)Private Well Testing ActNoClick here for Table of ContentsClick here for Table of ContentsNew Mexico(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureMortgage Loan Company Compensation on Initial Truth-in-Lending Disclosure and Good Faith Estimate 01-01-10Cx1591 (Federal) & Cx14221 (Federal)Either: (1) a mortgage loan company, licensed under the Mortgage Loan Company Act; or (2) a mortgage loan originator, licensed under the New Mexico Mortgage Loan Originator Licensing ActBothEither: (1) a mortgage loan; or (2) a residential mortgage loanA 1-to-4 unit dwelling or residential real estate upon which is (or is intended to be) construction a dwellingAt least 2 days prior to closing.N.M. Stat. Ann. §§ 58-21-31(D) and 58-21B-20(A)(7) & (B)(1) (West 2012); N.M. Admin. Code 12.19.2.13 & 12.19.8.12(B) (2010)Mortgage Loan Company Act and New Mexico Mortgage Loan Originator Licensing Act12 CFR Pt. 1024, App. C & Pt. 1026, App. H; Form H-2Initial DisclosureNM High-Cost Home Loan Notice to BorrowerCx2747A creditor or a mortgage loan originatorBothA high-cost home loanReal estate upon which there is (or will be) located a 1-to-4 family, borrower-occupied structureAt least 3 business days prior to consummationN.M. Stat. Ann. § 58-21A-5(e) (West 2012)Home Loan Protection ActStatutoryInitial DisclosureAdvanced Fee/Application DisclosureCx2783A licensee under the Mortgage Loan Company Act (N.M. Stat. Ann. §§ 58-21-1 through 58-21-32)BothA mortgage loan A 1-to-4 unit dwelling or residential real estate upon which is (or will be) a dwellingNot specifiedN.M. Admin. Code 12.19.8.8(D)(2) (2013)Mortgage Loan Company ActNoInitial DisclosureNM Freedom to Choose Insurance CompanyCx2794A lenderBothA loan of money secured by real or personal propertyReal or personal propertyNot specified.N.M. Stat. Ann. § 59A-16-14(A) (West 2012); N.M. Admin. Code 13.7.2.8 (2013)New Mexico Insurance CodeAdministrativeInitial DisclosureNM Authorization for Lender to Obtain InsuranceCx2795A lenderBothA loanReal or personal propertyAfter signing Cx2794N.M. Admin. Code 13.7.2.9 (2013)New Mexico Insurance CodeAdministrativeInitial DisclosureNM Attorney PreferenceCx8809Not specifiedBothA home loanReal estate upon which there is (or will be) a 1-to-4 family, borrower-occupied structureNot specifiedN.M. Stat. Ann. § 58-21A-3(M)(1)(d)(8) (West 2012)Home Loan Protection ActNoInitial DisclosureTangible Net Benefit WorksheetCx12531 (upon request)A creditorBothA home loan which refinances another home loanReal estate upon which there is (or will be) a 1-to-4 family, borrower-occupied structureNot specifiedN.M. Stat. Ann. § 58-21A-4(b) (West 2012)Home Loan Protection ActNoInitial DisclosureAddendum to Loan ApplicationCx13441Not specifiedBothNot specifiedNot specifiedNot specified, but practically at applicationN.M. Stat. Ann. § 40-1-4 (West 2012); N.M. Attn’y Gen. Opinion No. 11-01NoInitial DisclosureNM Rate Lock DisclosureCx14305 or Cx14725 (upon request)A mortgage loan company, licensed under the Mortgage Loan Company ActBothA mortgage loanA 1-to-4 unit dwelling or residential real estate upon which is (or is intended to be) construction a dwellingNot specifiedN.M. Stat. Ann. § 58-21-31(B) & (F) (West 2012); N.M. Admin. Code 12.19.8.12(A) (2013)Mortgage Loan Company ActNew Mexico Rate Lock/Float DisclosureInitial Disclosure & TILA RedisclosureMortgage Loan Summary on Good Faith Estimate 01-01-10 and Initial Truth-In-Lending DisclosureCx1591 (Federal) and Cx14221 (Federal)Either: (1) a mortgage loan company, licensed under the Mortgage Loan Company Act; or (2) a mortgage loan originator, licensed under the New Mexico Loan Originator Licensing ActBothEither: (1) a mortgage loan; or (2) a residential mortgage loanA 1-to-4 unit dwelling or residential real estate upon which is (or is intended to be) constructed a dwellingAt least 2 days prior to closing.N.M. Stat. Ann. §§ 58-21-31(E), 58-21B-20(A)(6) & (A)(7), & 58-21B-20(B)(2) (West 2012); N.M. Admin. Code 12.19.2.13 & 12.19.8.12(B) (2013)Mortgage Loan Company Act and New Mexico Mortgage Loan Originator Licensing Act12 CFR Pt. 1024, App. C & Pt. 1026, App. HInitial 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 1-ot-4 unit dwelling or residential real estate upon which is (or will be) a dwellingOn the applicationN.M. Stat. Ann. § 58-21B-24 (West 2012)New Mexico Mortgage Loan Originator Licensing ActFNMA 1003 Form - Uniform Residential Loan ApplicationClick here for Table of ContentsClick here for Table of ContentsNew York(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureNY Lock-in Expiration NoticeCx1569A mortgage banker licensed under Article 12-D of the Banking Law or an exempt organizationLendersA mortgage loanResidential real property, improved by a 1-to-4 family, owner-occupied dwellingNot less than 12 business days or more than 20 business days prior to the commitment expiration.N.Y. Banking Law § 595-a(3)(c) (McKinney 2013); N.Y. Comp. Codes R. & Regs. tit. 3, § 38.4(d) (2013)Banking LawNoInitial DisclosureNY Insurance DisclosureCx1572A mortgage banker licensed under Article 12-D of the Banking Law or an exempt organizationLendersA mortgage loanResidential real property, improved by a 1-to-4 family, owner-occupied dwellingAt the time of commitment, or if no commitment, at the time of application.N.Y. Comp. Codes R. & Regs. tit. 3, § 38.9 (2013)Banking LawNoInitial DisclosureNY Interest Rate DisclosureCx3572Either: (1) a mortgage lending institution or a mortgage banker licensed under Article 12-D of the Banking Law; or (2) an exempt organizationBothEither: (1) a loan secured by real property used for residential purposes; or (2) a mortgage loanEither: (1) real property used for residential purposes; or (2) Residential real property, improved by a 1-to-4 family, owner-occupied dwelling At applicationN.Y. Banking Law § 9-o(2) (McKinney 2013); N.Y. Comp. Codes R. & Regs. tit. 3, § 38.3(d) (2013)Banking LawNoInitial DisclosureNY Pre-Application Disclosure and Fee Agreement for Licensed BrokersCx3587A mortgage broker, who is registered under Article 12-D of the Banking LawBrokersA mortgage loanResidential real property, improved by a 1-to-4 family, owner-occupied dwellingPrior to taking an application or collecting an application, credit report, or property appraisal feeN.Y. Comp. Codes R. & Regs. tit. 3, § 38.3(a)(1) (2013)Banking LawPre-Application Disclosure and Fee Agreement (brokers)Initial DisclosureNY Interest Rate Lock CommitmentCx3588A mortgage banker licensed under Article 12-D of the Banking Law or an exempt organizationBothA mortgage loan, used to purchase a dwelling or in which a commitment fee or paints are paid to the lenderResidential real property, improved by a 1-to-4 family, owner-occupied dwellingAt the time of commitment and prior to the acceptance of a commitment fee or points.N.Y. Comp. Codes R. & Regs. tit. 3, § 38.4(a) (2013)Banking LawNew York Interest Rate Lock CommitmentInitial DisclosureNY High Cost Loan DisclosureCx3650A mortgage broker or a lender, who is either licensed under Article 12-D of the Banking Law or who is an exempt organizationBothA high cost home loanReal estate upon which there is (or will be) located a 1-to-4 family, borrower-occupied structureAt or prior to taking an applicationN.Y. Comp. Codes R. & Regs. tit. 3, § 41.4(a) (2013)Banking LawAdministrativeInitial DisclosureNY High Cost Loan Insurance DisclosureCx3673A broker or a lender, who is either licensed under Article 12-D of the Banking Law or who is an exempt organizationBothA high cost home loanReal estate upon which there is (or will be) located a 1-to-4 family, borrower-occupied structureAt least 10 business days before the loan is closed.N.Y. Comp. Codes R. & Regs. tit. 3, § 41.5(b)(5) (2013)Banking LawNoInitial DisclosureNY High Cost Loan Counseling DisclosureCx3674A lender or mortgage broker, who are either licensed or registered under Article 12-D of the Banking Law or who are an exempt organizationBothA high cost home loanReal estate improved by a 1-to-4 family, borrower-occupied structureAt the time of applicationN.Y. Banking Law § 6-l(2)(l)(i) (McKinney 2013); N.Y. Comp. Codes R. & Regs. tit. 3, § 41.3(a)(1) (2013)Banking LawStatutory & AdministrativeInitial DisclosureNY Prevailing Interest Rate CommitmentCx3710A licensee under Article 12-D of the Banking Law (aka a mortgage banker) or an exempt organizationBothA mortgage loanResidential real property, consisting of real property improved by a 1-to-4 family, owner-occupied dwellingPrior to acceptance of a commitment fee, points, or other discountsN.Y. Comp. Codes R. & Regs. tit. 3, § 38.5 (2013)Banking LawNew York Prevailing Interest Rate CommitmentInitial DisclosureNY Balloon Payment DisclosureCx4168A lenderBothEither: (1) a balloon-payment mortgage loan, consisting of a term of 3 years or more, which is a junior mortgage with an outstanding balance of $250,000 or less (including all lien balances); or (2) a balloon-payment mortgage loan, which is a primary lien, which has a principal amount of less than $250,000, and which has an adjustable interest rateReal property improved by a 1-to-4 family, owner-occupied residencePrior to accepting an applicationN.Y. Comp. Codes R. & Regs. tit. 3, §§ 80.4(a) & (b) and 82.6(a) & (b) (2013)Banking LawAdministrativeInitial DisclosureNY Lock In AgreementCx5099A mortgage banker, who is licensed under Article 12-D of the Banking Law or an exempt organizationLendersA mortgage loanResidential real property, consisting of real property improved by a 1-to-4 family, owner-occupied dwellingPrior to taking any points or a lock-in feeN.Y. Comp. Codes R. & Regs. tit. 3, § 38.6 (2013)Banking LawNew York Lock-In AgreementInitial DisclosureNY Pre-Application Disclosure for Licensed BankersCx5100A mortgage banker, who is licensed under Article 12-D of the Banking Law or an exempt organization, either of whom are acting in a brokerage capacityLendersA mortgage loanResidential real property, consisting of real property improved by a 1-to-4 family, owner-occupied dwellingPrior to taking an application or collecting an application, credit report, or appraisal feeN.Y. Comp. Codes R. & Regs. tit. 3, § 38.3(c)(1) (2013)Banking LawPre-Application Disclosure and Fee Agreement (brokers)Initial Disclosure Junior Lien DisclosureCx5283A lenderBothA junior mortgage loan of $250,000 or less (combined with all outstanding balances), including a revolving credit line, in an amount of $2,500 or moreReal property improved by a 1-to-4 family owner-occupied residencePrior to accepting an application.N.Y. Comp. Codes R. & Regs. tit. 3, §§ 80.4(c) & 80.10(b) (2012)Banking LawAdministrativeInitial DisclosureNY Application DisclosureCx9710A mortgage banker, who is licensed under Article 12-D of the Banking Law or an exempt organizationLendersA mortgage loan, used to finance the purchase of a dwelling, or in connection therewith commitment fees or points are paid prior to closingResidential real property, consisting of real property improved by a 1-to-4 family, owner-occupied dwellingPrior to the taking of an application, application fee, credit report fee, or property appraisal feeN.Y. Comp. Codes R. & Regs. tit 3, § 38.3(b)(1) (2013)Banking LawPartial AdministrativeInitial DisclosureNY Consumer Caution NoticeCx12865A lender or mortgage broker, who are either licensed or registered under Article 12-D of the Banking Law or who are an exempt organizationBothA high cost home loanReal estate improved by a 1-to-4 family, borrower-occupied structureWithin 3 days after determining the loan is a high-cost home loan, but no less than 10 days before closing.N.Y. Banking Law § 6-l(2)(l)(ii) (McKinney 2012); N.Y. Comp. Codes R. & Regs. tit. 3, § 41.3(a)(2) (2013)Banking LawStatutory & AdministrativeInitial DisclosureNY Notice to BorrowerCx12870A lender or a broker, who is either licensed or registered under Article 12-D of the Banking Law or who are an exempt organizationBothA high cost home loanReal estate upon which is (or will be) a 1-to-4 family, borrower-occupied structureAt application or, if application is made by telephone, within 3 days after determining the loan is a high-cost home loan, but no less than 10 days before closing.N.Y. Comp. Codes R. & Regs. tit. 3, § 41.4(d) (2013)Banking LawAdministrativeInitial DisclosureAddendum to Loan ApplicationCx13441Not