· web viewca mortgage guaranty insurance cancellation disclosure cx999 or cx17040 a lender or...
TRANSCRIPT
STATE DISCLOSURES
Legal 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, 2013
Property of DocuTech Corporation Page 1
Matrix Guide
United States(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Processing and Closing U.S. Constitution 1 (Federal)
All government agencies
Both
Credit extended on full faith and
credit
Government lands
Before any laws are made
U.S. Const. art. 1 through 34
Constitution of the United States
of America
Constitutional
Property of DocuTech Corporation Page 2
Lists all of the document packages in which the
document will print
“UR” or “Upon Request” refers to generic documents which will only print if requested.
Other words in parenthesis indicate whether the particular disclosure is a Federally required, Federal Agency, or Government Sponsored Enterprise document
Documents are first sorted by Package Type, starting with earlier packages (e.g. Initials before Closings). Documents which print in multiple packages are listed before Closing packages.
Documents are then sorted based on their ConformX number.
Words in italics indicate that the document will print either when the
lender is acting as a broker, as a lender, or as either (both).
References applicable laws and contains a link to an official (or officially sponsored) law library.
The text in italics is the official Short Title which at least one of the cited laws is a part (or under which
an administrative law is made pursuant to).
The terms “Constitutional,” “Statutory,” or “Administrative” indicate that the language of the disclosure is prescribed by law. Adjectives preceding either of these terms indicate the extent to which the language is
prescribed. If no adjective, the entire language of the form is prescribed by law.
Other terms refer to either official or model forms prescribed by either a federal or state government agency.
Table of ContentsClick Text to Jump to Page
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
Property of DocuTech Corporation Page 3
Click here for Table of Contents
Alabama(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureAnti-Coercion
Insurance Disclosure
Cx2778
A creditor licensed under the Alabama
“Mini-Code”Both
A consumer credit transaction (aka a consumer
loan)
Property in which the creditor is
given a security interest
Not specified
Ala. Code § 5-19-20(e) (2012)
Alabama “Mini-Code”
No
Initial Disclosure AL Mortgage Broker Agreement Cx4068
A licensee under the Mortgage Brokers
Licensing ActBrokers
A mortgage loan1- to 4- family residential real
estate
Prior to the collection of a
mortgage broker fee
Ala. Code § 5-25-12(a)(1) (2012)
Mortgage Brokers Licensing
Act
No
Initial Disclosure AL Commitment Agreement UR A lender
Lenders A mortgage loan1-to-4 family
residential real estate
Before a mortgage broker
collects any mortgage broker
fees
Ala. Code §§ 5-25-2(2) and 5-25-12(b)(3) & (b)(5)
Mortgage Brokers Licensing
Act
No
Initial Disclosure, Processing,
Underwriting, & Closing
NMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan
Application
On Cx4193 (FNMA/FHLMC)
Any person originating a residential mortgage
loanBoth
A residential mortgage loan
A 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 application
Ala. Code § 5-26-20 (2012)
Alabama S.A.F.E. Mortgage
Licensing Act of 2009
FNMA 1003 Form - Uniform Residential
Loan Application
Property of DocuTech Corporation Page 4
Alabama(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Closing
Caution Notice in 3200, FHA, and VA 3200 Note Fixed, Fixed Rate Note
Alabama Second, and other Notes
On Cx5 (
FNMA/FHLMC), Cx36 (FHA),
Cx58, Cx1033 and other
Notes
A creditor licensed under the Alabama
“Mini-Code”Both
A consumer credit transaction (aka a consumer
loan)
Property in which the creditor is
given a security interest
At closing
Ala. Code § 5-19-6(a) (2012)
Alabama “Mini-Code”
Statutory
FNMA Form 3200
Closing
AL FHA Addendum to Wood
Infestation Inspection Report
Cx1260 (upon request)
Not specifiedBoth Not specified Property Not specified
Ala. Admin. Code r. 80-10-9-.18
(2013)No
Click here for Table of Contents
Property of DocuTech Corporation Page 5
Click here for Table of Contents
Alaska(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureAK Anti-Coercion
Insurance Disclosure
Cx3842Either: (1) a creditor or lender; or (2) a person
Both
Either: (1) a debt or loan; or (2) a
loan of money or extension of
credit
Either: (1) real or personal property of every kind and of every interest
therein; or (2) property
Not specified
Alaska Stat. §§ 21.36.160 &
21.36.319 (West 2012)
No
Initial DisclosureTangible Net
Benefit Worksheet
Cx12531(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))
Both
A 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
homes
Not specified
Alaska Stat. § 06.60.350 (West
2012)Alaska Secure
and Fair Enforcement for
Mortgage Licensing Act of
2010
No
Closing
Notice of Suit in 3200, FHA, and VA 3200 Note
Fixed, Fixed Rate Note Alaska
Second, and other Notes
Cx5 (
FNMA/FHLMC), Cx36 (FHA),
Cx58, Cx1032, and other
Notes
A lenderBoth
An obligation secured by a
mortgage or deed of trust
Not specified On the promissory note
Alaska Stat. § 34.20.160 (West
2012)
Statutory
FNMA Form 3200
Property of DocuTech Corporation Page 6
Alaska(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Closing AK Loan Statement Cx14786
A licensee under the Alaska Small Loans Act
Both
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
Act
Not specified At the time the loan is made
Alaska Stat. § 06.20.270 (West
2012) Alaska Small
Loans Act
No
ClosingAlaska Escrow
Account Agreement
Cx16005 (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))
Both
A 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
homes
Not specified
Alaska Stat. § 06.60.360 (West
2012)Alaska Secure
and Fair Enforcement for
Mortgage Licensing Act of
2010
No
Click here for Table of Contents
Property of DocuTech Corporation Page 7
Click here for Table of Contents
Arizona(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureAZ Authorization
to Complete Blank Spaces
Cx2779
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 Chapter
Both
A mortgage banking loan or a
mortgage loanReal estate Closing
Ariz. Rev. Stat. Ann. §§ 6-909(A)
& 6-947(A) (2012); Ariz.
Admin. Code R20-4-921 & R20-4-
1808 (2012)
Administrative
Initial Disclosure
Advanced Fee/Application Disclosure and
Good Faith Estimate 01-01-10
Cx2783 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 Chapter
Both
Either: (1) a mortgage loan of $200,000 or less; or (2) a mortgage banking loan or mortgage loan
Real estate
Before accepting any monies or documents in
connection with an application or before collecting
any other advance fee
Ariz. Rev. Stat. Ann. §§ 6-906(c) ,
6-909(k), & 6-946(c) (2012)
12 CFR Pt. 1024, App. A
Property of DocuTech Corporation Page 8
Arizona(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureAnti-Coercion
Insurance Disclosure
Cx2788
Either: (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 propertyBoth
A loan secured by real property
Real estate and real property Not specified
Ariz. Rev. Stat. Ann. §§ 6-909(P),
6-947(O), 20-452.01, 20-
452.02, & 20-452.03 (2012)
No
Initial Disclosure
Disclosure of Multiple Roles in a
Consumer Real Estate Transaction
Cx3581
Either: (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
salesmanBoth
A mortgage banking loan or a
mortgage loanReal estate
Before collecting compensation for
rendering services as a real estate broker or
real estate salesman
Ariz. Rev. Stat. Ann. §§ 6-909(I) & 6-947(I) (2012)
No
Property of DocuTech Corporation Page 9
Arizona(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure & Adverse Action
Appraisal Disclosure Cx3397
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 Chapter
Both
A mortgage banking loan or a
mortgage loanReal estate Not specified
Ariz. Rev. Stat. Ann. §§ 6-906(c) & 6-946(c) (2012)
No
Click here for Table of Contents
Property of DocuTech Corporation Page 10
Click here for Table of Contents
Arkansas(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure Right to Choose Attorney Cx3846 A creditor
BothA high-cost home
loan
Real estate upon which there is a
1-to-4 family structure which is or which will be occupied by the borrower as his
principal dwelling
Not specified
Ark. Code Ann. § 23-53-103(6)(B)
(ii)(h) (West 2012)
Arkansas Home Loan Protection
Act
No
Initial DisclosureTangible Net
Benefit Worksheet
Cx12531 (upon request)
Either: (1) a person; or (2) a creditor
Both
Either: (1) a mortgage loan
transaction which refinances a residential
mortgage loan; or (2) a high-cost
home loan which refinances an existing home
loan
Either: (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 dwelling
Not specified
Ark. Code Ann. §§ 23-39-513(10) &
23-53-104(b) (West 2012)
Fair Mortgage Lending Act and Arkansas Home Loan Protection
Act
No
Property of DocuTech Corporation Page 11
Arkansas(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureAR Anti-Coercion
Insurance Disclosure
Cx17018
Either: (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 institution
Both
Either: (1) a mortgage loan;
(2) credit; or (3) a loan or extension
of credit
PropertyPrior to the sale of most, but not all, insurances
Ark. Code Ann. §§ 23-32-206, 23-66-312, 23-66-605, & 23-66-606 (West
2012)Insurance Sales
Consumer Protection Act
No
Adverse Action
Addendum to Statement of Credit Denial,
Termination, or Change
Cx15905A user of a consumer report (aka a creditor)
Both
Credit, an extension of
existing credit, or increase in
existing credit
Not specifiedWhen credit is
denied either in whole or in part
Ark. Code Ann. §§ 4-93-103 & 4-93-104 (West 2012)
No
Property of DocuTech Corporation Page 12
Arkansas(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure, Processing,
Underwriting, and Closing
NMLS Unique Identifier
Disclosed on 1003 Uniform
Residential Loan Application
On Cx4193 (
FNMA/FHLMC)
A person soliciting or originating a mortgage
loan.Both
A mortgage loan
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
On the application
Ark. Code Ann. § 23-39-510(b) (West 2012)
Fair Mortgage Lending Act
FNMA 1003 Form - Uniform Residential
Loan Application
Closing
Principal and Interest
Disclosure on the HUD-1 01-01-10
Cx14222 (Federal)
A lender or any other person, corporation, or legal entity extending
creditBoth
Credit Property At the time of extending credit
Ark. Code Ann. § 4-57-103(a) (West 2012)
12 CFR Pt. 1024, App. A
Click here for Table of Contents
Property of DocuTech Corporation Page 13
Click here for Table of Contents
California(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/
BothLoan Type Property Timing
RequirementLegal
Reference
Specific Language Required
Initial Disclosure
CA Disclosure Receipt Cx2687
Either: (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)Both
Either: (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 dwelling
Either: (1) real property; or (2) residential real
property or a 1-to-4 family dwelling
With forms furnished for application
Cal. Bus. & Prof. Code §
10240(c) (West 2012); Cal.