specifiedBothNot specifiedNot specifiedNot specified, but practically at applicationN.Y. Dom. Rel. Law § 10-a (McKinney 2013)Domestic Relations LawNoInitial DisclosureGood Faith Estimate 01-01-10Cx14221 (Federal)A mortgage broker, who is licensed under Article 12-D of the Banking LawBrokersA home loanNot specifiedWithin 3 days after receipt of application.N.Y. Banking Law § 590-b(1)(e) (McKinney 2012)Banking Law12 CFR Pt. 1024, App. AInitial DisclosureNY Subprime Loan Counseling DisclosureCx14482A lender or mortgage broker, who are licensed or registered under Article 12-D of the Banking Law or who are an exempt organizationBothA subprime home loanReal estate improved by a 1-to-4 family, owner-occupied dwellingAt the time of application.N.Y. Banking Law § 6-m(2)(j) (McKinney 2012)Banking LawStatutoryInitial DisclosureNY FHA Mortgage Loan Correspondent DisclosureCx14650A FHA mortgage loan correspondentBothA mortgage loanResidential real property, improved by a 1-to-4 family, owner-occupied dwellingPrior to accepting an application, application fee, credit report fee, or property appraisal feeN.Y. Comp. Codes R. Regs. tit. 3, § 38.13(d) (2013)Banking LawAdministrativeInitial DisclosureNY Notice of Right to Select AttorneyCx15665 (upon request)A mortgage broker or mortgage banker licensed or registered under Article 12-D of the Banking Law, or an exempt organization BothA mortgage loanResidential real property, improved by a 1-to-4 family, owner-occupied dwellingNot specifiedN.Y. Comp. Codes R. & Regs. tit. 3, § 38.7(a)(11) (2013)Banking LawNoInitial DisclosureHigh Cost Tangible Net Benefit WorksheetCx15773 (upon request)A lender, who is either a licensed mortgage banker under Article 12-D of the Banking Law or an exempt organizationBothA high cost home loanReal estate upon which there is (or will be) a 1-to-4 family, owner-occupied structureNot specifiedN.Y. Comp. Codes R. & Regs. tit. 3, § 41.5(b)(4) (2013)Banking LawNoInitial DisclosureNY Dual Capacity DisclosureCx16585A mortgage broker, mortgage banker, or exempt entity acting as a mortgage broker, any of which is also acting as a real estate brokerBrokersA mortgage loanResidential real property, improved by a 1-to-4 family, owner-occupied dwellingAt the first substantive contact between the broker and the borrower.N.Y. Comp. R. & Regs. tit. 3, § 38.12 (2013)Banking LawAdministrativeInitial DisclosureNY Non-Purchase Residential Mortgage Loan DisclosureCx17012 (upon request)A mortgage banker licensed under Article 12-D of the Banking Law or an exempt organizationLendersA mortgage loan, the proceeds of which are not for purchasing or construction purposes and in connection therewith no commitment fees or points are paid to the lender prior to closingResidential real property, improved by a 1-to-4 family, owner-occupied dwellingAt loan approvalN.Y. Comp. Codes R. & Regs. tit. 3, § 38.4(b) (2013)Banking LawNoAdverse ActionStatement of Credit Denial, Termination or ChargeCx15858 (Federal)Either: (1) a banking organization or licensed mortgage banker under Article 12-D of the Banking Law which originates mortgage loans; or (2) a creditorBothEither: (1) a mortgage loan; or (2) creditReal propertyNot specifiedN.Y. Banking Law § 6-d (McKinney 2012); N.Y. Exec. Law § 296-a(4) (McKinney 2012)Banking Law and Executive Law12 CFR Pt. 1002, App. C; Form C-1Initial Disclosure & ClosingCopy of Appraisal Report NoticeCx6 (Federal)A lenderBothA loan or forbearance secured primarily by an interest in real propertyReal propertyNot specifiedN.Y. Real Prop. Law § 254-C(1) (McKinney 2012)Real Property Law12 CFR Pt. 1002, App. C; Form C-9Initial Disclosure & ClosingVarious TILA DisclosuresCx18, Cx1591, and other TILA Disclosures (all Federal)A bank, trust company, savings bank, savings and loan association, credit union, mortgage banker and branch or agency of a foreign banking corporation licensed under Article 2 of the Banking LawBothA mortgage loan, which is a primary lien, which has a principal amount of less than $250,000, and which has an adjustable interest rateReal property, consisting of 1-to-4 family residences occupied by the ownerPrior to accepting an application for a loanN.Y. Comp. Codes R & Regs. tit. 3, §§ 82.6 & 82.9 (2012)Bonking Law12 CFR Pt. 1026, App. HInitial Disclosure & ClosingNY Fair Credit Reporting Act DisclosureCx3576A person who intends to use a consumer credit report in connection with a credit transaction involving the consumerBothAn extension of creditNot specifiedBefore a person requests a consumer report.N.Y. Gen. Bus. Law § 380-b (McKinney 2012)Fair Credit Reporting 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 1203[v] of TILA), or residential real property, which is improved by a 1-to-4 family residenceOn the applicationN.Y. Banking Law § 599-P (McKinney 2012)Banking LawFNMA 1003 Form - Uniform Residential Loan ApplicationInitial Disclosure & ClosingCredit Score Disclosure – B-3/H-3Cx15312 (Federal)A banking organization and licensed mortgage banker under Article 12-D of the Banking Law which originates mortgage loansBothA mortgage loanReal propertyNot specified, but practically after approving a loan with materially less favorable terms than normalN.Y. Banking Law § 6-d (McKinney 2012)Banking Law12 CFR Pt. 1022, App. H; 16 CFR Pt. 698, App. B; Form B-3/H-3ClosingSubprime or High-Cost Home Loan Legend on NY MortgagesOn Cx343 (FNMA/FHLMC), Cx396 (FHA), Cx501, Cx16198, & Cx16245Not specifiedBothA high-cost home loan or a subprime home loanReal estate improved by a 1-to-4 unit family dwelling used as the borrower’s principal dwellingOn the mortgageN.Y. Banking Law §§ 6-l(2-a)(a) & 6-m(5) (McKinney 2012); N.Y. Comp. R. & Regs. tit. 3, § 41.7 (2013)Banking LawStatutoryFNMA Instructions to Form 3033ClosingFixed Rate Note New York SecondOn Cx1066A licensee (aka mortgage banker) under Article 12-D, Chapter 2 of the Banking LawBothA junior mortgage loanResidential real property, consisting of real property improved by a 1-to-4 familyOn the noteN.Y. Banking Law § 590-A(2) (McKinney 2012)Banking LawNoClosingNY Smoke Alarm AffidavitCx1419The sellerBothA conveyance (i.e. a purchase loan)Real property containing a 1-to-2 family dwelling or condo unit used as a residenceGrantor provides at the time of conveyanceN.Y. Exec. Law § 378(5-b)(d) (McKinney 2012)New York State Uniform Fire Prevention and Building Code ActNoClosingNY Consolidation, Extension and Modification AgreementCx1583Not specifiedBothA refinance mortgage (sometimes a purchase money mortgage)Real propertyAt closingN.Y. Tax Law §§ 250 through 267 (McKinney 2012);FNMA 2013 Selling Guide, B8-2-02New York Consolidation, Extension, and Modification AgreementClosingNew York Notice of Creation, Transfer, or Termination of TaxCx2075 (upon request)A mortgage investing institutionBothA loan with a real property tax escrow accountA 1-to-6 family, owner-occupied residenceNo later than the 25th day of each monthN.Y. Real Prop. Tax Law § 953(9) (McKinney 2012) RP-953 Notice of Change in Status of Tax Escrow Account ClosingNY Tax Escrow Account DesignationCx2657Not specified, but practically a mortgage investing institutionBothA loan with a real property tax escrow accountA 1-to-6 family, owner-occupied residenceNot specifiedN.Y. Real Prop. Tax § 954(1) (McKinney 2012)RP-954 Tax Escrow Account Designation of Mortgage Investing Institution to Receive Tax BillsClosingNY Notice to CosignerCx12871A creditorBothA consumer credit transactionNot specifiedAt closingN.Y. Gen. Oblig. Law § 15-702(3) (McKinney 2012)StatutoryClosingNY Property Insurance Escrow Account DisclosureCx15034A mortgage investing institutionBothA loan with a real property insurance escrow accountA 1-to-4 family, owner-occupied residenceAt the time of the establishment of the real property insurance escrow account.N.Y. Banking Law § 6-k(2)(f) (McKinney 2012)Banking LawStatutoryClick here for Table of ContentsClick here for Table of ContentsNorth Carolina(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureNC Notice of InformationCx1271A lenderBothA home loan, which is a first lien loan with a principal amount of less than $300,000Real estate upon which there is located 1-to-4 family dwellings or dwelling unitsNot later than closing or 3 business days after receiving an application, whichever is earlier.N.C. Gen. Stat. § 24-1.1A(a1)(1) (West 2012)Notice of Amortization Information & ExamplesInitial DisclosureAnti-Coercion Insurance DisclosureCx2778Either: (1) a person, firm, or corporation engaged in lending money; or (2) a creditorBothA loan for the purchase of property or a loan of money on the security of a security instrument on the propertyReal or personal propertyNot specifiedN.C. Gen. Stat. §§ 75-17, 75-18, & 58-57-65 (West 2012)NoInitial DisclosureRight to Choose AttorneyCx3846Not specifiedBothA high-cost home loanA manufactured home or real estate with 1-to-4 dwelling units occupied as the borrower’s principal dwellingNot specifiedN.C. Gen. Stat. Ann. § 24-1.1E(a)(5)(b)(ii) (West 2012)NoInitial DisclosureNC Acknowledgement of Fixed Rate Loan Terms and CostsCx13327Any person in the course of any residential loan transactionBothA residential mortgage loan, which is also a rate spread adjustable rate loanA dwelling, consisting of 1-to-4 units, or residential real estate upon which is (or is intended to be) a dwellingNot specified, bet practically before brokering a rate spread adjustable rate loan.N.C. Gen. Stat. Ann. § 53-244.111(13) (West 2012)North Carolina Secure and Fair Enforcement (S.A.F.E.) Mortgage Licensing ActNoInitial Disclosure & ClosingCopy of Appraisal Report NoticeCx6 (Federal)A bank, savings and loan association, savings bank, or credit unionBothA loan secured by real property Real propertyNot specifiedN.C. Gen. Stat. Ann. § 24-10(h) (West 2012)12 CFR Pt. 1002, App. CInitial Disclosure, Processing, Underwriting, & ClosingNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn Cx4193 (FNMA/FHLMC)A mortgage loan originator or other person engaged in the mortgage businessBothA residential mortgage loanA dwelling, consisting of 1-to-4 units, or residential real estate upon which is (or is intended to be) a dwellingOn the applicationN.C. Gen. Stat. Ann. § 53-244.107 (West 2012)North Carolina Secure and Fair Enforcement (S.A.F.E.) Mortgage Licensing ActFNMA 1003 Form - Uniform Residential Loan ApplicationInitial Disclosure & ProcessingNC Fee Information From Your Mortgage BrokerCx15944 (upon request)A mortgage brokerBrokersA residential mortgage loanA dwelling, consisting of 1-to-4 units, or residential real estate upon which is (or is intended to be) a dwellingIn a timely mannerN.C. Gen. Stat. Ann. § 53-244.109(5) (West 2012)North Carolina Secure and Fair Enforcement (S.A.F.E.) Mortgage Licensing ActModel Mortgage Broker Disclosure FormClosingNC Tangible Net Benefit WorksheetCx2031A lenderBothA consumer home loan which refinances another consumer home loanReal estate with 1-to-4 units which is the borrower’s principal dwellingNot specifiedN.C. Gen. Stat. § 24-10.2(c) (West 2012)NoClick here for Table of ContentsClick here for Table of ContentsNorth Dakota(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureND VA Loan Applicants DisclosureCx1602A lenderLendersA mortgage loan insured or guaranteed by the United States Veteran’s AdministrationReal property.At applicationN.D. Cent. Code Ann. § 35-03-01.3 (West 2012)StatutoryInitial DisclosureND Money Broker ContractCx1904A money brokerBrokersA loanNot specifiedBefore the money broker performs any services for a potential borrowerN.D. Admin. Code §§ 13-05-01-02, 13-05-01-05, & 13-05-01-09 (2013)Partial AdministrativeInitial DisclosureND Money Broker Loan Disclosure StatementCx1905A money brokerBrokersA loanNot specifiedWhen a loan is arrangedN.D. Admin. Code 13-05-01-03 & 13-05-01-04 (2013)Partial StatutoryInitial DisclosureAnti-Coercion Insurance DisclosureCx2778A personBothA purchase loan or a lending of money on the security of propertyPropertyNot specifiedN.D. Cent. Code Ann. § 26.1-04-04 (West 2012)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 as Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) a dwellingOn the applicationN.D. Cent. Code Ann. § 13-10-21 (West 2012)FNMA 1003 Form - Uniform Residential Loan ApplicationClick here for Table of ContentsClick here for Table of ContentsOhio(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureAnti-Coercion Insurance DisclosureCx2778A personBothA lending of money, extension of credit, renewal of an extension of credit, or a residential mortgageResidential and real property, including a mobile or manufactured homeNot specifiedOhio Rev. Code Ann. §§ 3901.211 & 3933.04 (West 2012)NoInitial DisclosureSection 32 Mortgage Loan DisclosureCx2790 (Federal)A creditorBothA covered loanA consumer’s principal dwellingNo less than 3 business days prior to consummationOhio Rev. Code Ann. § 1349.26 (West 2012) HOEPA Disclosure Requirements Initial DisclosureOH Mortgage Loan Origination DisclosureCx3472Either: (1) a licensee or registrant under Chapter 1321, Title 13 of Ohio’s Revised Code (aka the Mortgage Loan Act); or (2) a licensee or a registrant under Chapter 1322, Title 13 of Ohio’s Revised Code (aka the Mortgage Broker Act)BrokersA residential mortgage loan A dwelling (as defined in Section 103 of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingWithin 3 business days after taking an applicationOhio Rev. Code Ann. §§ 1321.592(B) & 1322.062(A) (West 2012); Ohio Admin. Code § 1301:8-7-15(A) (2012)Mortgage Loan Act and Mortgage Broker Act MLODS and High Loan to Value; 2 of them Initial DisclosureOH Affiliated Agreement DisclosureCx3843A lending institution, service corporation, or any person engaged in providing real estate brokerage servicesBothA real estate loanReal estateNot specifiedOhio Rev. Code Ann. § 1349.11 (West 2012)NoInitial DisclosureOH Addendum to Uniform Residential Loan ApplicationCx4689A creditorBothCreditNot specifiedAt applicationOhio Rev. Code Ann. § 4112.021(B)(1)(g) (West 2012)StatutoryInitial DisclosureOH Escrow Account DisclosureCx11197A licensee or registrant under Chapter 1321, Title 13 of Ohio’s Revised Code (aka the Mortgage Loan Act)LendersA non-brokered loan secured by a lien on real propertyReal propertyNot earlier than 3 business days nor late than 24 hours before closingOhio Rev. Code Ann. § 1321.592(A) (West 2012)Mortgage Loan ActNotice of Escrow Taxes/Insurance and Regular Monthly PaymentInitial DisclosureOH High Loan to Value DisclosureCx11198Either: (1) a licensee or registrant under Chapter 1321, Title 13 of Ohio’s Revised Code (aka the Mortgage Loan Act); or (2) a licensee or a registrant under Chapter 1322, Title 13 of Ohio’s Revised Code (aka the Mortgage Broker Act)BothA residential mortgage loan which exceeds 90% LTVA dwelling (as defined in Section 103 of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingWithin 3 business days after taking an applicationOhio Rev. Code Ann. §§ 1321.592(B) & 1322.062(A)(1)(J) (West 2012)Mortgage Loan Act and Mortgage Broker ActHigh Loan to Value DisclosureInitial DisclosureOH Addendum to the GFE and Good Faith Estimate 01-01-10Cx11204 & Cx14221 (Federal)A licensee or a registrant under Chapter 1322, Title 13 of Ohio’s Revised Code (aka the Mortgage Broker Act)BothA residential mortgage loanA dwelling (as defined in Section 103 of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingWithin 3 business days after taking an applicationOhio Rev. Code Ann. § 1322.062(D) (West 2012); Ohio Admin. Code 1301:8-7-15(D) (2012)Mortgage Broker ActMortgage Loan Origination Disclosure Statement [MLODS] Addendum12 CFR Pt. 1024, App. CInitial Disclosure OH Escrow Account DisclosureCx11205A licensee or a registrant under Chapter 1322, Title 13 of Ohio’s Revised Code (aka the Mortgage Broker Act)BrokersA residential mortgage loanA dwelling (as defined in Section 103 of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingNot earlier than 3 business days nor later than 24 hours before closingOhio Rev. Code Ann. § 1322.063 (West 2012)Mortgage Broker ActEscrow of Taxes & Regular Monthly PaymentInitial DisclosureOH Business Relationship Disclosure NoticeCx12271A licensee or a registrant under Chapter 1322, Title 13 of Ohio’s Revised Code (aka the Mortgage Broker Act), including people who are required to be registered or licensedBothA residential mortgage loanA dwelling (as defined in Section 103 of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingBefore referring the buyer to any settlement service provider.Ohio Code Ann. § 1322.075 (West 2012); Ohio Admin. Code 1301:8-7-25 (2012)Mortgage Broker ActBusiness Relationships Disclosure NoticeInitial DisclosureOhio Notice of Change in Mortgage TermsCx12463 (upon request)A licensee or a registrant under Chapter 1322, Title 13 of Ohio’s Revised Code (aka the Mortgage Broker Act)BothA residential mortgage loanA dwelling (as defined in Section 103 of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingNot later than 24 hours after the information in Cx3472 changes, or 24 hours before the loan is closed, whichever is earlier.Ohio Rev. Code Ann. §§ 1322.062(B) & 1322.064 (West 2012)Mortgage Broker ActNotice of Change in Mortgage TermsInitial DisclosureTangible Net Benefit WorksheetCx12531 (upon request)A creditorBothA covered loan which refinances another covered loan within 1 year, excluding a residential mortgage transactionProperty used as the consumer’s principal dwellingNot specifiedOhio Code Ann. § 1349.27(G) (West 2012)NoInitial DisclosureOH Verification of Prepurchase Counseling and Acknowledgment of Risk DisclosureCx13488A creditorBothA covered loan, excluding a residential mortgage transactionProperty used as the consumer’s principal dwellingBefore consummationOhio Rev. Code Ann. § 1349.27(K) (West 2012)Prepurchase Counseling VerificationInitial DisclosureOH Conflict of Interest DisclosureCx13605 (upon request)A registrant under the Second Mortgage Loan Act (Ohio Rev. Code Ann. §§ 1321.51 through 1321.60)BothA residential mortgage loanA dwelling (as defined in Section 103 of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingPrior to furnishing or placing insuranceOhio Admin. Code 1301:8-3-17(D) (2012)Second Mortgage Loan ActNoInitial DisclosureOhio Insurance Notice to ApplicantCx13606 (upon request)A registrant under the Second Mortgage Loan Act (Ohio Rev. Code Ann. §§ 1321.51 through 1321.60)BothA residential mortgage loanA dwelling (as defined in Section 103 of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingAt the time the loan is madeOhio Admin. Code 1301:8-3-17(B) (2012)Second Mortgage Loan ActNoInitial Disclosure & ClosingOH Homebuyers’ Protection ActCx11195A supplier (i.e. a loan officer, mortgage broker, or nonbank mortgage lender)BothA residential mortgageReal property containing (or which shall contain) 1-to-2 residential unitsAt application, or within 5 days if application is not submitted in person.Ohio Rev. Code Ann. § 1345.05(A)(4) & (G) (West 2012); Ohio Admin. Code 109:4-3-29 (2012)Ohio Homebuyers' Protection Act - Informational DocumentInitial Disclosure & ClosingOH Acknowledgement of Receipt of Home Mortgage Loan Informational DocumentCx12447A supplier (i.e. a loan officer, mortgage broker, or nonbank mortgage lender)BothA residential mortgageReal property containing (or which shall contain) 1-to-2 residential unitsAt application, or within 5 business days if application is not submitted in person.Ohio Rev. Code Ann. § 1345.05(G) (West 2012); Ohio Admin. Code 109:4-3-29 & 109:4-3-29 Appendix (2012)Acknowledgment of Receipt of Home Mortgage Loan Informational DocumentInitial Disclosures & ClosingOH Promise to Refinance LoanCx16235 (upon request)A registrant or a licensee under Chapter 1322, Title 13 of Ohio’s Revised Code (aka the Mortgage Broker Act), including people required to be a registrant or licensee, and a sole proprietorBothA residential mortgage loanA dwelling (as defined in Section 103 of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingAt the time the indebtedness is incurredOhio Rev. Code Ann. § 1322.07(H) (West 2012)Mortgage Broker ActNoClosingOH Closing DisclosureCx11267A supplier (i.e. a loan officer, mortgage broker, or nonbank mortgage lender)BothA consumer transaction connected with a residential mortgageReal property containing (or which shall contain) 1-to-2 residential units At closingOhio Rev. Code Ann. § 1345.031(B)(8) (West 2012); Ohio Admin. Code 109:4-3-23 & 109:4-3-23 Appendix (2012)Closing Disclosure FormClosingOH Statutory Authority DisclosureCx13536A registrant under the Second Mortgage Loan Act (Ohio Rev. Code Ann. §§ 1321.51 through 1321.60)BothA residential mortgage loanA dwelling (as defined in Section 103 of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingWith the loan documentsOhio Admin. Code 1301:8-3-07(H) (2012)Second Mortgage Loan ActNoClosingOH ARM DisclosureCx13537A registrant under the Second Mortgage Loan Act (Ohio Rev. Code Ann. §§ 1321.51 through 1321.60)BothA residential mortgage loanA dwelling (as defined in Section 103 of TILA) or residential real estate upon which is (or is intended to be) constructed a dwellingAt least 6 months, but not more than 7 months, in advance of the initial scheduled interest reset dateOhio Admin. Code 1301:8-3-07(G)(3) (2012)Second Mortgage Loan ActNoClosingOH Optional Credit InsuranceCx16236Not specifiedA loan or credit transaction, which is generally secured by a junior lienNot specifiedAt the time the indebtedness is incurredOhio Rev. Code Ann. § 3918.06(D) (West 2012); Ohio Admin. Code 3901-1-14(B)(4) & 3901-1-14, App. I (2012)AdministrativeClick here for Table of ContentsClick here for Table of ContentsOklahoma(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLenders/Brokers/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureAnti-Coercion Insurance DisclosureCx2788Either: (1) any person who is engaged in the business of insurance; or (2) a lenderBothEither: (1) a loan of money upon the security of real or personal property; or (2)a residential mortgageReal or personal property, includingresidential propertyNot specifiedOkla. Stat. Ann. tit. 36, §§ 1204(9) & 3639.3 (West 2012)Oklahoma Insurance CodeNoInitial DisclosureOK Insurance Notice to ObligorCx3324A creditorBothA Subsection 10 mortgageA consumer’s principal dwellingNo later than the time of closingOkla. Stat. Ann. tit. 14A, § 4-113 (West 2012)Uniform Consumer Credit Code - LoansStatutoryInitial DisclosureOK Subsection 10 Mortgage Loan DisclosureCx3325A creditorBothA Subsection 10 mortgageA consumer’s principal dwellingNot less than 3 business days prior to consummation.Okla. Stat. Ann. tit. 14A, § 3-309.4(1) (West 2012)Uniform Consumer Credit Code - LoansStatutoryInitial DisclosureOK Title Protection NoticeCx3851A mortgageeBothA financing for the purchase of property (i.e. a purchase money mortgage)Real property which is either improved property or unimproved property which is purchased with a construction loanAt the time of applicationOkla. Stat. Ann. tit. 46, § 20 (West 2012)NoInitial DisclosureGood Faith Estimate 01-01-10 and other Initial RESPA DisclosuresCx14221 and other RESPA Disclosures (all Federal)A mortgage broker or mortgage loan originatorBothA residential mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed such a dwellingUpon receipt of a loan application and before receipt of any money from a borrowerOkla. Stat. Ann. tit. 59, § 2095.15(B) (West 2012)Oklahoma Secure and Fair Enforcement for Mortgage Licensing Act12 CFR Pt. 1024, AppendicesInitial DisclosureTangible Net Benefit WorksheetCx15773 (upon request)A creditorBothA “Subsection 10” mortgage, which refinances a consumer loan in which the value of the collateral is substantial in relation to the loan amount and the finance charge exceeds 13% per year.A consumer’s principal dwellingNot specifiedOkla. Stat. Ann. tit. 14A, § 3-411 (West 2012)Uniform Consumer Credit Code - LoansNoInitial DisclosureCost of Insurance DisclosureCx16488A lenderBothA consumer loan, in which the value of the collateral is substantial in relation to the loan amount and the finance charge exceeds 13% per year.An interest in landNot specified, but practically before assessing charges for additional insurancesOkla. Stat. Ann. tit. 14A, § 3-202(3)(a) & (3)(b) (West 2012)Uniform Consumer Credit Code - LoansNoInitial Disclosure, TILA Redisclosure, & ClosingAll TILA DisclosuresCx18, Cx1591, and other TILA Disclosures (all Federal)A lenderBothA consumer loan, in which the value of the collateral is substantial in relation to the loan amountAn interest in land, including the borrower’s principal dwellingVariousOkla. Stat. Ann. tit. 