Code Regs. Tit. 10, § 1950.204
(2013)Real Estate
Law and California
Residential Mortgage
Lending Act
No
Initial Disclosure
CA Mortgage Brokerage Agreement
Cx2784
A licensee under the California Residential
Mortgage Lending Act, specifically a
residential mortgage lender, or a mortgage
loan originator employed by the
residential mortgage lenderBrokers
A residential mortgage loan, which is either a
federally related mortgage loan as defined in 24 CFR
3500.2ٯ 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
services
Cal. Fin. Code §§ 50700(c) &
50701(a) through (f)
(West 2012)California
Residential Mortgage
Lending Act
No
Property of DocuTech Corporation Page 14
California(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/
BothLoan Type Property Timing
RequirementLegal
Reference
Specific Language Required
Initial Disclosure
CA Balloon Disclosure Regarding
Extension of Credit
Cx2786 (upon request)
A real estate broker (aka a licensee under Chapter 3 of the Real
Estate Law))Brokers
Any 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 more
A 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 less
Prior to a borrower becoming
obligated on the loan
Cal. Bus. & Prof. Code §
10241.4 (West 2012)
Real Estate Law
Statutory
Initial Disclosure
CA Home Equity Loan Disclosure Cx2787 A creditor
Lenders A home equity loan The consumer’s dwelling
At the time of application, or
within 3 business days
if the customer applies by
mail or telephone
Cal. Civ. Code § 2971 (West
2012)Statutory
Property of DocuTech Corporation Page 15
California(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/
BothLoan Type Property Timing
RequirementLegal
Reference
Specific Language Required
Initial Disclosure
CA Addendum to Uniform
Residential Loan Application
Cx2796
Either: (1) not specified; or (2) a
lender, presumably a finance lender
licensed under the California Finance
Lenders LawBoth
Either: (1) credit; or (2) a consumer loan, but not including a commercial bridge loan made by a
venture capital company to an operating company
Either: (1) not specified; or (2) real property
As a part of the
application
Cal. Civ. Code § 1812.30(j)
(West 2012); Cal. Fin. Code §§ 22203 &
22204 (West 2012)
California Finance
Lenders Law
No
Initial Disclosure
CA Consumer Caution and
Home Ownership Counseling Notice for
Covered Loans
Cx2797
A “licensed person,” which includes all the major license types (see Cal. Fin. Code § 4970[g] for details)
Both
A covered 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 unit
No later than 3 business
days prior to closing
Cal. Fin. Code § 4973(k) (West
2012)No
Initial Disclosure
CA Mortgage Loan Disclosure
StatementCx2798
A real estate broker (aka a licensee under Chapter 3 of the Real
Estate Law)Brokers
A loan secured by a lien Real property
Within 3 business days after receipt of a written
loan application
Cal. Bus. & Prof. Code §§ 10240, 10241,
& 10241.2 (West 2012);
Cal. Code Regs. Tit. 10, § 2840
(2013)Real Estate
Law
RE 882 - Mortgage Loan
Disclosure Statement, Traditional
Initial Disclosure
CA Title Insurance Disclosure
Cx2799 Not specifiedBoth
An escrow transaction for the purchase or
simultaneous exchange of real property
Real propertyAt the time of
an escrow transaction
Cal. Civ. Code § 1057.6 (West
2012)Statutory
Property of DocuTech Corporation Page 16
California(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/
BothLoan Type Property Timing
RequirementLegal
Reference
Specific Language Required
Initial Disclosure
CA Balloon Disclosure
Cx2800 (upon request)
A real estate broker (aka a licensee under Chapter 3 of the Real
Estate Law)Both
A loan secured by a lien Real property
Within 3 business days after receipt of a written
loan application
Cal. Bus. & Prof. Code §
10241(h) (West 2012)Real Estate
Law
Statutory
Initial Disclosure
HCL Prepayment
Charge Disclosure
Cx2892
The person originating the covered loan.
Both
A covered loan which contains a prepayment
penalty
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 unit
At least 3 business days prior to loan
consummation
Cal. Fin. Code § 4973(a)(2)(B) (West 2012)
No
Initial Disclosure
CA Finance Lenders Law Statement of Loan - Broker
Cx5188
A licensed broker under the California Finance Lenders Law
Brokers
Consumer loans (of $5,000 or more), but
excluding a commercial bridge loan made by a
venture capital company to an operating company
Real property
At the time the final
negotiation or arrangement
is made
Cal. Fin. Code §§ 22314 &
22338 (West 2012); Cal.
Code Regs. tit. 10, § 1454
(2013)California Finance
Lenders Law
Partial Administrative
Initial Disclosure
CA Rate Lock Agreement Cx7442
A licensee under the California Residential Mortgage Lending Act
Both
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
Residential real property, which has a 1-to-4 family
structure
Not specified, but practically
before requiring a lock-in fee
prior to closing
Cal. Fin. Code § 50203(a)(3)(A)
& (B) (West 2012)
California Residential Mortgage
Lending Act
No
Property of DocuTech Corporation Page 17
California(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/
BothLoan Type Property Timing
RequirementLegal
Reference
Specific Language Required
Initial Disclosure
CA Mortgage Loan Disclosure Statement/Good Faith Estimate
Cx12922
Either: (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 ActBoth
Either: (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 Guidance
Either: (1) real property; (2) residential real
property improved by a 1-to-4 family dwelling; or (3) a 1-to-4 unit single-family
residence
Within 3 business days after receipt of a written
loan application
Cal. 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 Act
Re885 - Mortgage Loan
Disclosure Statement/Goo
d Faith Estimate, Non
Traditional Mortgage Product
Initial Disclosure
CA Disclosure of Negative
AmortizationCx12996
A person originating a covered loan.
Both
A first mortgage, negative amortization covered 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 unit
Not specifiedCal. Fin. Code § 4973(c) (West
2012)No
Initial Disclosure
Addendum to Loan
ApplicationCx13441 Not specified
Both Not specified Not specified Not specifiedCal. Fam. Code § 297.5 (West
2012)No
Property of DocuTech Corporation Page 18
California(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/
BothLoan Type Property Timing
RequirementLegal
Reference
Specific Language Required
Initial Disclosure
CA Comparison of Sample Mortgage Features
Cx13522
Either: (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 Act
Both
A nontraditional loan or an adjustable rate loan
that is subject to the Guidance
Residential real property improved by a 1-to-4
family dwelling
Within 3 business days after receipt of a written
loan application
Cal. Code Regs. tit. 10, §§ 1436(d) &
1950.314.8(d) (2013)
California Finance
Lenders Law and California
Residential Mortgage
Lending Act
Comparison Chart
Initial Disclosure
CA Broker HPML Disclosure
Cx14956 (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)
Both
A higher-priced mortgage loan
A consumer’s principal dwelling
At the time of initially
engaging in mortgage brokerage
services
Cal. Fin. Code § 4995.2(c)
(West 2012)No
Initial Disclosure
CA Spanish Good Faith
Estimate
Cx15532 (Spanish)
A supervised financial organization (see Cal. Civ. Code § 1632.5[b][2] for license types)
Both
A loan or extension of credit secured by
residential real propertyResidential real property
No later than 3 business days after
receipt of a written
application
Cal. Civ. Code § 1632.5 (West
2012)
Summary of Notice of Default - Spanish
Property of DocuTech Corporation Page 19
California(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/
BothLoan Type Property Timing
RequirementLegal
Reference
Specific Language Required
Initial Disclosure
High Cost Tangible Net
Benefit Worksheet
Cx15773 (upon request)
A person originating a covered loan.
Both
A 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 unit
Not specifiedCal. Fin. Code § 4973(j) (West
2012)No
Initial Disclosure
CA Loan Commitment Cx16083
A licensee under the California Residential Mortgage Lending Act
Both
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
Residential real property, which has a 1-to-4 family
structure
Upon approval of
the application
Cal. Fin. Code § 50203(a)(4) (West 2012)
California Residential Mortgage
Lending Act
No
Initial Disclosure
CA Advanced Fee/Application
DisclosureCx16084
A licensee under California’s Real
Estate Law (Cal. Bus. & Prof. Code §§ 10000 through
10602)Both
Not specified, but practically a loan secured directly or collaterally by
liens on real property
Real property
Not specified, but practically
before performing any services
for which the fee is charged
Cal. Code Regs. tit. 10, § 2970
(2013)Real Estate
Law
No
Property of DocuTech Corporation Page 20
California(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/
BothLoan Type Property Timing
RequirementLegal
Reference
Specific Language Required
Initial Disclosure
CA Fair Lending Notice Cx16170
Financial Institutions, including banks, savings and loan associations, and public agencies
Both
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 contracts
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 loan
Upon submission of
a written application
Cal. Health and Safety Code § 35830 (West 2012); Cal.
Code Regs. Tit. 21, § 7114
(2013)Holden Act and California Fair
Lending Regulations
Administrative
Re867 - Fair Lending Notice
(receipt)
Property of DocuTech Corporation Page 21
California(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/
BothLoan Type Property Timing
RequirementLegal
Reference
Specific Language Required
Adverse Action
Statement of Credit Denial,
Termination or Charge
Cx15858 (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 agency
Both
Either: (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 contracts
Either: (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 loan
Within 30 days of taking action on an application
Cal. 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 Regulations
12 CFR Pt. 1002, App. C; Form C-
1
Property of DocuTech Corporation Page 22
California(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/
BothLoan Type Property Timing
RequirementLegal
Reference
Specific Language Required
Initial Disclosure &
Closing
Copy of Appraisal
Report NoticeCx6 (Federal) A lender
Both
A loan transaction, but not a loan modification, if the lender has not charged for
the appraisal
Real property, including residential real property
consisting of 1-to-4 family residences
Either 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 property
Cal. Bus. & Prof. Code § 11423 (West
2012)Real Estate Appraisers’
Licensing and Certification
Law
12 CFR Pt. 1002, App. C; Form C-
9
Initial Disclosure &
Closing
CA Earthquake Insurance for
Condominiums Disclosure
Cx998A lender originating
the loan.Both
A 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 thereof
A condominium project.As soon as reasonably
practical
Cal. Civ. Code § 2955.1 (West
2012)No
Initial Disclosure &
Closing
CA Credit Score Disclosure Cx2112
Either: (1) a consumer credit reporting
agency; or (2) any person who makes or
arranges loansBoth
A closed end loan or the establishment of an open end loan for a consumer
purpose
1- to 4- units of residential real property
As soon as reasonably
practical
Cal. Civ. Code §§
1785.15.1(a) & 1785.20.2(a) (West 2012)
Consumer Credit
Reporting Agencies Act
No
Property of DocuTech Corporation Page 23
California(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/
BothLoan Type Property Timing
RequirementLegal
Reference
Specific Language Required
Initial Disclosure &
Closing
CA Credit Score Notice Cx2114
Any person who makes or arranges
loans.Both
A closed end loan or the establishment of an open end loan for a consumer
purpose
1- to 4- units of residential real property
As soon as reasonably
practical
Cal. Civ. Code § 1785.20.2(d) (West 2012)
Consumer Credit
Reporting Agencies Act
Statutory
Initial Disclosure &
Closing
CA Insurance Disclosure Cx2350
Either: (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 specified
Both
Either: (1) a loan secured by real property; or (2) a financed purchase or a
loan of money
Either: (1) real property upon which buildings or
structures are attached; or (2) not specified
As soon as practical, but
before execution of any note or
security documents
Cal. Civ. Code § 2955.5(a) & (b)
(West 2012); Cal. Ins. Code §§ 770 & 772 (West 2012)
No
Property of DocuTech Corporation Page 24
California(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/
BothLoan Type Property Timing
RequirementLegal
Reference
Specific Language Required
Initial Disclosure, Processing,
Underwriting, and Closing
NMLS Unique Identifier
Disclosed on 1003 Uniform
Residential Loan Application
On 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)
Both
Either: (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 dwelling
Either: (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 dwelling
On the application
Cal. Fin. Code §§ 22347 & 50209; Cal.