14A, §§ 3-301 through 313 (West 2012)Uniform Consumer Credit Code - Loans12 CFR Pt. 1026, App. G & HInitial Disclosure, Processing, Underwriting, & ClosingNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn Cx4193 (FNMA/FHLMC)A licensed mortgage broker or mortgage loan originator under the Oklahoma Secure and Fair Enforcement for Mortgage Licensing ActBothA residential mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed such a dwellingOn the applicationOkla. Stat. Ann. tit. 59, § 2095.4 (West 2012)Oklahoma Secure and Fair Enforcement for Mortgage Licensing ActFNMA 1003 Form - Uniform Residential Loan ApplicationClick here for Table of ContentsClick here for Table of ContentsOregon(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLender/Broker/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureServicing Disclosure StatementCx20 (Federal)A person in connection with a mortgage loanBothA mortgage loanReal estateNot specifiedOr. Admin. R. 441-870-0070(1) (2012)Oregon Mortgage Lender Law12 CFR Pt. 1024, App. MS-1Initial DisclosureOR Escrow Account StatementCx2761A mortgage servicing companyBothA real estate loan of $100,000 or lessResidential property, including multifamily property, occupied by borrowerPrior to entering into a real estate loan agreementOr. Rev. Stat. Ann. § 86.270 (West 2012)NoInitial DisclosureOR Escrow Account Option NoticeCx2775A lenderBothA real estate loan of $100,000 or lessResidential property, including multifamily property, occupied by borrowerBefore arranging for prepayments of taxes, insurance, and similar charges.Or. Rev. Stat. Ann. § 86.255 (West 2012)NoInitial DisclosureAnti-Coercion Insurance DisclosureCx2778A depository institution BothA loan of money or extension of creditPropertyNot specifiedOr. Rev. Stat. Ann. § 746.215 (West 2012)NoInitial DisclosureAdvanced Fee/Application DisclosureCx2783A mortgage banker or mortgage brokerBothNot specifiedNot specifiedPrior to or at the time of receipt of advance fees.Or. Admin. R. 441-875-0030(8) (2012)NoInitial DisclosureOR Float or Lock AgreementCx4297A mortgage banker, mortgage broker, or mortgage loan originatorBothResidential or single family loansNot specifiedNot specifiedOr. Admin. R. 441-850-0005(21), 441-865-0060(1)(c), & 441-870-0030(2) (2012)Interest Rate Lock/Float Agreement 440-4828Initial DisclosureOR Late Charge NoticeCx4679A lender, except for a mortgage banking or mortgage servicing companyBothA loan secured by residential real propertyResidential real propertyPrior to execution of the mortgageOr. Rev. Stat. Ann. §§ 86.165 & 86.180 (West 2012)NoInitial DisclosureAddendum to Loan ApplicationCx13441Not specifiedBothNot specifiedNot specifiedNot specified, but practically with the applicationOr. Rev. Stat. Ann. § 106.340 (West 2012)Oregon Family Fairness ActNoInitial DisclosureOR Conflict of Interest DisclosureCx13604 (upon request)A person, mortgage banker or mortgage broker, or mortgage loan originatorBothA mortgage loanNot specifiedBefore negotiating loan terms.Or. Admin. R. 441-870-0030(4) (2012)NoInitial DisclosureOR Spanish Good Faith Estimate, Spanish General Disclosure, & Spanish Truth-in-Lending DisclosureCx15656, Cx15657, & Cx15658 (all Spanish)A mortgage banker, mortgage broker, or mortgage loan originatorBothA residential mortgage transactionProperty upon which is a 1-to-4 residential dwelling unitsWhen soliciting or negotiating business with a borrower in SpanishOr. Rev. Stat. Ann. § 86A.198 (West 2012)Oregon Mortgage Lender LawModel FormsInitial Disclosure, Processing, Underwriting, & ClosingNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn Cx4193 (FNMA/FHLMC)A licensed mortgage loan originator under Chapter 86A, Title 9 of Oregon’s Revised StatutesBothA residential mortgage loanProperty upon which is a 1-to-4 residential dwelling unitsOn the applicationOr. Rev. Stat. Ann. § 86A.239 (West 2012)FNMA 1003 Form - Uniform Residential Loan ApplicationInitial Disclosure, TILA Redisclosure, & ClosingItemization of Amount Financed 01-01-10Cx14644 (Federal)A licensee under the Oregon Consumer Finance Act(Or. Rev. Stat. Ann. §§ 725.010 through 725.990)BothA loan, which is subject to the Oregon Consumer Finance Act (a consumer finance loan)Real propertyAt the time each loan is madeOr. Admin. R. 441-730-0240 (2012)Oregon Consumer Finance Act12 CFR Pt. 1026, App. H; Form H-3ClosingPrepayment Note AddendumCx31Any person making a loan, including a lenderBothLoans, including mortgage loans and loans of more than 3 years secured by a mortgageReal propertyWith the loan agreementOr. Rev. Stat. Ann. §§ 82.160, 82.170, & 86.150 (West 2012); Or. Admin. R. 441-870-0040 (2012)Partial Statutory Partial AdministrativeClosingAll Oregon Deeds of TrustCx346 (FNMA/FHLMC), 399 (FHA), 504, & 1370 Not specifiedBothNot specifiedReal estateAn instrument is presented to a county clerk for recordingOr. Rev. Stat. Ann. § 205.234 (West 2012)NoFNMA Form 3038ClosingOR Collateral Protection Insurance DisclosureCx1007The secured partyBothA loanReal propertyWith the contract or loan agreementOr. Rev. Stat. Ann. § 746.201 (West 2012)StatutoryClosingHUD-1 01-01-10Cx14222 (Federal)A licensee under the Oregon Consumer Finance ActBothA loan, presumably a consumer finance loanReal propertyAt the time any loan is madeOr. Rev. Stat. Ann. § 725.360(1) (West 2012)Oregon Consumer Finance Act12 CFR Pt. 1024, App. AClosingOR Statute of Frauds DisclosureCx14718A financial institution, a consumer finance company, a mortgage bankerBothA loan or extension of credit for a non-consumer purposeNot specified, but generally does not apply to residential real property consisting of 1-to-4 dwelling units, one of which is the borrower’s residenceNot later that the time the loan is initially made.Or. Rev. Stat. Ann. § 41.580(3) (West 2012)StatutoryClick here for Table of ContentsClick here for Table of ContentsPennsylvania(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLender/Broker/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureAnti-Coercion Insurance DisclosureCx2778Any person, especially a licensed insurance producer under the Insurance Department who is an employee of a financial institutionBothA loanReal or personal propertyBefore or at application18 Pa. Cons. Stat. Ann. § 7309 (West 2012); 40 Pa. Stat. Ann. § 310.76(a) & (b) (West 2012)The Insurance Department Act of 1921NoInitial DisclosurePA High Cost Loan DisclosureCx3590A lender or a mortgage brokerBothA covered loan, which is a non-purchase consumer credit mortgage loan of less than $100,000A consumer’s principal dwellingAt least 3 business days prior to consummation.63 Pa. Stat. Ann. § 456.512(a) (West 2012)StatutoryInitial DisclosurePA Application DisclosureCx3738A licensee under the Mortgage Licensing Act BothA mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estateAt the time of application7 Pa. Cons. Stat. Ann. § 6121(10)Mortgage Licensing ActNoInitial DisclosurePA Consumer Mortgage Disclosure FormCx14079A licensee under the Mortgage Licensing Act (7 Pa. Cons. Stat. Ann. §§ 6101 through 6153) or the Consumer Discount Company Act (7 Pa. Stat. Ann. §§ 6201 through 6219)BothA loan (a mortgage loan or a loan involving a mortgage)A dwelling (as defined in Section 103[v] of TILA) or residential real estateWithin 3 business days after application is received or prepared.10 Pa. Code § 46.2(b) & (c) (2013)Mortgage Licensing Act and Consumer Discount Company ActConsumer Mortgage Disclosure Form - click on the Forms & Applications tab on the bottom of the screenInitial DisclosurePA Lock-In AgreementCx15748 (upon request)A licensee under the Mortgage Licensing ActLendersA mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estateNot specified7 Pa. Cons. Stat. Ann. §§ 6102, 6121(11) & 6123(7) (West 2013)Mortgage Licensing ActNoInitial DisclosureCost of Insurance DisclosureCx16488 (upon request)A mortgage lenderLendersA mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estateWhen the consumer elects to obtain certain insurances7 Pa. Cons. Stat. Ann. § 6122(a)(3) (West 2013)Mortgage Licensing ActNoInitial Disclosure & ClosingAll RESPA and TILA DisclosuresCx18, Cx1591, Cx14221, Cx14222, and many others (all Federal)An institution (i.e. a bank or a bank and trust company)BothA loan or extension of creditNot specifiedAt various times7 Pa. Stat. Ann. § 303(c) (West 2012)Banking Code of 196512 CFR Pt. 1024 App. & 12 CFR Pt. 1026, App. G & HInitial Disclosure & ClosingPA Optional Insurance NoticeCx1027A lenderBothA covered loan, which is a non-purchase consumer credit mortgage loan of less than $100,000A consumer’s principal dwellingNot later than the time of closing.63 Pa. Stat. Ann. § 456.512(f)(2) (West 2012)StatutoryInitial Disclosure & TILA RedisclosureProperty Insurance Consent on Truth-in-Lending DisclosureOn Cx1591 (Federal)Mortgage lendersBothA mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estateNot specified7 Pa. Cons. Stat. Ann. § 6122(a)(4) (West 2012)Mortgage Licensing Act12 CFR Pt. 1026, App. HInitial Disclosure, Processing, Underwriting, & ClosingNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn Cx4193 (FNMA/FHLMC)A mortgage originatorBothA mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estateOn the application7 Pa. Cons. Stat. Ann. § 6121(14) (2012)Mortgage Licensing ActFNMA 1003 Form - Uniform Residential Loan ApplicationClosingHELOC Agreement – PACx1349An institution (i.e. a bank or a bank and trust company)BothA loan or extension of creditNot specifiedNot specified, but practically before making the loan or extending credit7 Pa. Stat. Ann. § 303(d) (West 2012)Banking Code of 1965NoClosingUDAP DisclosureURA seller BothGoods or services, which involve a note or other evidence of indebtednessNot specifiedAt the time of the sale or contract73 Pa. Stat. Ann. § 201-7(b) (West 2013)Unfair Trade Practices and Consumer Protection LawStatutoryClick here for Table of ContentsClick here for Table of ContentsRhode Island(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLender/Broker/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureRI Notice of Nonrefundability of Loan FeesCx3575A loan originator, broker, or lenderBothA secured mortgage loanReal estate with dwelling houses of not more than 4Not later than 3 business days after the applicationR.I. Gen. Laws § 34-23-6 (West 2012)StatutoryInitial DisclosureAnti-Coercion InsuranceCx3750Any person who lends money or extends credit, including lending institutions and bank holding companiesBothEither: (a) a mortgage; or (b) a loan or extension of creditReal or personal propertyNot specifiedR.I. Gen. Laws § 27-5-3.2 & 27-29-4(9)(iv) & (10) (West 2012)NoInitial DisclosureRI Right to Choose Title Agent/AttorneyCx3847A lending institutionBothA mortgage loan, residential mortgage loan, or commercial mortgage loanReal estateNot specifiedR.I. Gen. Laws §§ 19-9-5 & 19-9-6 (West 2012)NoInitial DisclosureRI Addendum to Uniform Residential Loan ApplicationCx5103A financial institutionBothA loan secured by an interest in real estateReal estateAt applicationR.I. Gen. Laws § 19-9-32 (West 2012)NoInitial DisclosureRI Prohibited Acts of Lenders and Loan BrokersCx11241Lenders and loan brokersBothA home loanReal estate with a 1-to-4 family dwelling used as the borrower’s principal residenceNo later than 3 business days of application.R.I. Gen. Laws §§ 34-25.2-1 through 34-25.2-15 (West 2012); R.I. Code R. 11-2-3 App. 5, Form 1 (2012)Rhode Island Home Loan Protection Act HYPERLINK "" AdministrativeForm 1 – Prohibited Acts and Practices Disclosure Regarding All Home LoansInitial DisclosureRI Tangible Net BenefitCx11242A creditorBothA home loan which refinances a previous (home) loan which was consummated within the prior 60 monthsReal estate with a 1-to-4 family dwelling used as the borrower’s principal residencePrior to or upon consummation of the loanR.I. Gen. Laws §§ 34-25.2-1 through 34-25.2-15 (West 2012); R.I. Code R. 11-2-3:5(A)(v) & App. 5, Form 3 (2012)Rhode Island Home Loan Protection Act HYPERLINK "" AdministrativeForm 3 – Tangible Net Benefit DisclosureInitial DisclosureRI High Cost Related Prohibited Acts of Lenders and Loan BrokersCx11408A creditorBothA home loanReal estate with a 1-to-4 family dwelling used as the borrower’s principal residenceNo later than 3 business days of application.R.I. Gen. Laws §§ 34-25.2-1 