Code Regs. tit. 10, §§ 1433(d) & 1950.209(a)
California Finance
Lenders Law and California
Residential Mortgage Loan Act
FNMA 1003 Form - Uniform Residential Loan
Application
Initial Disclosure &
Closing
Automated Valuation Model
Notice
Cx11978 (upon request)
A licensee under the California Finance
Lenders LawBoth
A 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 company
Real property, but excluding property owned
by the licensee
No later than 15 days after receipt of the written loan application
Cal. Fin. Code § 22317.2 (West
2012)California Finance
Lenders Law
Partial Statutory
Property of DocuTech Corporation Page 25
California(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/
BothLoan Type Property Timing
RequirementLegal
Reference
Specific Language Required
ClosingCA Per Diem
Interest Disclosure
Cx878
Either: (1) a lender; or (2) a licensee under
the California Residential Mortgage
Lending ActBoth
Either: (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 escrow
Either: (1) real property improved with between 1-
to-4 residential dwelling units; or (2) residential
real property or a 1-to-4 family dwelling
Prior to placing funds
in escrow
Cal. Civ. Code § 2948.5(b)
(West 2012); Cal. Fin. Code §
50204(o) (West 2012)
California Residential Mortgage
Lending Act
No
Property of DocuTech Corporation Page 26
California(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/
BothLoan Type Property Timing
RequirementLegal
Reference
Specific Language Required
ClosingCA Statement of Loan and HUD-1
01-01-10
Cx883 (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 Code
Excluded 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 more
Not specifiedAt the time the loan is
made
Cal. Fin. Code § 18231 (West 2012); Cal.
Code Regs. tit. 10, § 40.600
(2013)Industrial Loan
Law
12 CFR Pt. 1024, App. A
Closing CA Notice to Cosigner Cx886
A creditorBoth
A consumer credit transaction (see Cal. Civ.
Code § 1799.90[a] for specifics)
Real property
Prior to a co-signer
becoming obligated under the consumer
credit contract
Cal. Civ. Code §§ 1799.91 &
1799.92 (West 2012)
Statutory
Property of DocuTech Corporation Page 27
California(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/
BothLoan Type Property Timing
RequirementLegal
Reference
Specific Language Required
Closing
CA Mortgage Guaranty Insurance
Cancellation Disclosure
Cx999 or Cx17040
A lender or person making or arranging
the loanBoth
A 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 VA
Real property
No later than 30 days after the close of
escrow
Cal. Civ. Code § 2954.6 (West
2012)No
ClosingCA Impound
Account Statement
Cx1231 A lenderBoth
A 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 exemptions
Real 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 instrument
Prior to the execution of the loan or
sales agreement.
Cal. Civ. Code § 2954(a) (West
2012)No
Closing
CA HELOC Request For
Notice of Default
Cx3475
Any person desiring a copy of any notice of
default and of any notice of sale
Both
A deed of trust or mortgage with power of
sale
Real property or an estate for years
Subsequent to recording of
the of the deed of trust or mortgage, but prior to a recordation of
default
Cal. Civ. Code § 2924b (West
2012)Statutory
Property of DocuTech Corporation Page 28
California(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/
BothLoan Type Property Timing
RequirementLegal
Reference
Specific Language Required
Closing FACT Act Notice On Cx4387 (Federal)
A creditorBoth
A 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 transaction
Not specified
Prior to or within 30 days
after the transmission of negative
credit information
Cal. Civ. Code § 1785.26(b) through (d) (West 2012)
Consumer Credit
Reporting Agencies Act
Statutory
Closing
CA Finance Lenders Law Statement of
Loan – Finance Lenders
Cx14027
A licensed finance lender under the California Finance
Lenders LawBoth
Either: (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
company
Real propertyAt the time the loan is
made
Cal. Fin. Code §§ 22337 &
22400(b) (West 2012);
Cal. Code Regs. tit. 10, § 1454
(2013)California Finance
Lenders Law
Partial Administrative
ClosingCA Credit
Disability Claim Procedure
Cx15326 (upon request)
A creditor who directly arranges or participates in the
sale or receives compensation for the
sale of credit disability insurance
Both
A 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 units
Not specified
At the time the creditor sells credit disability insurance coverage
Cal. Civ. Code § 1812.402(f)(1) (West 2012) Statutory
Property of DocuTech Corporation Page 29
California(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/
BothLoan Type Property Timing
RequirementLegal
Reference
Specific Language Required
ClosingCA Important
Privacy Choices for Consumers
Cx16539 (upon request)
A financial institutionBoth
A financial product or service Not specified
Not specified, but must be
given annually
Cal. Fin. Code §§ 4052.5,
4053, & 4054.6(c)
(West 2012)California Financial
Information Privacy Act
SB 1 Standard Notice
Click here for Table of Contents
Property of DocuTech Corporation Page 30
Click here for Table of Contents
Colorado(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Initial Disclosure CO Loan Product Choice Cx2749 A lender
Lenders
A covered loan which contains a
prepayment penalty
An interest in land, which
should also be the consumer’s
principal dwelling
Not specified, but practically before a
prepayment penalty fee is included in the
loan
Colo. Rev. Stat. Ann. § 5-3.5-102(1)(g)(III) (West 2013)
Uniform Consumer Credit
Code
Statutory
Initial Disclosure CO Consumer Caution Notice Cx2750
A lender or mortgage brokerBoth
A covered loan
An interest in land, which
should also be the consumer’s
principal dwelling
Within a reasonable period of time after
determining that the loan will be a covered loan, but no later than
3 business days before consummation
Colo. Rev. Stat. Ann. § 5-3.5-103(1)(a)(I) (West 2013)
Uniform Consumer Credit
Code
Statutory
Initial DisclosureAnti-Coercion
Insurance Disclosure
Cx2778
Either: (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 lender
Both
Either: (1) a loan of money or an
extension of credit; (2) a loan secured by real
property
Property, particularly real
propertyNot specified
Colo. Rev. Stat. Ann. §§ 10-2-
602, 10-3-1105 & 10-4-114 (West
2013)Colorado Producer
Licensing Model Act
No
Property of DocuTech Corporation Page 31
Colorado(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Initial Disclosure
CO Consumer Credit
Transaction Disclosure
Cx3584 A creditorLenders
Either: (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 purpose
Either: (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 trailer
Not specified, but practically when an
assignment of rights is made
Colo. Rev. Stat. Ann. §§ 5-3-106
& 12-14.3-104.3(1) (West
2013)Uniform
Consumer Credit Code and Colorado
Consumer Credit Reporting Act
Partial Statutory
Initial Disclosure CO Disclosure Cx12866A mortgage loan
originatorBoth
A residential mortgage loan
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])
Within 3 business days after receipt of a
loan application or any moneys from a
borrower
Colo. Rev. Stat. Ann. § 12-61-
914(2)(a), (e), & (g) (West 2013)Mortgage Loan
Originator Licensing and
Mortgage Company
Registration Act
No
Property of DocuTech Corporation Page 32
Colorado(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Initial Disclosure CO Reasons for Loan Cx12874
A licensee under the Mortgage Loan
Originator Licensing and Mortgage
Company Registration Act
Both
A transaction, presumably a
residential mortgage loan
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 product
4 Colo. Code Regs. § 725-3:3-1-1-5(4) (2013)Mortgage Loan
Originator Licensing and
Mortgage Company
Registration Act
No
Initial Disclosure CO Lock-In Disclosure Cx13134
A mortgage loan originator
Both
A residential mortgage loan
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]).
Within 3 business days after receipt of a
loan application or any moneys from a
borrower
Colo. 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 Act
Colorado Lock-in Disclosure Form
Property of DocuTech Corporation Page 33
Colorado(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Initial DisclosureCO Prepayment
Penalty Disclosure
Cx13355
A licensee under the Colorado Mortgage
Loan Originator Licensing and
Mortgage Company Registration Act (Colo. Rev. Stat. Ann. §§ 12-
61-901 through 12-61-919)Both
Residential mortgage loans.
A dwelling or residential real
estate upon which is (or is
intended to be) constructed 1-to-4 family dwelling
units
Not specified
4 Colo. Code Regs. § 725-3:3-1-4-5(2) (2013)
Colorado Mortgage Loan
Originator Licensing and
Mortgage Company
Registration Act
No
Initial Disclosure Addendum to Loan Application Cx13441 Not specified
Both Not specified Not specifiedNot specified, but
practically at application
Colo. Rev. Stat. Ann. § 15-22-
105(3)(a) (West 2013)
Colorado Designated Beneficiary
Agreement Act
No
Property of DocuTech Corporation Page 34
Colorado(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Initial Disclosure CO Dual Status Disclosure Cx14095
A licensee under the Colorado Mortgage
Loan Originator Licensing and
Mortgage Company Registration Act who
also acts as a real estate broker or
salesperson.Both
Residential mortgage loans
A dwelling or residential real
estate upon which is (or is
intended to be) constructed 1-to-4 family dwelling
units
Within 3 business days after receipt of a
loan application or any moneys from a
borrower
Colo. Rev. Stat. Ann. § 12-61-912
(West 2013); 4 Colo. Code Regs. § 725-3:7-1-1-4
(2013)Colorado
Mortgage Loan Originator
Licensing and Mortgage Company
Registration Act
Dual Status Disclosure
Initial Disclosure Cost of Insurance Disclosure
Cx16488 (upon request)
The creditorLenders
A consumer credit
transaction (consumer loan)
Land Not specified
Colo. Rev. Stat. Ann. § 5-2-
202(3) (West 2013)
Uniform Consumer Credit Code – Finance
Charges and Related
Provisions
No
Initial DisclosureCO Truncated
Coverage Disclosure
UR A creditorLenders
A credit transaction Not specified
When a debtor elects truncated insurance
coverage
Colo. Rev. Stat. Ann. § 10-10-119(1) (West
2013)Credit Insurance
Act
No
Property of DocuTech Corporation Page 35
Colorado(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Initial Disclosure & Closing
CO Refinance Disclosure Cx993 A lenders
Lenders
Loans secured by a first lien that
refinances a purchase or
initial construction
loan
A dwelling, which is
improved real property that is
(or is intended to be) used as a residence and contains not more than 4
dwelling units
Not specified
Colo. Rev. Stat. Ann. §§ 5-1-
301(26)(c) & 5-5-112 (West 2013)
Uniform Consumer Credit
Code and Uniform
Consumer Credit Code – Remedies
and Penalties
No
Initial Disclosure & Closing
CO Disburser’s Notice Cx3760
The disburser (any lender who has agreed
to make any loan to the owner or contractor)
A loan, presumably
consisting of a mechanic’s lien
A structure Prior to the first disbursement
Colo. Rev. Stat. Ann. § 38-22-126(2) (West
2013)
No
Initial Disclosure, Processing,
Underwriting, and Closing
NMLS Unique Identifier
Disclosed on 1003 Uniform
Residential Loan Application
On 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)Both
A residential mortgage loan
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])
On the application
Colo. Rev. Stat. Ann. § 12-61-918
(West 2013)Mortgage Loan
Originator Licensing and
Mortgage Company
Registration Act
FNMA 1003 Form - Uniform
Residential Loan Application
Property of DocuTech Corporation Page 36
Colorado(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Initial Disclosure, Processing,
Underwriting, & Closing
Uniform Residential Loan
Application Disclosure & CO
Tangible Net Benefit
Disclosure
Cx4193 (
FNMA/FHLMC) & Cx12873
Either: (1) a lender or assignee; or (2) a
mortgage loan originator licensed
under the Mortgage Loan Originator Licensing and
Mortgage Company Registration Act
Both
Either: (1) a covered loan
which refinances another covered
loan; or (2) a transaction,
presumably a residential
mortgage loan
Either: (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 product
Colo. 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 Act
FNMA 1003 Form - Uniform
Residential Loan Application
Colorado Tangible Net Benefit Disclosure
Initial Disclosure, TILA Redisclosure,
& Closing
Itemization of Amount Financed
01-01-10
Cx14224 (Federal)
A licensee under the Colorado Mortgage
Loan Originator Licensing and
Mortgage Company Registration Act
Both
Residential mortgage loans
A dwelling or residential real
estate upon which is (or is
intended to be) constructed 1-to-4 family dwelling
units
Within 3 business days after receipt of a
loan application or any money from a
borrower
Colo. 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 Act
12 CFR Pt. 1026, App. H; Form H-3
Property of DocuTech Corporation Page 37
Colorado(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing Requirement Legal Reference Specific Language
Required
ClosingAssignment Sale
or Transfer of Servicing
Cx21 (Federal)Not specified, but
practically a creditorBoth
A consumer credit
transaction (a consumer loan)
Land
Not specified, but practically when an
assignment of rights is made
Colo. Rev. Stat. Ann. § 5-3-102
(West 2013)Uniform
Consumer Credit Code
12 CFR Pt. 1024, App. MS-2
Closing CO Notice to Cosigners Cx994 Not specified
Both
Consumer credit transaction (a
consumer loan)Land
Before or contemporaneously
with signing any agreement of
obligation or any writing setting forth
the terms of the agreement
Colo. Rev. Stat. Ann. § 5-3-105
(West 2013)Uniform
Consumer Credit Code
No
Closing CO Balloon Note Disclosure Cx2793 A creditor
Consumer credit transaction (a
consumer loan)Land
At the time the transaction is entered
into
Colo. Rev. Stat. Ann. § 5-3-208
(West 2013)Uniform
Consumer Credit Code
No
Click here for Table of Contents
Property of DocuTech Corporation Page 38
Click here for Table of Contents
Connecticut(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure CT Private Mortgage Insurance Disclosure Cx1029 Mortgage lenders
BothFirst mortgage
loan
1-to-4 family residential,
owner-occupied real property.
At the time the application is
filed
Conn. Gen. Stat. Ann. § 36a-
726(a) (West 2013)
No
Initial DisclosureCT Real Estate
Broker/Salesperson Disclosure
Cx3589
A real estate broker who receives
compensation for the sale of residential real
property.Brokers
First mortgage loan
1-to-4 family residential real
estate
Prior to the buyer’s signing a broker contract
Conn. Gen. Stat. Ann. § 20-
325c(b) & (c) (West 2013)
Statutory
Initial Disclosure Anti-Coercion Insurance Cx3750
Either: (1) a mortgage lender; or (2) a person
Both
Either: (1) a mortgage loan; or (2) a loan of
money or extension of
credit
Residential real estate Not specified
Conn. Gen. Stat. Ann. §§ 36a-757 & 38a-816(11) (West 2013)
No
Initial Disclosure
CT Agreement Concerning
Nonrefundability of Advance Fees
Cx3751
A mortgage lender, correspondent lender,
or mortgage broker, licensed under Chapter
668, Title 36A of Connecticut’s General
Statutes.Both
Residential mortgage loans
A 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 fee
Conn. Gen. Stat. Ann. § 36a-
498(c) (West 2013)
Partial Statutory
Property of DocuTech Corporation Page 39
Connecticut(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureCT Notice of Right to
Receive Copy of Appraisal
Cx3752 A financial institutionBoth Mortgage loan
1-to-4 family residential real
property, including a
condo
No later than 10 days after receipt
of an appraisal report, but
before consummation
Conn. Gen. Stat. Ann. § 36a-755(b) & (c) (West 2013)
No
Initial DisclosureCT Disclosure
Regarding Legal Representation
Cx3753 A creditorBoth
A first lien mortgage loan
1-to-4 family residential real
property
When an application is
filed
Conn. Gen. Stat. Ann. § 49-6d (West 2013)
No
Initial Disclosure CT Interim Financing Disclosure Cx3754
A creditor who has a policy of not offering
interim financingLenders
A first lien mortgage loan
1-to-4 family residential real
property
At the time when an application is
filed
Conn. Gen. Stat. Ann. § 49-6a(b) No
Initial Disclosure Tangible Net Benefit Worksheet Cx12531
Either: (1) a lender (i.e. any person who
originates one or more high cost home loans;
or (2) a lender or a mortgage broker
Both
Either: (1) a high cost home loan
which refinances another loan; or (2) a nonprime
home loan which refinances a
mortgage
1-to-4 family residential real property that is
(or is intended to be) occupied by the borrower as
a principal residence
Not specified
Conn. Gen. Stat. Ann. §§ 36a-
746e(8) & 36a-760g(b) (West
2013)Connecticut
Abusive Home Loan Lending Practices Act
No
Initial Disclosure CT High Cost Home Loan Disclosure Cx13002
A lender ((i.e. any person who originates one or more high cost
home loans)Both
A high cost home loan
1-to-4 family residential real property that is
(or is intended to be) occupied by the borrower as
a principal residence
Not specified, but practically
before consummation
Conn. Gen. Stat. Ann. § 36a-746b
(West 2013)Connecticut
Abusive Home Loan Lending Practices Act
Partial Statutory
Property of DocuTech Corporation Page 40
Connecticut(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure Addendum to Loan Application Cx13441 Not specified
Both Not specified Not specifiedNot specified,
but practically at application
Kerrigan v. Commissioner of
Public Health, 957 A.2d 407 (Conn. 2008)
No
Initial Disclosure CT Nonprime Home Loan Disclosure Cx14773
A lender licensed under Chapter 668
(Conn. Gen. Stat. Ann. §§36a-485 to 36a-
498a), including most banks and credit
unions.Both
Nonprime 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 residence
No later than 3 business days
after receipt of a completed application
Conn. Gen. Stat. Ann. §§ 36a-
760a(c) & 36a-760d(3) (West
2013)
No
Initial DisclosureCT Higher Interest Rate In Lieu of PMI
DisclosureCx14798 A mortgage lender
Both
A first mortgage loan, made to an
individual, wherein the interest rate
exceeds an 80% LTV ratio
1-to-4 family residential,
owner-occupied real property
At the time the application is
filed
Conn. Gen. Stat. Ann. § 36a-
726(b) (West 2013)
No
Initial Disclosure CT Mortgage Rate Lock-In Confirmation Cx15855
A mortgage lender or correspondent lender licensed under Conn.
Gen. Stat. Ann. §§36a-485 to 36a-498a.
Lenders
A first mortgage loan
A 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)
No
Property of DocuTech Corporation Page 41
Connecticut(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Adverse Action
Addendum to Statement of Credit Denial, Termination,
or Change
Cx15905 Financial institutionsBoth
A 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 application
Conn. Agencies Regs. § 36a-744-
7(b) (2013)Home Mortgage
Disclosure Act
Statutory
Initial Disclosure, Processing,
Underwriting, & Closing
NMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan
Application
On Cx4193 (
FNMA/FHLMC)
A mortgage loan originator, loan
processor, or underwriter
Both
A residential mortgage loan
A dwelling or residential real
estate upon which is, or will be, a dwelling (defined in 15 USCA §1602)
At application Conn. Gen. Stat. Ann. § 36a-498d
FNMA 1003 Form - Uniform
Residential Loan Application
Closing CT Loan Payoff Disclosure Statement Cx16059 A notification agent
Both
A residential real estate
transaction involving the payoff of a
mortgage loan
A 1-to-4 family dwelling
Within 2 business days
from the date of completion of
the closing
Conn. Gen. Stat. Ann. § 49-10b(b)
(West 2013)Statutory
Click here for Table of Contents
Property of DocuTech Corporation Page 42
Click here for Table of Contents
Delaware(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure DE Broker Agreement Cx3583
A mortgage broker, acting as such, licensed
under Chapter 21, Title 5 (Del. Code Ann. §§ 2101 through 2119)
Brokers
A mortgage loan
1-to-4 family residential,
owner-occupied property
Prior to the time that brokerage
services are provided
Del. Code Ann. tit. 5, § 2113
(West 2013); 5 Del. Admin. Code § 2104-2.0 (2013)
Partial Administrative
Initial DisclosureDE Mortgage Loan
Broker Regulations
Cx3593
A licensee under Chapter 21, Title 5 (Del. Code Ann. §§
2101 through 2119)Brokers
A mortgage loan
1-to-4 family residential,
owner-occupied property
At the time application is
made
5 Del. Admin. Code § 2103-1.0
(2013)Administrative
Initial Disclosure Anti-Coercion Insurance Cx3750
Either: (1) a person; or (2) a mortgagee or
obligeeBoth
Either: (1) a loan of money; or (2)a mortgage or
other instrument given for the purpose of
creating a lien on real property
Real property, including 1-to-4 family residential
properties
Not specified
Del. Code Ann. tit. 18, § 2305 & tit. 25, § 2119(b)
(West 2013)
No
Initial DisclosureDE Licensed
Lenders Regulations
Cx3845A licensee under
Chapter 22, Title 5Lenders
Either: (1) a revolving credit
plan; or (2) a loan (closed end
credit)
Not specifiedAt the time that
application is made
Del. Code Ann. tit. 5, §§ 2218(a)
(6) & 2231(3) (West 2013); 5
Del. Admin. Code § 2203-1.0 (2013)
Administrative
Initial Disclosure Addendum to Loan Application Cx13441 Not specified
Both Not specified Not specifiedNot specified, but
practically at application
Del. Code Ann. tit. 13, § 212(a)
(West 2013)No
Property of DocuTech Corporation Page 43
Delaware(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureDE Mortgage Loan
Commitment Letter
Cx15752 A qualified lenderBoth A mortgage loan
A 1-to-4 family residential,
owner-occupied property
Before a mortgage broker licensed under
Chapter 21, Title 5 receives an
application fee or any bona fide
third party fees
Del. Code Ann. tit. 5, § 2115 (West 2013)
No
Initial Disclosure, Processing,
Underwriting, & Closing
NMLS Unique Identifier
Disclosed on 1003 Uniform
Residential Loan Application
On Cx4193 (
FNMA/FHLMC)
Any person originating a residential mortgage
loanBoth
A 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 such a dwelling
On the application
Del. Code Ann. tit. 5, § 2420 (West 2013)
Delaware S.A.F.E. Mortgage
Licensing Act of 2009
FNMA 1003 Form - Uniform Residential
Loan Application
Click here for Table of Contents
Property of DocuTech Corporation Page 44
Click here for Table of Contents
District of Columbia
(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Disclosure Required
Initial DisclosureAnti-Coercion
Insurance Disclosure
Cx2778
A person who lends money or extends
credit and who solicits insurance on real
propertyBoth
A credit extension Real property Not specified
D.C. Code Ann. § 31-2231.20(c)
(2012)No
Initial Disclosure DC Financing Agreement Cx3633
A licensee under Chapter 11, Title 26
(D.C. Code Ann. §§ 26-1101 through 26-
1121), but must be executed by a licensed
lenderBoth
A mortgage loan
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, specifically a 1-to-
4 family home
At least 72 hours before the time
of settlement
D.C. Code Ann. § 26-1113(a) (2012) No
Property of DocuTech Corporation Page 45
District of Columbia
(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Disclosure Required
Initial DisclosureDC Red Flag
Warning Disclosure Notice
Cx4245A lender or a mortgage
brokerBoth
A 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 dwelling
At least 3 business days
prior to closing
D.C. Code Ann. § 26-1152.11 & 26-1152.19 (2012); D.C. Mun. Regs. Tit. 26C, §§2005 & 2099 (2013)
Home Loan Protection Act of
2002
Administrative
Initial Disclosure DC Disclosure of Dual Capacity Cx5072
A mortgage broker licensed under Chapter
11, Title 26 (§§ 26-1101 through 26-1121) who is acting in a dual
capacityBrokers
A mortgage loan
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
At the time brokerage
services are first offered
D.C. Code Ann. § 26-1114(b)(3)
(2012)Statutory
Property of DocuTech Corporation Page 46
District of Columbia
(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Disclosure Required
Initial Disclosure DC Lock-In Agreement Cx10455
A licensed mortgage lender under Chapter 11, Title 26 (D.C. Code
Ann. §§ 26-1101 through 26-1121)
Both
A mortgage loan