through 34-25.2-15 (West 2012); R.I. Code R. 11-2-3:5(A)(iv) & App. 5, Form 2 (2012)Rhode Island Home Loan Protection Act HYPERLINK "" AdministrativeForm 2 – Prohibited Acts and Practices Disclosure Regarding High-Cost Home LoansInitial DisclosureRI Home Loan Protection Act DisclosureCx12089A creditorBothA high-cost home loanReal estate with a 1-to-4 family dwelling used as the borrower’s principal residenceUpon determination that a high-cost home loan is being obtained.R.I. Gen. Laws Ann. §§ 34-25.2-1 through 34-25.2-15 (West 2012); R.I. Code R. 11-2-3:5(D)(iii) & App. 5, Form 5 (2012)Rhode Island Home Loan Protection Act HYPERLINK "" AdministrativeForm 5 – Consumer Caution and Home Ownership Counseling Notice and CertificationInitial DisclosureRI Form 4 HLPACx12090A creditorBothA high-cost home loanReal estate with a 1-to-4 family dwelling used as the borrower’s principal residenceUpon determination that a high-cost home loan is being obtainedR.I. Gen. Laws Ann. §§ 34-25.2-1 through 34-25.2-15 (West 2012); R.I. Code R. 11-2-3:5(D)(iii) & App. 5, Form 4 (2012)Rhode Island Home Loan Protection Act HYPERLINK "" AdministrativeForm 4 – Rhode Island High-Cost Home Loan Protection Act DisclosureInitial DisclosureEnhanced Prepayment Penalty Disclosure, Rider, and AddendumCx12389, Cx12387, & Cx12388A bank, trust company, loan company, building-loan association, credit union, finance company and other person(s)BothA loan secured by a mortgageReal estate containing dwelling houses of not more than 4 dwelling unitsIn the mortgage noteR.I. Gen. Laws § 34-23-5 (West 2012)NoInitial DisclosureAddendum to Loan ApplicationCx13441Not specifiedBothNot specifiedNot specifiedNot specified, but practically with the applicationR.I. Gen. Laws Ann. § 15-3.1-6 (West 2012); R.I. Gov. Exec. Order 12-02NoAdverse ActionStatement of Credit Denial, Termination, or ChangeCx15858 (Federal)A user of a credit reportBothCredit for personal, family, or household purposesNot specifiedNot specifiedR.I. Gen. Laws Ann. § 6-13.1-21(b)Unfair Trade Practice and Consumer Protection Act12 CFR Pt. 1002, App. C; Form C-1Initial Disclosure, Processing, Underwriting, & ClosingNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn Cx4193 (FNMA/FHLMC)A 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) a dwellingOn the applicationR.I. Gen. Laws § 19-14.10-21 (West 2012)Secure and Fair Enforcement Mortgage Licensing Act of 2009FNMA 1003 Form - Uniform Residential Loan ApplicationInitial Disclosure & Adverse ActionRI Appraisal Fee Disclosure and Addendum to Statement of Credit Denial, Termination, or ChangeCx5102 & Cx15905 A lending institutionBothA mortgage loanReal estatePrior to receiving an appraisal fee.R.I. Gen. Laws § 19-9-3 (West 2012)NoClosingHomestead Waiver on all RI Mortgages and RI Waiver of HomesteadOn Cx348 (FNMA/FHLMC), Cx401 (FHA), Cx506, Cx2465, and Cx15329 (upon request)Not specifiedBothNot specified, but practically a purchase loanA homestead to the extent of $500,000Not specifiedR.I. Gen. Laws Ann. § 9-26-4.1 (West 2012); R.I. Code R. 11-2-3:5(F) (2012)FNMA Form 3040ClosingRI Notification to Buyers of Withholding Tax RequirementCx1028Not specified, but practically a lending institutionBothA purchase loanReal propertyNot specifiedR.I. Gen. Laws Ann. § 44-30-71.3(d) (West 2012); R.I. Code R. 60-1-140:1 (2012)NoClick here for Table of ContentsClick here for Table of ContentsSouth Carolina(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLender/Broker/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureAnti-Coercion Insurance DisclosureCx2778A lender, vender, or personBothA financing of the purchase of real property, a lending of money on the security of the real property, or a renewal and extension of a loan or mortgageReal propertyNot specifiedS.C. Code Ann. § 38-57-110 (2012)The Insurance LawNoInitial DisclosureSC Tangible Benefit WorksheetCx2889 (upon request)Not specifiedBothA consumer home loan that refinances within 42 months an existing consumer home loanReal estate with a 1-to-4 family structure that is the borrower’s principal dwellingNot specifiedS.C. Code §§ 37-23-20(8) & 37-23-70(A) (2012)South Carolina High-Cost and Consumer Home Loan ActNoInitial DisclosureSC Mortgage Broker Fee Agreement for Financial ServicesCx3525A broker, mortgage broker, or loan originatorBrokersEither: (1) a high-cost home loan; (2) a consumer home loan; or (2) a mortgage loanEither: (1) an owner-occupied, residential real estate containing a 1-to-4 family, owner-occupied structure; or (2) residential real property, consisting of one or more single-family, owner occupied dwellingsWithin 3 business days of receipt of an applicationS.C. Code Ann. § 37-23-45, 37-23-75, 40-58-75, & 40-58-78(A) (2012); S.C. Code Ann. Reg. 28-400(C)(2) (2012)South Carolina High-Cost and Consumer Home Loans Act and Licensing of Mortgage Brokers ActFee AgreementInitial DisclosureSC Attorney and Insurance Preference DisclosureCx3848A creditorBothA loan secured by a lien on real estate for a personal, family, or household purpose, excluding a consumer loanReal estateNo later than 3 business days after applicationS.C. Code Ann. § 37-10-102(a) (2012)South Carolina Consumer Protection CodeAttorney/Insurance PreferenceInitial DisclosureSC Borrower ComplaintsCx4694A mortgage broker or originatorBothA mortgage loan, including a consumer home loanReal estate with a 1-to-4 family structure that is the borrower’s principal dwellingAt the time of applicationS.C. Code Ann. § 37-23-70(D) (2012)South Carolina High-Cost and Consumer Home Loans ActFee Agreement SampleInitial Disclosure, Processing, Underwriting, & ClosingNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan Application; All S.C. documentsOn Cx4193 (FNMA/FHLMC) and all other S.C. documentsA licensee under Chapter 22, Title 37 of South Carolina’s CodeBothA mortgage loanResidential real property, consisting of one or more single-family, owner occupied dwellings VariousS.C. Code Ann. §§ 37-22-210(F) & 37-22-270(F) (2012); S.C. Code Ann. Reg. 15-64 (2012)South Carolina Consumer Protection CodeFNMA 1003 Form - Uniform Residential Loan ApplicationClosingAssignment, Sale, or Transfer of ServicingCx21 (Federal)A lenderBothA consumer loan, which generally is a junior lien loanAn interest in landNot specifiedS.C. Code Ann. § 37-3-406 (2012)South Carolina Consumer Protection Code - Loans12 CFR Pt. 1024, App. MS-2ClosingSC Notice to CosignersCx1017Not specifiedBothA consumer loan, which generally is a junior lien loan An interest in landBefore or contemporaneously with signing any agreement of obligation.S.C. Code § 37-3-303 (2012)South Carolina Consumer Protection Code - LoansStatutoryClick here for Table of ContentsClick here for Table of ContentsSouth Dakota(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLender/Broker/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureAnti-Coercion Insurance DisclosureCx2778Any personBothA loan of money upon the security of any property or the renewal or extension of any loan or mortgageReal propertyNot specifiedS.D. Codified Laws § 58-33-31 (2012)The Insurance CodeNoClick here for Table of ContentsClick here for Table of ContentsTennessee(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLender/Broker/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureAdvanced Fee/Application DisclosureCx2783A licensee under the Tennessee Residential Lending, Brokerage and Servicing ActBothA residential mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is constructed or intended to be constructed a dwellingWhen a deposit is required in connection with an applicationTenn. Code Ann. § 45-13-206(c) (West 2012)NoInitial DisclosureAnti-Coercion Insurance DisclosureCx2788A person or a depository institutionLendersA loan of money or extension of creditReal estatePrior to a sale of insuranceTenn. Code Ann. § 56-8-106(a) through (d) (West 2012)Tennessee Unfair Trade Practices and Unfair Claims Settlement Act of 2009NoInitial DisclosureTN Title Insurance DisclosureCx4167A person conducting or handling the settlementBothThe purchase or sale of a fee simple possessory interestReal propertyAt or before the closing of settlementTenn. Code Ann. § 56-35-133 (West 2012)Title Insurance LawStatutoryInitial DisclosureTN High Cost Notice to BorrowerCx13071A lenderBothA high-cost home loan A 1-to-4 family structure that is or will be occupied by the borrower as his principal dwellingAt least 3 business days prior to consummationTenn. Code Ann. § 45-20-103(16) (West 2012)Tennessee Home Loan Protection ActStatutoryInitial DisclosureTN High Cost Home Loan Counseling NoticeCx13072A lenderBothA high-cost home loan A 1-to-4 family structure that is or will be occupied by the borrower as his principal dwellingNot later than the time that the GFE is required to be given.Tenn. Code Ann. § 45-20-103(21) (West 2012)Tennessee Home Loan Protection ActNoInitial DisclosureTN Lock-In AgreementCx14675A mortgage lenderBothA residential mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is constructed or intended to be constructed a dwellingNot specified, but practically before a lock-in fee is chargedTenn. Comp. R. & Regs. 0180-17-.04 (2012)Tennessee Residential Lending, Brokerage, and Servicing ActNoInitial DisclosureHigh Cost Tangible Net Benefit WorksheetCx15773 (upon request)A lenderBothA high-cost home loan that refinances, within 30 months, an existing home loan or high-cost home loanA 1-to-4 family structure that is or will be occupied by the borrower as his principal dwellingNot specifiedTenn. Code Ann. § 45-20-103(4) (West 2012)Tennessee Home Loan Protection ActNoInitial DisclosureTN Commitment LetterCx15810A lender or creditorBothA loan of money or extension of creditNot specifiedNot specifiedTenn. Code Ann. § 29-2-101(b) (West 2012)NoInitial Disclosure, Processing, Underwriting, & ClosingNMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan ApplicationOn Cx4193 (FNMA/FHLMC)A sponsoring mortgage lender or mortgage loan brokerBothA residential mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is constructed or intended to be constructed a dwellingOn the applicationTenn. Code Ann. § 45-13-303(d) (West 2012)Tennessee Residential Lending, Brokerage and Servicing ActFNMA 1003 Form - Uniform Residential Loan ApplicationClosingHigh-Cost Home Loan Legend on 3200 Note Fixed and TN Deed of TrustCx5 & Cx351 (both FNMA/FHLMC)Not specified, but practically a lenderBothA high-cost home loan A 1-to-4 family structure that is or will be occupied by the borrower as his principal dwellingAt closingTenn. Code Ann. § 45-20-103(19) (West 2012)Tennessee Home Loan Protection ActStatutoryFNMA Form 3200FNMA Form 3043ClosingAssignment, Sale, or Transfer of ServicingCx21 (Federal)A transferor of servicing rightsBothA residential mortgage loanA dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is constructed or intended to be constructed a dwellingAt least 10 calendar days before the first payment affected by the notice is dueTenn. Comp. R. & Regs. 0180-17-.03 (2012)Tennessee Residential Lending, Brokerage, and Servicing Act12 CFR Pt. 1024, App. MS-2Click here for Table of ContentsClick here for Table of ContentsTexas(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLender/Broker/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureAnti-Coercion Insurance DisclosureCx2778A depository institutionLendersA loan or extension of creditPropertyNot specifiedTex. Ins. Code Ann. § 556.051 (West 2012)NoInitial DisclosureAdvanced Fee/Application DisclosureCx2783A residential mortgage loan originatorBothA residential mortgage loanA dwelling (as defined by Section 103[v] of TILA) or residential real estate on which a dwelling is constructed or intended to be constructedNot specifiedTex. Fin. Code § 156.304(a) (West 2012)Residential Mortgage Loan Company and Residential Mortgage Loan Originator Licensing and Registration ActNoInitial DisclosureTX Mortgage Banker DisclosureCx2999A mortgage banker that is a residential loan originatorLendersA residential mortgage loanA dwelling (as defined by Section 103[v] of TILA) or residential real estate on which a dwelling is constructed or intended to be constructedAt applicationTex. Fin. Code Ann. § 157.007(a) (West 2012); 7 Tex. Admin. Code § 81.200(a) (2012)Mortgage Banker Registration and Residential Mortgage Loan