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
Not specified
D.C. Mun. Regs. tit. 26-C, §§
1117.4, 1117.5, & 1117.6 (2013)
No
Initial Disclosure DC Mortgage Disclosure Form Cx13354
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 lenderBoth
A 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
dwelling
Within 3 business days of an application
D.C. Code Ann. § 26-1113(a-1)
(2012) Statutory
Initial Disclosure Addendum to Loan Application Cx13441 Not specified
BothA mortgage or deed of trust Not specified Not specified
D.C. Code Ann. §§ 15-502 & 46-401
(2012)No
Property of DocuTech Corporation Page 47
District of Columbia
(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Disclosure Required
Initial DisclosureDC Spanish Mortgage
Disclosure Form
Cx15561 (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 lenderBoth
A 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
dwelling
Within 3 business days of an application
D.C. Code Ann. § 26-1113(a-1)(8)
(b) (2012)Statutory (Spanish)
Initial Disclosure Cost of Insurance Disclosure
Cx16488 (upon request)
A lenderLenders
Either: (1) a covered loan; or
(2) a loan or financial
transaction
Either: (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) property
At least 3 days before closing
D.C. Code Ann. §§ 26-1152.03 and 28-3311(a)(4) &
(a)(5) (2012)Home Loan
Protection Act of 2002
No
Initial Disclosure, TILA Redisclosure, &
Closing
Initial Truth-in-Lending
Disclosure, ARM Disclosure –
Lender, and other TILA Disclosures
Cx1591 (Federal), Cx14089
(Federal), and other TILA Disclosures
A lenderLenders
A loan, financial, or consumer
credit transaction
Residential real property
Prior to execution of the loan or
financial transaction
D.C. Code Ann. § 28-3301(f)(3)
(2012)Home Loan
Protection Act of 2002
12 CFR Pt. 1026, App. H
Property of DocuTech Corporation Page 48
District of Columbia
(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Disclosure Required
Initial Disclosure, Processing, TILA
Redisclosure, Underwriting, &
Closing
Various Federal disclosures used
to fulfill loan application disclosure
requirements
Cx1591 (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)
Both
A mortgage loan
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, specifically a 1-to-
4 family home
On or with the application
D.C. Mun. Regs. tit. 26-C, § 1116
(2012)
12 CFR Pts. 1024, App. C & 1026, App.
H
FNMA 1003 Form - Uniform Residential
Loan Application
Initial Disclosure & Closing
Waiver of 72 Hour Notice
Cx8268 (upon request)
A licensee under Chapter 11, Title 26
(D.C. Code Ann. §§ 26-1101 through 26-1121)
Both
A mortgage loan
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, specifically a 1-to-
4 family home
Prior to execution of the financing
agreement
D.C. Code Ann. § 26-1113(b)(2)
(2012)No
Property of DocuTech Corporation Page 49
District of Columbia
(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Disclosure Required
Initial Disclosure & Closing
DC Nonresident Borrower
Confirmation
Cx17181 (upon request)
A lenderBoth A 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 dwelling
Before a co-borrower, who
does not own or reside in the
subject property, is added to a covered loan
D.C. Code Ann. § 26-1152.02(a)(4)
(2012)Home Loan
Protection Act of 2002
No
ClosingDC Escrow
Account Disclosure
Cx1026
Either: (1) a licensed mortgage lender under
Chapter 11, Title 26 of the District’s Code; or
(2) a lender
Either: (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 value
Either: (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
property
On the date of execution of the loan or financial
transaction
D.C. Code Ann. §§ 26-1115(b) & 28-3301(f)(2) (2012)
No
Property of DocuTech Corporation Page 50
District of Columbia
(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Disclosure Required
Closing HELOC Deed of Trust – DC Cx1340 Not specified
BothA credit line deed
of trust
Single family residential
property used for non-transient
residential purposes
On the deed of trust
D.C. Code Ann. § 42-2302 (2012) Partial Statutory
Closing
DC Real Property Recordation and
Transfer Tax Forms FP 7/C &
DC Real Property Recordation and
Transfer Tax Addendum
Cx2485 & Cx16282 (upon
request)
Not specifiedBoth Not specified Real property At the time of
recording
D.C. Mun. Regs. tit. 9, §§ 335, 337
& 338 (2013)District of
Columbia Real Property Tax
Revision Act of 1974
Form FP 7/C
Form FP7CA
Closing DC Final Financing Agreement Cx13979
A licensee under Chapter 11, Title 26
(D.C. Code Ann. §§ 26-1101 through 26-1121)
Both
A mortgage loan
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, specifically a 1-to-
4 family home
At least 72 hours prior to closing,
unless the borrower signs a
waiver
D.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)
No
Click here for Table of Contents
Property of DocuTech Corporation Page 51
Click here for Table of Contents
Florida(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure FL Anti-Coercion Insurance Notice Cx2834
A person, particularly a lenderBoth
An extension of credit or a loan Not specified
When negotiations begin
and before application
Fla. Stat. Ann. § 626.9551(1) (West 2012); Fla. Admin. Code Ann. r. 69B-
124.002, 69B-124.013 , 69O-124.002, & 69O-
124.013 (2013)Unfair Insurance Trade
Practices Act
Administrative
Initial Disclosure FL Application Disclosure Cx3421 A mortgage lender
Lenders A mortgage loan
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
units
Before accepting an application, credit report,
appraisal, or other third-party fee
Fla. Stat. Ann. § 494.0068(1) (West
2012) No
Property of DocuTech Corporation Page 52
Florida(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureFL Mortgage
Broker Agreement
Cx3474
A licensed mortgage broker under Part 2 of Chapter 494, Title 33
(Fla. Stat. Ann. §§ 494.003 through
494.0043)Brokers
A mortgage loan
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
units
Within 3 business days after the loan
application is accepted
Fla. Stat. Ann. §§ 494.0038 & 494.00421
(West 2012); Fla. Admin. Code r. 69V-
40.008 & 69V-40.175(2)(a) (2013)
No
Initial DisclosureFL Notice to Purchaser – Mortgagor
Cx4131
Agents, employees, officials of lending, or
other institutionsBoth
Not specified, but practically a purchase money
loan
Not specified Not specified
Fla. Stat. Ann. § 627.798 (West 2012); Fla. Admin. Code Ann. r. 69O-186.002 (2013)
Administrative
Property of DocuTech Corporation Page 53
Florida(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure FL Broker Disclosure Cx4133
A licensed mortgage broker under Part 2 of Chapter 494, Title 33
(Fla. Stat. Ann. §§ 494.003 through
494.0043)Brokers
A mortgage loan
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
units
At the time a mortgage
agreement is signed or a typical
advance fee is accepted, but at least 3 business
days before execution of
closing
Fla. Stat. Ann. § 494.0038(3) (West
2012)No
Initial DisclosureFL Fair Lending Act – High Cost
Loan NoticeCx4503 Not specified
BothA high-cost home loan
A consumer’s principal dwelling,
consisting of 1-to-4 family
housing units, or individual condo
or co-op units
Not less than 3 business days
prior to consummation
Fla. Stat. Ann. § 494.00792(1)(c) (West
2012)Florida Fair Lending
Act
Statutory
Property of DocuTech Corporation Page 54
Florida(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureFL Conflict of
Interest Disclosure
Cx4550
A licensee under Chapter 494 of
Florida’s Annotated Statutes (Fla. Stat. Ann.
§§ 494.001 through 494.121)
Both
A mortgage transaction,
presumably a mortgage loan
Not 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
units
Not specified
Fla. Stat. Ann. § 494.0023 (West 2012);
Fla. Admin. Code r. 69V-40.260(2)(f)
(2013)
No
Initial Disclosure
FL High-Cost Home Loan Notice to Borrower
Cx5282 A lenderBoth
A high-cost home loan
A consumer’s principal dwelling,
consisting of 1-to-4 family
housing units, or individual condo
or co-op units
Not less than 3 business days
prior to consummation
Fla. Stat. Ann. § 494.00792(1)(a) (West
2012)Florida Fair Lending
Act
Statutory
Initial Disclosure FL Credit Life Disclosure Cx7225
A creditor agent or agent
Lenders
An installment loan or a home equity line of
credit
Not specifiedBefore any credit life insurance may
be sold
Fla. Stat. Ann. § 627.679(1)(c) (West
2012)No
Property of DocuTech Corporation Page 55
Florida(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureTangible Net
Benefit Worksheet
Cx12531 (upon
request)
A lenderBoth
A loan which refinances a
high-cost home loan which has
been in existence for 18 months or less
A consumer’s principal dwelling,
consisting of 1-to-4 family
housing units, or individual condo
or co-op units
Not specified
Fla. Stat. Ann. § 494.00791(9) (West
2012)Florida Fair Lending
Act
No
Initial Disclosure FL Interest Rate Lock Agreement Cx13498
A 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 broker
Both
A mortgage loan
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
units
Not specified
Fla. Stat. Ann. § 494.0069 (West 2012);
Fla. Admin. Code r. 69V-40.155 & 69V-40.260 (2)(d) (2013)
No
Initial Disclosure
FL High Cost Loan Prepayment
Penalty Disclosure
Cx15133 A lenderBoth
A high-cost home loan
A consumer’s principal dwelling,
consisting of 1-to-4 family
housing units, or individual condo
or co-op units
At least 3 business days prior to the
loan consummation
Fla. Stat. Ann. § 494.00791(1)(b)(2)
(West 2012)Florida Fair Lending
Act
No
Property of DocuTech Corporation Page 56
Florida(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureGood Faith
Estimate 01-01-10
Cx14221 (Federal)
A licensed mortgage lender under Part 3 of Chapter 494, Title 33
(Fla. Stat. Ann. §§ 494.006 through
494.0077)Both
A mortgage loan
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
units
Within 3 business days after a
licensee under Part III, Chapter 494 of Florida’s
Annotated Statues receives a written loan application.