Originator License ActStatutory/Administrative/Mortgage Banker - Required Disclosure FormInitial DisclosureDisclosure of Multiple Roles in a Consumer Real Estate TransactionCx3581A licensed or registered residential mortgage loan company or a licensed residential mortgage loan originator under the Residential Mortgage Loan Company and Residential Mortgage Loan Originator Licensing and Registration Act, who also acts as either a real estate broker, salesperson, or attorneyBothA residential mortgage loanA dwelling (as defined by Section 103[v] of TILA) or residential real estate on which a dwelling is constructed or intended to be constructedBefore acting in a dual capacityTex. Fin. Code § 156.303(a)(13) (West 2012)Mortgage Loan Company and Residential Mortgage Loan Originator Licensing and Registration ActDisclosure of Multiple RolesInitial DisclosureTX Important Notice to Home Loan BorrowersCx3591A lenderBothA home loan with an interest rate of 12% or more a yearA manufactured home or real property improved by a 1-to-4 family dwelling which is used as the borrower’s principal residenceAt the time the GFE is given or, if RESPA does not apply to the loan, 3 business days after application.Tex. Fin. Code Ann. § 343.102 (West 2012)Model FormInitial DisclosureTX Notice Concerning Extensions of Credit - SpanishCx3640 (Spanish)A lenderBothA 50(a)(6) equity loanA homestead12 days before the loan is closedTex. Const. Art. 16, § 50(g); 7 Tex. Admin. Code § 153.51 (2012)Aviso Sobre El Credito Que Se ConcedeInitial DisclosureTX Insurance Notice to ApplicantCx3715A lender offering credit life, disability, or unemployment insurance on a prepaid single premium basisBothA home loanA manufactured home or real property improved by a 1-to-4 family dwelling which is used as the borrower’s principal residenceNot later than 3 business days after receipt of application.Tex. Fin. Code Ann. § 343.104 (West 2012)Texas Credit TitleStatutoryInitial DisclosureTX Residential Mortgage Loan Originator DisclosureCx3883A residential mortgage loan originator or a residential mortgage loan companyBothA residential mortgage loanA dwelling (as defined by Section 103[v] of TILA) or residential real estate on which a dwelling is constructed or intended to be constructedWith an initial applicationTex. Fin. Code Ann. § 156.004 (West 2012); 7 Tex. Admin. Code §§ 80.200(a) & 80.204(b)(1)(C) (2012)Mortgage Loan Company and Residential Mortgage Loan Originator Licensing and Registration ActMortgage Company - Required Disclosure FormInitial DisclosureTX Disclosure Statement Required for Residential ConstructionCx4262A lenderBothThird-party financing pursuant to a residential construction contractA 1-to-4 unit residence that is used or intended to be used as a dwelling by one of the ownersBefore the date of closingTex. Prop. Code Ann. §§ 53.255(b) & 53.257(b) (West 2012)StatutoryInitial DisclosureTX Notice Concerning Extensions of CreditCx4549A lenderBothA 50(a)(6) equity loanA homestead12 days before the loan is closedTex. Const. Art. 16, § 50(g); 7 Tex. Admin. Code § 153.51 (2012)Constitutionally Initial DisclosureTX Complaint NoticeCx10735(upon request)A licensee under Chapter 342, Title 4 of Texas’ Finance Code, a bank, or a savings association LendersNot specifiedA loan under Chapter 342, Title 4 of Texas’ Finance Code (a consumer loan)Not specifiedA 1-to-4 family dwellingWith each contract of a licenseeTex. Fin. Code Ann. § 14.104 (West 2012); 7 Tex. Admin. Code § 90.105(b)(5) (2012)AdministrativeInitial DisclosurePrivacy Policy NoticeCx15182 (Federal)Either: (1) an entity regulated by the Texas Department of Banking or the Department of Savings and Mortgage Lending; or (2) a licensee under Chapter 342, Title 4 of Texas’ Finance CodeBothNot specified.A loan under Chapter 342, Title 4 of Texas’ Finance Code (a consumer loan) Not specified.A 1-to-4 family dwellingWith any privacy notice required to be provided by Federal or Texas lawTex. Fin. Code Ann. § 11.307 (West 2012); 7 Tex. Admin. Code §§ 11.37 & 90.105(b)(1) – (4) (2012)12 CFR Pt. 1016, App. AInitial DisclosureTX Mortgage Banker Conditional Approval Letter (Form B)Cx16682(upon request)A residential mortgage loan originator or a mortgage bankerBothA residential mortgage loanA dwelling (as defined by Section 103[v] of TILA) or residential real estate on which a dwelling is constructed or intended to be constructedNot specified, but practically when an application is approved on the basis of credit worthiness but not on collateralTex. Fin. Code Ann. § 156.105 (West 2012); 7 Tex. Admin. Code § 81.201(b) (2012)Mortgage Loan Company and Residential Mortgage Loan Originator Licensing and Registration ActMortgage Banker - Conditional Approval Letter [Form B]Initial DisclosureTX Mortgage Company Conditional Approval Letter (Form B)Cx16683 (upon request)A residential mortgage loan originator or a residential mortgage loan companyBothA residential mortgage loanA dwelling (as defined by Section 103[v] of TILA) or residential real estate on which a dwelling is constructed or intended to be constructedNot specified, but practically when an application is approved on the basis of credit worthiness but not on collateralTex. Fin. Code Ann. § 156.105 (West 2012); 7 Tex. Admin. Code § 80.201(b) (2012)Mortgage Loan Company and Residential Mortgage Loan Originator Licensing and Registration Act Mortgage Company - Conditional Approval Letter [Form B] Initial DisclosureTX Mortgage Banker Conditional Qualification Letter (Form A)Cx16684 (upon request)A residential mortgage loan originator or a mortgage bankerBothA residential mortgage loanA dwelling (as defined by Section 103[v] of TILA) or residential real estate on which a dwelling is constructed or intended to be constructedNot specified, but practically when a conditional qualification is establishedTex. Fin. Code Ann. § 156.105 (West 2012); 7 Tex. Admin. Code § 81.201(a) (2012)Mortgage Loan Company and Residential Mortgage Loan Originator Licensing and Registration Act Mortgage Banker - Conditional Qualification Letter [Form A] Initial DisclosureTX Mortgage Company Conditional Qualification Letter (Form A)Cx16685(upon request)A residential mortgage loan originator or a residential mortgage loan companyBothA residential mortgage loanA dwelling (as defined by Section 103[v] of TILA) or residential real estate on which a dwelling is constructed or intended to be constructedNot specified, but practically when a conditional qualification is establishedTex. Fin. Code Ann. § 156.105 (West 2012); 7 Tex. Admin. Code § 80.201(a) (2012)Mortgage Loan Company and Residential Mortgage Loan Originator Licensing and Registration Act Mortgage Company - Conditional Qualification Letter [Form A] ClosingTruth-in-Lending Disclosure and Truth-in-Lending Total Payments ItemizationCx18 & Cx15444 (both Federal)A lenderBothA loan under Chapter 342, Title 4 of Texas’ Finance Code (a consumer loan) A 1-to-4 family dwellingBefore taking a loan obligationTex. Fin. Code § 342.505 (West 2012)12 CFR Pt. 1026, App. HClosingNotice of Confidentiality Rights on TX Deed of TrustOn Cx352 (FNMA/FHLMC), Cx405 (FHA), Cx510, & Cx6178 (FNMA/FHLMC)Not specifiedBothNot specifiedReal propertyNot specified, but practically at closingTex. Prop. Code Ann. § 11.008(c) (West 2012)StatutoryFNMA Form 3044FNMA Form 3044.1ClosingTX Collateral Protection Act NoticeCx1015A creditor or a person who is a lender of moneyBothA credit transaction for which a credit agreement existsReal propertyAt the time the credit agreement is executedTex. Fin. Code § 307.052(a) (West 2012)Texas Credit TitleNoClosingTX Home Equity Affidavit of Fair Market Value of Homestead PropertyCx3653A lenderBothA 50(a)(6) equity loanA homesteadOn the date the extension of credit is madeTex. Const. Art. 16, § 50(a)(6)(Q)(ix) NoClosingTX Notice of No Oral AgreementsCx3682A financial institutionBothA loan agreement in which the amount of the loan exceeds $50,000Not specifiedIn or with the loan agreementTex. Bus. & Com. Ann. § 26.02(e) – (f) (West 2012)StatutoryCertain Loan Agreements Must Be in WritingClosingTX Affidavit of Reasonable Costs on Homestead Property RefinanceCx3684Not specifiedBothA loan which refinances any loans described in Tex. Const. art. 16, § 50(a)(1) through (a)(5), which includes an advance of additional fundsA homesteadNot specifiedTex. Const. art. 16, § 50(e)(2); 7 Tex. Admin. Code § 153.41 (2012)NoClosingTX Home Equity Owner’s Affidavit Acknowledging Lender’s Compliance and HUD-1 01-01-10Cx5010 and Cx14222 (Federal)A lenderBothA 50(a)(6) equity loanA homesteadOne business day before closingTex. Const. art. 16, § 50(a)(6)(M)(ii); 7 Tex. Admin. Code § 153.13 (2012)12 CFR Pt. 1024, App. AClosingTX Home Equity Discount Point AcknowledgmentCx5029A lenderBothA 50(a)(6) equity loanA homesteadNot specifiedTex. Const. art. 16, § 50(a)(6)(E); 7 Tex. Admin. Code § 153.5 (2012)NoClosingTexas Veterans Land Board Take-Out Loan AffidavitCx7768Not specifiedBothA take-out loanA single dwelling homeAt closingTexas Veterans’ Land BoardTake-Out Loans Affidavit Post-Interim FinancingClosingTX Home Equity Election Not to RescindCx9522A lenderBothA 50(a)(6) equity loanA homesteadAt closingTex. Const. Art. 16, § 50(a)(6)(Q)(viii);7 Tex. Admin. Code § 153.25 (2012)NoClosingTX Notice of Penalties for Making False or Misleading StatementsCx12309Either: (1) a lender, mortgage banker, or licensed mortgage broker; (2) a licensee under the Residential Mortgage Loan Company and Residential Mortgage Loan Originator Licensing and Registration Act (Tex. Fin. Code §§ 156.001 through 156.508); or (3) a licensee under the Mortgage Banker Registration and Residential Mortgage Loan Originator Act (Tex. Fin. Code §§ 157.001 through 157.031)BothEither: (1) a home loan; or (2) a residential mortgage loanEither: (1) a manufactured home or real property improved by a 1-to-4 family dwelling which is used as the borrower’s principal residence; or (2) a dwelling (defined by Section 103[v] of TILA) or residential real estate which has or shall have a dwellingAt closingTex. Fin. Code § 343.105 (West 2012); 7 Tex. Admin. Code §§ 80.204(b)(1)(E) & 81.204(b)(1)(E) (2012)Notice of Penalties for Making or Misleading Statements and HB716 Disclosure to Be Delivered at ClosingClosingSpanish Truth-in-Lending DisclosureCx14389 (Spanish)A licensee under Chapter 342, Title 4 of Texas’ Finance CodeBothA loan under Chapter 342, Title 4 of Texas’ Finance Code (a consumer loan) or a home equity loan regulated by the Texas Office of Consumer Credit CommissionerA 1-to-4 family dwellingNo later than consummation of the loan contractTex. Fin. Code Ann. § 341.502 (West 2012); 7 Tex. Admin. Code § 90.701 (2012)Texas Credit TitleAdministrativeClosingTX Disclosure of Servicing Complaints16006(upon request)Either: (1) a mortgage banker registered under the Mortgage Banker Registration and Residential Mortgage Loan Originator License Act; or (2) a registrant under the Residential Mortgage Loan Servicer Registration Act BothA residential mortgage loanA dwelling or residential real estate, which has either: (1) a dwelling, as defined under Section 103(v) of TILA; or (2) a 1-to-4 family dwelling Not later than the 30th day after the registrant commences servicing the loan.Tex. Fin. Code §§ 157.007(b) & 158.101 (West 2012)Mortgage Banker Registration and Residential Mortgage Loan Originator License ActandResidential Mortgage Loan Servicer Registration ActStatutoryRequired Disclosure StatementClick here for Table of ContentsClick here for Table of ContentsUtah(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLender/Broker/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureAnti-Coercion Insurance DisclosureCx2778A person, including one both authorized to engage in insurance activities and who extends creditBothAn extension of creditNot specifiedAt the time of written application or, if there is no written application, before closingUtah Code Ann. §§ 31A-23a-402(5) & 31A-23a-416 (West 2012)Partial StatutoryInitial DisclosureAdvanced Fee/Application DisclosureCx2783A lender or brokerBothA mortgage loan of more than two yearsNot specifiedAt the time a fee or deposit is acceptedUtah Code Ann. § 70D-2-305 (West 2012)Mortgage Lending and Servicing ActNoInitial DisclosureUT High Cost Home Loan DisclosuresCx3774A lender who is