Fla, Stat. Ann. § 494.0067(8) (West 2012); Fla. Admin.
Code r. 69V-40.260(2)(a) (2013)
12 CFR Pt. 1024, App. C
Initial Disclosure & TILA Redisclosure
Disclosure of APR and Monthly Payments on
Truth-in-Lending Disclosure
On Cx1591 (Federal)
A lenderBoth
A high-cost home loan
A consumer’s principal dwelling,
consisting of 1-to-4 family
housing units, or individual condo
or co-op units
Not less than 3 business days
prior to consummation
Fla. Stat. Ann. § 494.00792(1)(b) (West
2012)Florida Fair Lending
Act
12 CFR Pt. 1026, App. H; Form H-2
Property of DocuTech Corporation Page 57
Florida(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure & TILA Redisclosure
Initial Truth-in-Lending
Disclosure
Cx1591 (Federal) &
CHARM Booklet
(Federal)
A licensed mortgage broker under Part 2 of Chapter 494, Title 33
(Fla. Stat. Ann. §§ 494.003 through
494.0043)Both
A mortgage loan
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
units
At the time when an adjustable rate mortgage loan is
offered and whenever the
terms of such loan materially changes
before closing
Fla. Stat. Ann. § 494.0038(4) (West
2012)
12 CFR Pt. 1026, App. H; Form H-2
Initial Disclosure, Processing, TILA Redisclosure, &
Closing
FL Disclosure of Material Change
Cx12926 (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)Both
A mortgage loan
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
units
Within 3 business days of being
made aware of any changes, but
at least 3 business days before
signing of the closing statement
Fla. Stat. Ann. §§ 494.004(2) &
494.0067(10) (West 2012)
No
Property of DocuTech Corporation Page 58
Florida(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Closing
Right to Cancel – NOT a Refi. With Original Lender
Forms
Cx8204 (Federal), Cx8205
(Federal), & Cx8206
(Federal)
A creditor A high-cost home loan
A consumer’s principal dwelling,
consisting of 1-to-4 family
housing units, or individual condo
or co-op units
Not less than 3 business days
prior to consummation
Fla. Stat. Ann. § 494.00792(2)(d) (West
2012)Florida Fair Lending
Act
12 CFR Pt. 1026, App. H, Forms H-8
& H-9
Closing Florida Radon Gas Notification
Cx9541 (upon request)
Not specifiedBoth Not specified A building
At 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 Act
Statutory
ClosingFL Telephone Re-
Disclosure Certification
UR A lenderBoth
A high-cost home loan
A consumer’s principal dwelling,
consisting of 1-to-4 family
housing units, or individual condo
or co-op units
At consummation
Fla. Stat. Ann. § 494.00792(2)(c)(2)(b)
(West 2012)Florida Fair Lending
Act
No
Click here for Table of Contents
Property of DocuTech Corporation Page 59
Click here for Table of Contents
Georgia(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure
Acknowledgment of Receipt of Good Faith Estimate and
Good Faith Estimate 01-01-10
Cx879 (upon request) & Cx14221 (Federal)
A licensed or registered lender or
broker under the Georgia Residential
Mortgage ActBoth
A mortgage loan
A 1-to-4 family residential
property, which is the primary residence of a
natural person, but does not include rental
property or second homes
Within 3 business days after the application is
received
Ga. Code Ann. § 7-1-1014(2)
(West 2012);Ga. Comp. R. & Regs. r. 80-11-1-.01(6) & (7)
(2013)Georgia
Residential Mortgage Act
12 CFR Pt. 1024, App. C
Initial DisclosureAnti-Coercion
Insurance Disclosure
Cx2778An insurer or agent of
sameBoth
A financing of real property Real property Not specified
Ga. Code Ann. § 33-6-4(b)(11) (West 2012)
Georgia Insurance Code
No
Property of DocuTech Corporation Page 60
Georgia(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureAdvanced
Fee/Application Disclosure
Cx2783
A licensee or registrant under the Georgia
Residential Mortgage Act
Both
Either: (1) a mortgage loan;
or (2) a residential
mortgage loan
Either: (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 units
Before accepting any application,
property appraisal, credit
report, or any other third-party
fee
Ga. Code Ann. § 7-1-1014(1)
(West 2012); Ga. Comp. R. & Regs. r. 80-11-1-.01(1)
& (4) (2013)Georgia
Residential Mortgage Act
No
Initial Disclosure Right to Choose Attorney Cx3846 Not specified
Both
Not 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 dwelling
Not specified
Ga. Code Ann. § 7-6A-2(12)(B) &
(G)(ii) (West 2012)
Georgia Fair Lending Act
No
Property of DocuTech Corporation Page 61
Georgia(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureGA Disclosure of
Net Tangible Benefit
Cx4235 A creditorBoth
A high-cost home loan which
refinances a special home
loan consummated
with the prior 5 years
Real estate upon which is located a
1-to-4 family, borrower-occupied
principal dwelling
Not specified
Ga. Code Ann. § 7-6A-4 (West
2012)Georgia Fair Lending Act
No
Initial Disclosure GA Lock-In Agreement
Cx15969 (upon request)
A licensed or registered lender or
broker under the Georgia Residential
Mortgage ActBoth
A mortgage loan
A 1-to-4 family residential
property, which is the primary residence of a
natural person, but does not include rental
property or second homes
Not specified
Ga. Code Ann. §§ 7-1-1000(16), 7-1-1021, & 13-5-
30(7) (West 2012)
Georgia Residential
Mortgage Act
No
Initial Disclosure, Processing,
Underwriting, & Closing
NMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan
Application
On Cx4193 (FNMA/FHLMC)
An person originating a residential mortgage
loanBoth
A 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
dwelling, consisting of 1-
to-4 units
On the application
Ga. Code Ann. § 7-1-1004.3 (West
2012)Georgia
Residential Mortgage Act
FNMA 1003 Form - Uniform Residential
Loan Application
Property of DocuTech Corporation Page 62
Georgia(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
ClosingOn all Notes and Georgia Security
Deeds
On Cx5 (
FNMA/FHLMC), all other Notes,
and Cx318 (FNMA/FHLMC), 371 (FHA), 477, and 1406
Not specifiedBoth
A high-cost home loan
Real estate upon which is located a
1-to-4 family, borrower-occupied
principal dwelling
Not specified
Ga. Code Ann. § 7-6A-5(15) (West
2012)Georgia Fair Lending Act
Statutory
FNMA Form 3200FNMA Form 3011
ClosingGA Affidavit of
Exemption Form Withholding Seller
Cx1010 Not specifiedBoth
A sale or transfer of real property
of $20,000 or more.
Real property Not specified
Ga. Code Ann. § 48-7-128 (West
2012); Ga. Comp. R. & Regs. r. 560-7-8-.34 & 560-7-
8-.35 (2013)Georgia Public Revenue Code
Form AFF3 Seller's Certificate of Exemption
Closing GA Foreclosure Disclosure Cx1011
Either: (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 transaction
Both
A mortgage loan
A 1-to-4 family residential
property, which is the primary residence of a
natural person, but does not include rental
property or second homes
At or before the time of closing
Ga. Code Ann. § 7-1-1014(3)
(West 2012); Ga. Comp. R. & Regs. r. 80-11-1-.01(8)
(2013)Georgia
Residential Mortgage Act
Administrative
Property of DocuTech Corporation Page 63
Georgia(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
ClosingGA Application for
Homestead Tax Exemption
Cx1016 Not specifiedBoth Not specified A homestead Not specified
Ga. Code Ann. §§ 48-5-44 & 48-5-45 (West 2012)Georgia Public Revenue Code
Application for Homestead Exemption
ClosingGA Fair Market Property Values
AffidavitCx15037 The holder of the note
Both
A 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 note
Real property located in more than one county
At recording
Ga. Code Ann. § 48-6-69(a) (West
2012)Georgia Public Revenue Code
No
Click here for Table of Contents
Property of DocuTech Corporation Page 64
Click here for Table of Contents
Hawaii(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureAnti-Coercion
Insurance Disclosure
Cx2778
Every person who lends money or
extends credit and who solicits insurance.
Both
A loan of money or an extension of
creditNot specified Not specified
Haw. Rev. Stat. Ann. § 431:13-104(c) (West
2012)Insurance Code
No
Initial Disclosure Addendum to Loan Application Cx13441 Not specified
Both Not specified Not specifiedNot specified, but
practically at application
Haw. Rev. Stat. § 572B-9 (West
2012)No
Initial DisclosureHI Public
Information Notice
Cx16995
A financial institution, mortgagee, lender,
business entity, organization, or person who intends to use the
power of sale foreclosure
Both
A loan secured by residential property
Residential property
Within 3 business days after the application is submitted or
within 3 business days after the
property is required to be
secured
Haw. Rev. Stat. § 667-41 (West
2012)Statutory
Initial Disclosure HI Commitment Agreement UR A lender
Lenders
A loan or extension of
creditNot specified Before soliciting
insurance
Haw. Rev. Stat. § 431:13-104(b)(1)
(West 2012)Insurance Code
No
Initial Disclosure HI Credit Life Insurance UR A creditor
Lenders
Any indebtedness in which credit
life insurance or credit disability
insurance is required, which
has a duration of 10 years or less
Not specified
When credit life insurance or
credit disability insurance is
required.
Haw. Rev. Stat. § 431:10B-112 (West 2012)
Insurance Code
No
Property of DocuTech Corporation Page 65
Hawaii(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure, TILA Redisclosure, &
Closing
Initial and Closing Truth-in-Lending
Disclosures
Cx18 (Federal) & Cx1591 (Federal)
Either: (1) a financial services loan company;
or (2) a creditorBoth
Either: (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
lien
Not specified, but includes real
property used as the borrower’s
principal dwelling
Various times
Haw. Rev. Stat. §§ 412:9-302 & 478-4(b) (West 2012)
12 CFR Pt. 1026, App. H; Form H-2
Initial Disclosure, Processing,
Underwriting, & Closing
NMLS Unique Identifier
Disclosed on 1003 Uniform
Residential Loan Application
On Cx4193 (
FNMA/FHLMC)
Any person originating a residential mortgage
loanBoth
Residential mortgage loan
A dwelling (as defined in Section 103[v] of TILA) or
residential real estate, upon
which a dwelling is (or is intended
to be) constructed
On the application
Haw. Rev. Stat. Ann. § 454F-19
(West 2012)Secure and Fair Enforcement for
Mortgage Licensing Act
FNMA 1003 Form - Uniform Residential
Loan Application
Click here for Table of Contents
Property of DocuTech Corporation Page 66
Click here for Table of Contents
Idaho(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureID Mortgage
Banker Application
Cx2688
A licensee under the Idaho Residential
Mortgage Practices Act (Idaho Code Ann. §§
26-31-101 through 26-31-321)
Both
A residential mortgage loan or
a loan modification
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
Upon receipt of application, but before receiving any money from
a borrower
Idaho Admin. Code r.
12.01.10.050(1) (2013)
Idaho Residential Mortgage
Practices Act
Idaho-required Model Application
Forms and Disclosures
Initial DisclosureAnti-Coercion
Insurance Disclosure
Cx2778
A person engaged in the business of
financing the purchase of real property.
Both
Purchase loan Real property Not specified
Idaho Code Ann. §§ 41-1310 & 41-1312 (West 2013)Idaho Insurance
Code
No
Initial DisclosureID Interest Rate
Lock/Float Information
Cx2789
A licensee under the Idaho Residential
Mortgage Practices Act (Idaho Code Ann. §§
26-31-101 through 26-31-321)
Both
A residential mortgage loan
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
At the time of application
Idaho Admin. Code r.
12.01.10.050 (3) & (4) (2013)
Idaho Residential Mortgage
Practices Act
Idaho-required Model Application
Forms and Disclosures
Property of DocuTech Corporation Page 67
Idaho(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure ID Prepayment Penalty Disclosure Cx3770
Either: (1) a creditor; or (2) a licensee under the Idaho Residential
Mortgage Practices Act (Idaho Code Ann. §§
26-31-101 through 26-31-321)
Both
Either: (1) a regulated
consumer credit transaction; or (2)
a residential mortgage loan
Either: (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 dwelling
Within 3 business days of receipt of
an application
Idaho 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 Act
Idaho-required Model Application
Forms and Disclosures
Initial Disclosure
ID Interest Rate Lock-In
Confirmation Agreement
Cx14157
A licensee under the Idaho Residential
Mortgage Practices Act (Idaho Code Ann. §§
26-31-101 through 26-31-321)
Both
A residential mortgage loan
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
Within no more than 3 business
days after entering into a
lock-in agreement
Idaho Code Ann. § 26-31-211(9) (West 2013); Idaho Admin.
Code r. 12.01.10.050(4)
(2013)Idaho Residential
Mortgage Practices Act
Idaho-required Model Application
Forms and Disclosures
Initial Disclosure ID Commitment Agreement
Cx16367 (upon request)
A person or entity engaged in the
business of lending money or extending
creditBoth
A loan of money or an extension of credit of $50,000
or more.
Not specified Not specifiedIdaho Code Ann. § 9-505(5) (West
2013)No
Property of DocuTech Corporation Page 68
Idaho(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure, TILA Redisclosure, &
Closing
Initial Truth-in-Lending
Disclosure and Good Faith
Estimate 01-01-10
Cx18 (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.)
Both
Either: (1) a residential
mortgage loan; or (2) a credit transaction
subject to the Federal
Consumer Credit Protection Act
Either: (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 specified
Various times
Idaho 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 Act
12 CFR Pt. 1024, App. C; Pt. 1026, App. H; Form H-2
Initial Disclosure, Processing,
Underwriting, & Closing
NMLS Unique Identifier
Disclosed on 1003 Uniform
Residential Loan Application
On Cx4193 (
FNMA/FHLMC)
Any person engaged in the origination of a
residential mortgage loanBoth
A residential mortgage loan
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
On the application
Idaho Code Ann. § 26-31-320 (West 2013)
Idaho S.A.F.E. Mortgage
Licensing Act
FNMA 1003 Form - Uniform Residential
Loan Application
Initial Disclosure & Closing
ID Reserve Account
DisclosureCx10170 A mortgage company
Both
A residential mortgage loan, in
which an impound or
escrow account is maintained
Residential real property Not specified
Idaho Code Ann. § 26-2807 (West
2013)Mortgage
Company Act
No
Property of DocuTech Corporation Page 69
Idaho(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure & Closing
Good Faith Estimate 01-01-10 and HUD-1 01-01-
10
Cx14221 (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)Both
A residential mortgage loan
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
Before accepting any fees at
closing
Idaho Code Ann. § 26-31-317(19)
(West 2013)Idaho S.A.F.E.
Mortgage Licensing Act
12 CFR Pt. 1024, App. A & C
Click here for Table of Contents
Property of DocuTech Corporation Page 70
Click here for Table of Contents
Illinois(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure IL Right to Choose Title Cx1097
A person, firm, corporation,
partnership, or association which may extend credit or make
a loan.Both
An extension of credit or a loan secured by an interest in real
estate
Real 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 beneficiary
Not specified
815 Ill. Comp. Stat. Ann. 505/2T (West
2013)Consumer Fraud and Deceptive
Business Practices Act
No
Initial DisclosureIL Borrower Information Document
Cx1206
A licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat.
Ann. 635)Both
A 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
dwelling
Before 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 1987
Partial Administrative
Property of DocuTech Corporation Page 71
Illinois(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureIL Mortgage
Escrow Account Act
Cx1207
A licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat.
Ann. 635)Both
A 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 established
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, but
which is also a single-family
security, owner-occupied real
estate
Before 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 1987
Mostly Statutory
Initial DisclosureIL Mortgage Awareness
Program NoticeCx1902 A lender
BothA high risk home
loan
A borrower’s principal residence
Prior to making a high risk home
loan
815 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 Act
Notice - Mortgage Awareness
Program
Initial DisclosureIL Mortgage Awareness
WaiverCx1903 A lender
BothA high risk home
loan
A borrower’s principal residence
No less than 2 business days
after the borrower
receives Cx1902
815 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 Act
Waiver of Participation in
Mortgage Awareness
Program
Property of DocuTech Corporation Page 72
Illinois(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureIL Loan Brokerage
Disclosure Statement
Cx1908
A licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat.
Ann. 635)Brokers
A 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
dwelling
Before 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 1987
No
Initial Disclosure IL Loan Brokerage Agreement Cx1909
A licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat.
Ann. 635) who perform loan
brokering servicesBrokers
A 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
dwelling
Before 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 1987
No
Initial DisclosureAnti-Coercion
Insurance Disclosure
Cx2778
A licensee under the Consumer Installment
Loan ActBoth
A loan between $500 and
$40,000, which has a greater rate
of interest or discount than allowed under
other laws
Real property Not specified
205 Ill. Comp. Stat. Ann. 670/15b (West 2013)
Consumer Installment Loan
Act
No
Property of DocuTech Corporation Page 73
Illinois(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureAdvanced
Fee/Application Disclosure
Cx2783
A licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat.
Ann. 635)Both
A 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
dwelling
Not specified
Ill. Admin. Code tit. 38, §§
1050.1335(a) & 1050.1340 (2013)
Residential Mortgage License
Act of 1987
No
Initial DisclosureIL Required
Underwriting Documentation
Cx4558
A licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat.
Ann. 635)Both
A 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
dwelling
At the time of application
Ill. Admin. Code tit. 38, § 1050.1120
(2013)Residential
Mortgage License Act of 1987
No
Initial Disclosure IL GFE Charges Paid by Seller Cx13000
A licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat.
Ann. 635)Both
A FHA-insured or VA-guaranteed
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
dwelling
At the time of application
Ill. Admin. Code tit. 38, § 1050.1320(b)
(2013)Residential
Mortgage License Act of 1987
No
Property of DocuTech Corporation Page 74
Illinois(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure IL Notice to Borrower 13001 A lender
BothA high risk home
loan
A borrower’s primary
residence
Before 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 Act
Statutory
Initial Disclosure Addendum to Loan Application Cx13441
Either: (1) not specified; or (2)
a licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat.
Ann. 635)Both
Either: (1) not specified; or (2)
a residential mortgage loan
Either: (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
dwelling
With forms furnished for application by
750 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 1987
No
Initial Disclosure IL Float/Rate-Lock Fee Agreement Cx14101
A licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat.
Ann. 635)Both
A 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
dwelling
Not specified, but practically before
closing
Ill. Admin. Code tit. 38, § 1050.1335(a)(2) (2013); Dep’t of
Fin. & Prof. Reg. Bulletin WD99/2
Residential Mortgage License
Act of 1987
No
Property of DocuTech Corporation Page 75
Illinois(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure
IL Pledged Time Deposit Account
Disclosure – Example
Cx14180
A licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat.
Ann. 635)Both
A residential mortgage loan, which is for the purchase of the
property, but which is not for
either FHA-insured or VA-
guaranteed
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 estate
Before an applicant signs
the application or gives the licensee
any consideration,
whichever comes first
765 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 1987
No
Initial Disclosure IL Loan Approval Notice
Cx14271 (upon request)
A licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat.
Ann. 635)Both
A 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
dwelling
Immediately upon approval of
a residential mortgage loan
application
Ill. Admin. Code tit. 38, § 1050.1305
(2013)Residential
Mortgage License Act of 1987
No
Initial Disclosure
High Cost Tangible Net
Benefit Worksheet
Cx15773 (upon request)
A lenderBoth
A high risk home loan
A borrower’s principal residence
Not specified
815 Ill. Comp. Stat. Ann. 137/45 (West
2013)High Risk Home
Loan Act
No
Property of DocuTech Corporation Page 76
Illinois(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureIL Notice of
Independent Review
Cx16096 A lenderBoth
A high risk home loan
A borrower’s primary
residenceNot specified
815 Ill. Comp. Stat. Ann. 137/125 (West 2013)
High Risk Home Loan Act
Notice of Independent
Review
Initial DisclosureIL Notice of
Material Change in Loan Terms
Cx16217 (upon request)
A licensee under the Residential Mortgage License Act of 1987
Both
A 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
dwelling
No later than 3 days after
learning of the change or 24 hours before
closing, whichever is
earlier
205 Ill. Comp. Stat. Ann. 635/5-9 (West
2013)Residential
Mortgage License Act of 1987
No
Initial DisclosureIL Disclosure of
Refinancing Options
Cx16232 (upon request)
A licensee under the Residential Mortgage License Act of 1987
Both
A 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
dwelling
When the subject of a future loan is
discussed
205 Ill. Comp. Stat. Ann. 635/5-12 (West 2013)Residential
Mortgage License Act of 1987
No
Property of DocuTech Corporation Page 77
Illinois(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Adverse Action & Closing
IL Failure to Close Disclosure Cx1013
A licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat.
Ann. 635)Both
A 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
dwelling
After a loan fails to close
Ill. Admin. Code tit. 38, § 1050.1355
(2013)Residential
Mortgage License Act of 1987
No
Initial Disclosure & Closing
IL Private Mortgage Insurance Disclosure
Cx1311 A mortgageeBoth
A mortgage, in connection with
which private mortgage
insurance may be required, but not FHA-insured or VA-guaranteed
loans
The principal, single family
residence of the mortgagor
Not specified
765 Ill. Comp. Stat. Ann. 930/15 (West
2013)Mortgage Insurance
Limitation and Notification Act
No
Initial Disclosure & Adverse Action
IL Failure to Qualify Notice Cx1603
A licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat.