licensed under the Utah Residential Mortgage Practices and Licensing Act (Utah Code Ann. §§ 61-2c-101 through 61-2c-510)BothA high-cost mortgageA borrower’s principal dwellingNo less than 3 business days prior to consummationUtah Code Ann. § 61-2d-105 (West 2012)Utah High Cost Home Loan ActStatutoryInitial DisclosureUT Loan NoticeCx15693A lender or brokerBothA mortgage loan of more than two yearsNot specifiedAt the time of receipt or preparation of the written applicationUtah Code Ann. § 70D-2-302 (West 2012)Mortgage Lending and Servicing ActNoClosingRESPA Legend on UT Deeds of TrustOn Cx353 (FNMA/FHLMC), Cx406 (FHA), Cx511, & Cx1398A person submitting for recording a document subject to RESPABothA federally-related mortgage loan subject to RESPAResidential property consisting of 1-to-4 family unitsAt recordingUtah Code Ann. § 17-21-18.5(4)(b) (West 2012)StatutoryFNMA Form 3045ClosingUT Disclosure of ServicerCx1001A lender BothA mortgage loan of more than two yearsNot specifiedAt the time of closingUtah Code Ann. § 70D-2-303 (West 2012)Mortgage Lending and Servicing ActNoClick here for Table of ContentsClick here for Table of ContentsVermont(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLender/Broker/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureAnti-Coercion Insurance DisclosureCx2778A personBothA loan of money or extension of creditNot specifiedNot specifiedVt. Stat. Ann. tit. 8, § 4725 (West 2012)NoInitial DisclosureVT Broker/Prospective Borrower AgreementCx3594A mortgage brokerBrokersA mortgage loanReal property or real estateBefore taking any fee or at the time a signed application is submittedVt. Stat. Ann. tit. 8, § 2219 (West 2012); Vt. Admin Code 4-2-3:4 & 4-2-3:Appendix (2012)AdministrativeInitial DisclosureVT High Rate/High Point NoticesCx3708A lenderBothA high rate, high point loan, which is secured by a first lien on residential real estate and consists of fees and points over a certain threshold.Residential real estateGiven in conjunction with the GFE, or when the borrower is notified that the lender will only offer this type of loanVt. Stat. Ann. tit. 9, § 104 (West 2012); Vt. Admin. Code 4-2-6 (2012)Partial AdministrativeInitial DisclosureVT Mortgage Loan Commitment AgreementCx4671A lenderLendersEither: (1) a loan secured by a lien against real estate; or (2) a loan secured by a first lien on owner occupied residential real estateReal estate used as the borrower’s residence and owner occupied residential real estateNo less than 24 hours prior to closing (some exceptions apply)Vt. Stat. Ann. tit. 9, § 103 (West 2012); Vt. Admin. Code 4-2-5:3 & 4-2-5:4 (2012)NoInitial DisclosureVT Application Capacity NoticeCx4816A lenderLendersA mortgage loanReal estateIn advance of taking any fee or at the time an application is submittedVt. Stat. Ann. tit. 8, § 2220 (West 2012)NoInitial DisclosureVT Addendum to Uniform Residential Loan ApplicationCx5107Not specifiedBothNot specifiedNot specifiedNot specified, but practically at applicationVt. Stat. Ann. tit. 15, § 1204; Dept. of Banking, Insurance, Securities, and Health Care Administration Bulletin No. 23BUL-B-23Initial Disclosure & ClosingCertification and AuthorizationCx13 (Federal)A person obtaining a credit reportBothCreditNot specifiedBefore obtaining a credit reportVt. Stat. Ann. tit. 9, § 2480e (West 2012); Vt. Admin. Code 3-2-110:CF 112.03NoInitial Disclosure, TILA ReDisclosure, & ClosingItemization of Amount Financed 01-01-10Cx14644 (Federal)A licensed lender under Chapter 73, Part 2, Title 8 of Vermont’s StatutesBothA loanNot specifiedIn advance of any loan closingVt. Stat. Ann. tit. 8, § 2232a(b) (West 2012)12 CFR Pt. 1026, App. HClosingCo-signer Notice on 3200 Note Fixed, FHA Note Fixed, and VA 3200 Note FixedOn Cx5 (FNMA/FHLMC), Cx36 (FHA), and Cx58A lenderBothAn obligationNot specifiedWith the instrument evidencing the obligationVt. Stat. Ann. tit. 9, § 102 (West 2012)StatutoryFNMA Form 3200ClosingHUD-1 01-01-10Cx14222 (Federal)A licensed lender under Chapter 73, Part 2, Title 8 of Vermont’s StatutesBothA loanNot specifiedAt the time the loan is madeVt. Stat. Ann. tit. 8, § 2232a(a) (West 2012)12 CFR Pt. 1024, App. AClick here for Table of ContentsClick here for Table of ContentsVirginia(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLender/Broker/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureVA Insurance DisclosureCx3577A creditor or a depository institutionLendersNot specified.A loan or extension of creditPersonal household property.Not specified.Before offering, selling, or requiring insurance when an application is pending.Va. Code Ann. §§ 38.2-233(B) & 38.2-513.1(A)(9) (West 2012)NoInitial DisclosureVA NoticeCx3592A broker licensed under Chapter 16, Subtitle III, Title 6.2 of Virginia’s Code who has also acted as a real estate broker, agent, or salesman in connection with the transactionBrokersA mortgage loan used to purchase real estate1-to-4 family residential property and real estateAt the time broker services are first offeredVa. Code Ann. § 6.2-1616(B)(5) (West 2012)StatutoryInitial DisclosureLoan Broker AgreementCx3841A broker licensed under Chapter 16, Subtitle III, Title 6.2 of Virginia’s CodeBrokersA mortgage loan1-to-4 family residential propertyNot specifiedVa. Code Ann. § 6.2-1616(B)(4) (West 2012)NoInitial DisclosureVA Choice of Settlement Agent NoticeCx5101Not specifiedBothA purchase loanReal estate consisting of 1-to-4 residential dwelling unitsIn all contracts involving the purchase of real estate.Va. Code Ann. § 55-525.23 (West 2012)StatutoryInitial DisclosureVA Notification to Mortgage Loan ApplicantsCx5111A lender or a brokerBothA loan secured by a primary mortgage or deed of trustOwner-occupied residential real estate consisting of 1-to-4 family dwelling unitsAt the time an application is submitted by the loan applicantVa. Code Ann. § 6.2-406 (West 2012)NoInitial DisclosureAffiliated Business DisclosureCx11413 (Federal)Lenders making a referral to an affiliated settlement service providerBothDebt to a lender, secured by a first mortgage or deed of trust on real estateReal estate containing 1-to-4 residential dwelling unitsBefore entering into an arrangement with an affiliated businessVa. Code Ann. § 55-525.13 (West 2012)12 CFR Pt. 1024, App. DInitial DisclosureTangible Net Benefit WorksheetCx12531 (upon request)A mortgage lender licensed under Chapter 16, Subtitle III, Title 6.2 of Virginia’s CodeBothA refinance of a mortgage loan by another mortgage loan1-to-4 family residential propertyNot specifiedVa. Code Ann. § 6.2-1614(7) (West 2012)NoInitial DisclosureVA Lock-In AgreementCx14674A mortgage lender or mortgage broker on behalf of a mortgage lenderBothA mortgage loan1-to-4 family residential propertyNot specified10 Va. Admin. Code §§ 5-160-10 & 5-160-30(B) (2012)NoInitial DisclosureVA Mortgage Loan Commitment AgreementCx14686Not specified, but practically a mortgage lender or a mortgage broker on behalf of a mortgage lenderBothA mortgage loan1-to-4 family residential propertyNot specified10 Va. Admin. Code §§ 5-160-10 & 5-160-30(A) (2012)NoInitial Disclosure and ClosingAll TILA DisclosuresCx18, Cx1591, and all other TILA Disclosures (all Federal)Every person subject to the Federal Truth-in-Lending Act or a mortgage lender licensed under Chapter 16, Subtitle III, Title 6.2 of Virginia’s CodeBothConsumer credit or a mortgage loanNot specified.1-to-4 family residential propertyVarious timesVa. Code Ann. §§ 6.2-436 & 6.2-1615 (West 2012)12 CFR Pt. 1026, App. G & HClosingAmount of Consideration on VA Deed of TrustCx354 (FNMA/FHLMC), Cx407 (FHA), 512, & Cx1335Not specified, but practically the mortgageeBothA purchase loanLands, tenements, or other realtyAt recordingVa. Code Ann. § 58.1-802 (West 2012)FNMA Form 3047ClosingHUD-1 01-01-1014222 (Federal)A mortgage lender licensed under Chapter 16, Subtitle III, Title 6.2 of Virginia’s CodeBothA mortgage loan1-to-4 family residential propertyPrior to the closing of a mortgage loanVa. Code Ann. § 6.2-1615 (West 2012)12 CFR Pt. 1024, App. AClick here for Table of ContentsClick here for Table of ContentsWashington(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLender/Broker/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureWA Broker Application DisclosureCx2655A mortgage broker or a loan originator acting on behalf of a mortgage broker, or a licensee under the Washington Consumer Loan ActBrokersA residential mortgage loanResidential real estate upon which is (or is intended to be) constructed a dwelling of 1-to-4 unitsWithin 3 business days of a receipt of an application.Wash. Rev. Code Ann. § 19.146.030(2) & (4) (West 2012); Wash. Admin. Code § 208-620-510(4) (2012)Mortgage Broker Practices Act and Washington Consumer Loan ActModel Disclosure FormInitial DisclosureAnti-Coercion Insurance DisclosureCx2778A creditor or lenderLendersA debt or loanNot specifiedNot specifiedWash. Rev. Code Ann. § 48.30.260 (West 2012)NoInitial DisclosureWA Appraisal Notification on Purchase Money MortgagesCx2791A lenderBothA purchase money residential mortgage loanResidential real property upon which is (or is intended to be) a 1-to-4 family dwellingPrior to closingWash. Rev. Code Ann. § 19.149.020 (West 2012)NoInitial DisclosureWA Interest Rate Lock AgreementCx2792A mortgage broker or a loan originator acting on behalf of a mortgage broker, or a licensee under the Washington Consumer Loan ActBrokersA residential mortgage loanResidential real estate upon which is (or is intended to be) constructed a dwelling of 1-to-4 unitsWithin 3 business days of a receipt of a loan applicationWash. Rev. Code Ann. §§ 19.146.010(13) & 19.146.030(2)(c) (West 2012); Wash. Admin. Code § 208-620-510(3) & (4) (2012)Mortgage Broker Practices Act and Washington Consumer Loan ActModel Rate Lock AgreementInitial DisclosureWA Conflict of Interest DisclosureCx3705A loan originator or mortgage broker licensed under the Mortgage Broker Practices Act (or Consumer Loan Act, if an originator), who is acting both as a loan originator and a real estate broker or salespersonBrokersA residential mortgage loanEither: (1) residential real estate upon which is (or is intended to be) constructed a dwelling of 1-to-4 units; or (2) a dwelling (as defined under Section 103[v] of TILA) or residential real estate upon which is (or will be) a dwellingPrior to providing mortgage servicesWash. Rev. Code Ann. § 19.146.0201(14)(b) (West 2012); Wash. Admin. Code §§ 208-620-700(3) & 208-660-300(7) (2012)Mortgage Broker Practices Act and Washington Consumer Loan ActStatutory and AdministrativeInitial DisclosureWA Disclosure ReceiptCx3747A licensee under the Washington Consumer Loan ActBothA loanReal propertyNot specifiedWash. Admin. Code § 208-620-510(2) (2012)Washington Consumer Loan ActNoInitial DisclosureLoan Brokerage AgreementCx3841A mortgage broker or a loan originator BrokersA residential mortgage loanResidential real property upon which is (or will be constructed) a 1-to-4 family dwellingNot specifiedWash. Rev. Code Ann. § 19.146.040 (West 2012); Wash. Admin. Code § 208-660-430(23) (2012)NoInitial DisclosureAddendum to Loan ApplicationCx13441Not specifiedBothNot specifiedNot specifiedNot specified, but practically with the applicationWash. Rev. Code Ann. §§ 26.04.010 & 26.60.010 through 26.60.901 (West 2012)NoInitial DisclosureWA Disclosure Summary orRESPA Disclosures Cx13539 (upon request) or Cx14221 and other RESPA Disclosures (Federal)A financial institution (the definition of which includes many licensee types), a licensee under the Consumer Loan Act, a mortgage broker, or a loan originatorBothA residential mortgage loan or a consumer loanResidential real property upon which is (or will be constructed) a 1-to-4 family dwelling, or real propertyWithin 3 business days following receipt of an application.Wash. Rev. Code Ann. §§ 19.144.020 & 31.04.102 (West 2012); Wash. Admin. Code §§ 208-600-200, 208-620-510(4), 208-660-430(4)(b) (2012)Washington Consumer Loan ActLoan Disclosure Summary Form - Both Types12 CFR Pt. 1024, AppendicesInitial DisclosureWA Facts About Construction Lien DisclosureCx16579A real property lenderBothA loan secured by real property Real propertyNot specifiedWash. Rev. Code Ann. §§ 60.04.250 & 60.04.255 (West 2013)Facts About Construction LiensClosingPMI DisclosureCx29, Cx862, Cx4668, Cx14292, Cx14293, & Cx14294 (all Federal)A lenderBothA residential mortgage transactionAn owner-occupied, 1-to-4 unit residential real propertyAt the time a transaction is entered intoWash. Rev. Code Ann. § 61.10.020(1)(West 2012)NoneClosingWA Oral Agreement NoticeCx12751A creditorBothA loan of money or extension of creditNot specifiedIn documents relating to the credit agreement.Wash. Rev. Code Ann. § 19.36.140 (West 2012)StatutoryClick here for Table of ContentsClick here for Table of ContentsWest Virginia(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLender/Broker/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureAnti-Coercion Insurance DisclosureCx2778A creditor BothA consumer loanReal propertyNot specifiedW. Va. Code Ann. § 46A-3-109(b)(4) & (b)(5) (West 2012)West Virginia Consumer Credit and Protection ActNoInitial DisclosureWV Tangible Net Benefit WorksheetCx3849A licensee under either the West Virginia Residential Mortgage Lender, Broker, and Servicer Act or the West Virginia SAFE Mortgage Licensing Act (W.Va. Code Ann. §§ 31-17A-1 through 31-17A-20), or a regulated consumer lenderBothA primary mortgage loan or a subordinate mortgage loan, or a consumer loanA dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which is constructed a dwelling, or landNot specifiedW. Va. Code Ann. §§ 31-17-8(d) & 46A-4-111(2) (West 2012)West Virginia Residential Mortgage Lender, Broker, and Servicer ActandWest Virginia Consumer Credit and Protection ActTangible Net Benefit WorksheetInitial DisclosureWest Virginia Fees and Services DisclosureCx4827 (upon request)A credit services organizationBrokersAn extension of creditNot specifiedBefore executing a contract with a buyer or receiving any moneyW. Va. Code Ann. § 46A-6C-6 (West 2012)West Virginia Consumer Credit and Protection Act CSO-3 & CSO-4 Initial DisclosureCredit Services Organization Contract and Notice of CancellationURA credit services organizationBrokersAn extension of creditNot specifiedNot specified, but practically before engaging in credit servicesW.Va. Code Ann. § 46A-6C-7 (West 2012)West Virginia Consumer Credit and Protection ActMostly StatutoryInitial 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 the TILA) or residential real estate upon which is constructed a dwellingWith the applicationW. Va. Code Ann. § 31-17A-18 (West 2012)West Virginia SAFE Mortgage Licensing ActFNMA 1003 Form - Uniform Residential Loan ApplicationClosingTruth-in-Lending Disclosure and Truth-in-Lending Total Payments ItemizationCx18 and other closing TILs and Cx15444 (all Federal)A licensee under either the West Virginia Residential Mortgage Lender, Broker, and Servicer Act or the West Virginia SAFE Mortgage Licensing Act (W.Va. Code Ann. §§ 31-17A-1 through 31-17A-20), or any person making a mortgage loanBothA primary mortgage loan or a subordinate mortgage loanA dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which is constructed a dwellingAt the time of closingW. Va. Code Ann. § 31-17-9(a) (West 2012)West Virginia Residential Mortgage Lender, Broker, and Servicer Act12 CFR Pt. 1026, App. H; Form H-2Closing3260 Note Balloon, 3180 Rider Balloon, and Fixed Rate Note West Virginia SecondCx230 (FNMA/FHLMC), Cx752 (FNMA/FHLMC), and Cx1081Not specifiedBothA consumer loanLandWith any writing purporting to contain the agreement of the parties (closing)W. Va. Code Ann. § 46A-2-105West Virginia Consumer Credit and Protection ActNoClosingWV Collateral Protection Insurance DisclosureCx1000A creditor, who is an institution insured by either the FDIC or NCUABothA consumer credit transactionCollateral, which includes real propertyWith the credit agreement (closing)W. Va. Code Ann. § 46A-3-109a(b)(3) (West 2012)West Virginia Consumer Credit and Protection ActStatutoryClosingWV Notice to CosignersCx1018Not specifiedBothA consumer loanLandBefore a cosigner signs any instrument evidencing the transaction.W. Va. Code Ann. § 46A-2-104 (West 2012)West Virginia Consumer Credit and Protection ActStatutoryClick here for Table of ContentsClick here for Table of ContentsWisconsin(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLender/Broker/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial DisclosureAnti-Coercion Insurance DisclosureCx2778Any person engaged in the business of loaning moneyBothA financing of the purchase of the property or a lending of money secured by the propertyReal or personal propertyNot specifiedWis. Stat. Ann. § 134.10(1) (West 2012)NoInitial DisclosureAdvanced Fee/Application DisclosureCx2783A bank, credit union, savings bank, savings and loan association, mortgage banker, or any other lenderBothA loan, which is a primary lienA 1-to-4 family dwelling used as the borrower’s principal residenceBefore accepting an application or fee in connection with the loan.Wis. Stat. Ann. § 138.052(7e)(b) (West 2012); Wis. Admin. Code, DFI-BKG § 43.02(11) (2012) NoInitial DisclosureWI Adjustable Rate Mortgage Information StatementCx3951A lender BothA variable rate loan, which is a primary lienA 1-to-4 family dwelling used as the borrower’s principal residenceBefore making a variable rate loan.Wis. Stat. Ann. § 138.056(6) (West 2012)NoInitial DisclosureAddendum to Loan ApplicationCx13441Not specifiedBothNot specifiedNot specifiedNot specified, but practically with the applicationWis. Stat. Ann. §§ 770.001 through 770.18 (West 2012)NoInitial DisclosureGood Faith Estimate 01-01-10 & WI Loan CommitmentCx14221 (Federal) and Cx15918A licensee under either Wis. Stat. Ann. §§ 224.72 or 224.725 BothA residential mortgage loanA dwelling (as defined in 15 USCA § 1602[v]) or residential real propertyAt the time of or prior to the issuance of a loan commitmentWis. Admin. Code, DFI-BKG §§ 40.01(5) & (6) and 43.02(12) & (13)12 CFR Pt. 1024, App. CInitial DisclosureWI Consumer Disclosure StatementCx14546A mortgage brokerBrokersA residential mortgage loanA dwelling (as defined in 15 USCA § 1602[v]) or residential real propertyBefore entering into a brokerage services contract.Wis. Stat. Ann. § 224.79(2) (West 2012); Wis. Admin. Code, DFI-BKG § 44.02 (2012)Consumer Disclosure StatementInitial DisclosureWI Mortgage Broker AgreementCx14547A mortgage brokerBrokersA residential mortgage loanA dwelling (as defined in 15 USCA § 1602[v]) or residential real propertyNot specified, but practically before engaging in broker servicesWis. Stat. Ann. § 224.79(1) (West 2012); Wis. Admin. Code, DFI-BKG § 44.01 (2012)Mortgage Broker Agreement - Both VersionsInitial DisclosureHigh Cost Tangible Net Benefit WorksheetCx15773 (upon request)A lenderBothA covered loan that refinances another covered loan, which is a first lien with an amount financed of $25,000 or lessResidential real property that is or will be occupied by the customer as a principal dwellingNot specifiedWis. Stat. Ann. § 428.203(7) (West 2012)NoInitial Disclosure & ClosingWI ARM Prepayment Penalty NoticeCx9109A lender BothA variable rate loan, which is a primary lienA 1-to-4 family dwelling used as the borrower’s principal residenceBy the time of the offer of the loanWis. Stat. Ann. § 138.056(3m)(a) (West 2012)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 15 USCA § 1602[v]) or residential real propertyWith the applicationWis. Stat. Ann. § 224.73(4)(a) & (b) (West 2012)FNMA 1003 Form - Uniform Residential Loan ApplicationClosingWI Mortgage Second & Fixed Rate Note Wisconsin SecondCx515 & Cx1080Not specifiedBothA consumer credit transaction, which is a junior lien and the amount financed is $25,000 or lessReal or personal propertyWith the writing evidencing the customer’s obligation to pay (closing)Wis. Stat. Ann. § 422.303(3) (West 2012)Wisconsin Consumer ActStatutoryClosingNotice to Spouse of Extension of Credit by Copy of Security InstrumentCx515 & Cx1353A creditorBothA credit transaction governed by the Wisconsin Consumer Act (Wis. Stat. Ann. ch. 421 through 427), which is a junior lien and the amount financed is $25,000 or lessReal or personal propertyBefore any payment is due under the transactionWis. Stat. Ann. § 766.56(3)(b) (West 2012)The Family CodeNoClosingWI Property Tax Escrow OptionCx1023A bank, credit union, savings bank, savings and loan association, or mortgage bankerBothA loan, which is a primary lienA 1-to-4 family dwelling used as the borrower’s principal residenceBefore closingWis. Stat. Ann. § 138.052(5m)(b) (West 2012)NoClosingWI Explanation of Personal ObligationCx16043 (upon request)Not specifiedBothA consumer credit transaction, which is a junior lien and the amount financed is $25,000 or lessReal or personal propertyAt the same time of signing a separate instrumentWis. Stat. Ann. § 422.305(1) (West 2012)Wisconsin Consumer ActNoClick here for Table of ContentsClick here for Table of ContentsWyoming(Package Type)Proper Name of DisclosureGeneric Cx NumberLicense TypeLender/Broker/BothLoan TypePropertyTiming RequirementLegal ReferenceSpecific Language RequiredInitial Disclosure Anti-Coercion Insurance DisclosureCx2778Either: (1) any person; or (2) a creditorBothEither: (1) a loan of money; or (2) a consumer loan, which is generally a junior lien with a finance charge exceeding 18%Either: (1) real or personal property; or (2) land or a dwelling consisting of 1-to-4 units which may or may not be attached to real propertyTo be given promptly.Wyo. Stat. Ann. §§ 26-13-118 & 40-14-409 (West 2012)Unfair Trade Practices Act and Uniform Consumer Credit Code - InsuranceNoInitial DisclosureWY Mortgage Broker AgreementCx13452A licensee under the Wyoming Residential Mortgage Practices Act (document must be signed by a licensed mortgage broker under this Act)BrokersA residential mortgage loan, which is a primary lienA dwelling, consisting of 1-to-4 units, whether attached to real property or not, or residential real estate upon which is constructed a dwellingWithin 3 business days of a borrower signing an application, but before he sends any consideration to the licenseeWyo. Stat. Ann. § 40-23-114 (West 2012)Wyoming Residential Mortgage Practices ActNoInitial DisclosureGood Faith Estimate 01-01-10 Cx14221 (Federal) A mortgage brokerBothA residential mortgage loan, which is a primary lienA dwelling, consisting of 1-to-4 units, whether attached to real property or not, or residential real estate upon which is constructed a dwellingNo less than 3 business days prior to closingWyo. Stat. Ann. § 40-23-114(d)(ii) (West 2012)Wyoming Residential Mortgage Practices Act12 CFR Pt. 1024, App. CInitial DisclosureWY Commitment/Lock-in AgreementCx15904A mortgage broker acting on the behalf of a mortgage lenderBothA mortgage loan (aka a residential mortgage loan), which is a primary lienA dwelling, consisting of 1-to-4 units, whether attached to real property or not, or residential real estate upon which is constructed a dwellingWhen the broker has obtained a commitment or lock-in from the lender on behalf of the borrowerWyo. Stat. Ann. § 40-23-115(a) (West 2012)Wyoming Residential Mortgage Practices ActNoInitial DisclosureCost of Insurance DisclosureCx16488 (upon request)A lenderLendersA consumer loan, which is generally a junior lien with a finance charge exceeding 18%Land or a dwelling consisting of 1-to-4 units which may or may not be attached to real propertyNot specified, but practically before charges for additional insurances are made Wyo. Stat. Ann. § 40-14-311(b)(i) & (ii) (West 2012)Uniform Consumer Credit Code - LoansNoInitial Disclosure & ClosingAll Truth-in-Lending DisclosuresCx18, Cx1591, and all other TILA Disclosures (all Federal)A creditorBothA consumer loan, which is generally a junior lienLand or a dwelling consisting of 1-to-4 units which may or may not be attached to real propertyVarious timesWyo. Stat. Ann. § 40-14-320 (West 2012)Uniform Consumer Credit Code - Loans12 CFR Pt. 1026, App. G & HInitial 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 loan, which is a consumer loan that generally is a junior lien with a finance charge exceeding 18%A dwelling, consisting of 1-to-4 units, whether attached to real property or not, or residential real estate upon which is constructed a dwellingWith the loan applicationWyo. Stat. Ann. § 40-14-649 (West 2012)Wyoming Uniform Consumer Credit CodeFNMA 1003 Form - Uniform Residential Loan ApplicationClick here for Table of Contents ................
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