Ann. 635)Both
A 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
dwelling
Immediately after determining that a borrower does not qualify
for the loan applied for and
the costs of another
recommended program
materially differ
Ill. Admin. Code tit. 38, § 1050.1230(a)
(2013)Residential
Mortgage License Act of 1987
No
Property of DocuTech Corporation Page 78
Illinois(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure & Adverse Action
IL Notice of Change Affecting
LoanCx1605
A licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat.
Ann. 635)Both
A 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
dwelling
When a notice is received from a
secondary market
underwriter, an investor, the
FHA, or the VA, that materially affects a loan in
process
Ill. Admin. Code tit. 38, § 1050.1230(b)
(2013)Residential
Mortgage License Act of 1987
No
Initial Disclosure, Processing,
Underwriting, & Closing
NMLS Unique Identifier
Disclosed on 1003 Uniform
Residential Loan Application
On Cx4193 (FNMA/FHLMC)
Any person originating a residential mortgage
loanBoth
A 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
dwelling
On the application
205 Ill. Comp. Stat. Ann. 635/7-14 (West 2013)Residential
Mortgage License Act of 1987
FNMA 1003 Form - Uniform
Residential Loan Application
Initial Disclosure & Closing
IL Notice of Material Facts
Cx16231 (upon request)
A mortgage broker, who is licensed under
the Residential Mortgage License Act of 1987 (205 Ill. Comp.
Stat. Ann. 635)Both
A 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
dwelling
Not specified
205 Ill. Comp. Stat. Ann. 635/5-7(a)(3)
(West 2013)Residential
Mortgage License Act of 1987
No
Property of DocuTech Corporation Page 79
Illinois(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
ClosingAssignment Sale
or Transfer of Servicing
Cx21 (Federal)
A licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat.
Ann. 635)Both
A 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
dwelling
Simultaneous with the transfer
of servicing
205 Ill. Comp. Stat. Ann. 635/3-7 (West
2013); Ill. Admin. Code tit. 38, §
1050.820 (2013)Residential
Mortgage License Act of 1987
12 CFR Pt. 1024, MS-2
ClosingHomestead Waiver in IL Mortgage
On Cx323 (
FNMA/FHLMC), Cx376 (FHA),
Cx481, & Cx1357
Not specified, but practically a mortgagee
Both
A loan secured by a mortgage A homestead In the mortgage
735 Ill. Comp. Stat. Ann. 5/12-904
(West 2013); 765 Ill. Comp. Stat.
Ann. 5/11 & 5/27 (West 2013)
Conveyances Act
Statutory
FNMA Form 3014
ClosingIL Escrow Account
Disclosure Agreement
Cx1012
A licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat.
Ann. 635)Both
A primary lien, residential
mortgage loan which provides for an escrow
account
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
At closing
Ill. Admin. Code tit. 38, § 1050.1360(b)
(2013)Residential
Mortgage License Act of 1987
No
Property of DocuTech Corporation Page 80
Illinois(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
ClosingIL Pledged Time Deposit Account
DisclosureCx1014
Either: (1) a mortgage lender; or (2) a
licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat.
Ann. 635)Both
Either: (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-
guaranteed
Either: (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 estate
At closing
765 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 1987
No
ClosingIL Collateral
Protection Act Notice
Cx1302 A creditorBoth
A credit transaction Property In or with the
credit agreement
815 Ill. Comp. Stat. Ann. 180/10(3)
(2013)Collateral
Protection Act
Statutory
ClosingIL Statement of
Borrowers Benefits
Cx1875 A financial institutionBoth
A refinancing loan
A borrower’s principal
residence, consisting of either 1-to-4
family units or a dwelling
consisting of condo or coop
units
Not specified
815 Ill. Comp. Stat. Ann. 120/2(e) & 120/3(e) (West
2013)Illinois Fairness in
Lending Act
No
Property of DocuTech Corporation Page 81
Illinois(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
ClosingIL Mortgage
Escrow Account Act Applicability
Cx14127
A 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)Both
A 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 made
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 estate
At closing
Ill. Admin. Code tit. 38, § 1050.1360(a)
(2) (2013)Residential
Mortgage License Act of 1987
No
ClosingIL Mortgage
Escrow Account Act
Cx16095
Not specified, but practically a mortgage
lenderLenders
A purchase loan A residence At closing
765 Ill. Comp. Stat. Ann. 910/11 (West
2013)Mortgage Escrow
Account Act
Mostly Statutory
Click here for Table of Contents
Property of DocuTech Corporation Page 82
Click here for Table of Contents
Indiana(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureAnti-Coercion
Insurance Disclosure
Cx2778Either: (1) a creditor; or (2) not specified
Both
Either: (1) a consumer loan, which generally
excludes first lien mortgage
transactions; or (2) a mortgage
loan
Either: (1) an interest in land
used (or expected to be used) as the debtor’s principal
dwelling; or (2) real property
Not specified
Ind. Code Ann. §§ 24-4.5-4-109 and 27-4-1-4(a)(9) & (12) (West 2012)
Uniform Consumer Credit Code - Insurance
No
Initial DisclosureIN Mortgage
Broker Agreement
Cx3828
Either: (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.Brokers
Either: (1) a residential
mortgage loan; or (2) a loan
A dwelling (as defined in Section 103[w] of TILA) or
residential real estate on which a dwelling is (or is intended to be)
constructed
Within 3 business days of the time
an application for a loan is made to
a licensee
Ind. 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 Agreement
Initial Disclosure IN Notice to Borrower Cx13003 A creditor
BothA high cost home
loan
Real 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)Statutory
Property of DocuTech Corporation Page 83
Indiana(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure IN Notice to Borrower Cx14601 A creditor
Both
A mortgage loan, including most of
the usual loans regulated by
Indiana law (see Ind. Code Ann. § 24-5-23.5-4 for
details)
Real property
Not later than 3 business days
after receiving a completed
written application
Ind. Code Ann. § 24-5-23.5-8 (West 2012)
Borrower Notice Form
Initial Disclosure Cost of Insurance Disclosure Cx16488 A lender
Lenders
A consumer loan, which generally
excludes first lien mortgage
transactions
An interest in land used (or
expected to be used) as the
debtor’s principal dwelling
Not specified, but practically before
charging for optional
consumer credit insurance
Ind. Code Ann. § 24-4.5-3-202(2)
(West 2012)Uniform
Consumer Credit Code - Loans
No
Initial Disclosure & TILA Redisclosure
Consumer Loan Information in
Truth-in-Lending Disclosures
In Cx18, Cx1591, and other TILA Disclosures
A lenderBoth A consumer loan
An interest in land used (or
expected to be used) as the
debtor’s principal dwelling
Various times
Ind. Code Ann. § 24-4.5-3-301(2)
(West 2012)Uniform
Consumer Credit Code - Loans
12 CFR Pt. 1026, App. H; Form H-2
Initial Disclosure, Processing,
Underwriting, & Closing
NMLS Unique Identifier
Disclosed on 1003 Uniform
Residential Loan Application
On Cx4193 (FNMA/FHLMC)
Either: (1) a licensee under the First Lien
Mortgage Lending Act – Miscellaneous; or (2)a person originating a mortgage transaction
Both
Either: (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
constructed
On the application
Ind. 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 - Miscellaneous
FNMA 1003 Form - Uniform Residential
Loan Application
Property of DocuTech Corporation Page 84
Indiana(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Closing
High Cost Home Loan Legend,
Document Preparation
Disclosure, and Social Security Redactment
Affirmation on IN Mortgage
On Cx324 (
FNMA/FHLMC), Cx377 (FHA),
Cx482, & Cx1381
Either: (1) not specified; or
(2) an individualBoth
Either: (1) a high cost home loan;
or (2) not specified
Either: (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 specified
Not specified, but practically at
closing
Ind. Code Ann. §§ 24-9-4-1(1)(6) & 36-2-7.5-5 (West
2012)
Statutory
FNMA Form 3015
Closing
IN Property Tax Benefits (THIS
FORM MUST BE PRINTED ON
YELLOW OR GOLD PAPER)
Cx14885Either: (1) a closing
agent; or (2) a lenderBoth
Either: (1) a first lien purchase
money mortgage or refinancing
transaction; or (2) a consumer loan, which generally
excludes first lien mortgage
transactions
Either: (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 units
Before closing a transaction
Ind. Code Ann. §§ 6-1.1-12-43 & 24-4.5-3-701 (West
2012)Uniform
Consumer Credit Code - Loans
Indiana Property Tax Benefits - State
Form 51781
Property of DocuTech Corporation Page 85
Indiana(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Closing
Telephone Sales Contract Notice on All Notes and
Security Instruments
Cx5 (
FNMA/FHLMC), Cx324
(FNMAlFHLMC), Cx377 (FHA),
Cx482, Cx1381, and others (all upon request)
A sellerBoth
A mortgage made as a consequence
of a telephone sales call (“cold
calling”)
Real estate At closing
Ind. Code Ann. § 24-4.7-4-4(c)
(West 2013); 11 Ind. Admin. Code
1-1-2 9 (West 2013)
Statutory
Click here for Table of Contents
Property of DocuTech Corporation Page 86
Click here for Table of Contents
Iowa(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing Requirement Legal Reference Format
Initial DisclosureIA Payment
Reduction Fee Disclosure
Cx1906 A lenderBoth
A 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 borrower
Prior to accepting an application
Iowa Code Ann. § 535.8(3) (West
2013)No
Initial DisclosureAnti-Coercion
Insurance Disclosure
Cx2778
Either: (1) a person; or (2) a financial
institutionBoth
Either: (1) a loan of money or extension of
credit; or (2) a real estate
mortgage loan
Residential property
containing (or to contain) 1-to-4 family dwelling
units
Not specified
Iowa Code Ann. §§ 507B.5(1)(a) & 535A.9(1)(a)
(West 2013)
No
Initial Disclosure IA Broker Agreement Cx5110 A loan broker
Brokers A loan Not specified Not specified
Iowa Code Ann. §§ 535C.2(5) & 535C.7 (West
2013)Iowa Loan Brokers Act
No
Initial Disclosure Addendum to Loan Application Cx13441 Not specified
Both Not specified Not specifiedNot specified, but
practically at application
Varnum v. Brien, 763 N.W.2d 862
(Iowa 2009)No
Property of DocuTech Corporation Page 87
Iowa(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing Requirement Legal Reference Format
Initial Disclosure Cost of Insurance Disclosure
Cx16488 (upon request)
A creditorLenders
A consumer credit
transaction (consumer loan)
of $25,000 or less, excluding a first lien used to
purchase the property,
refinance a purchase loan, or construct a
dwelling on the property
Not specified
Not 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 Provisions
No
Initial Disclosure, TILA Redisclosure,
& ClosingTILA Disclosures
Cx18, Cx1531, and other TILA
Disclosures
A personBoth
A consumer credit
transaction (consumer loan)
of $25,000 or less, excluding a first lien used to
purchase the property,
refinance a purchase loan, or construct a
dwelling on the property
Not specified Various times
Iowa Code Ann. § 537.3201
(West 2013)Iowa Consumer Credit Code – Regulation of
Agreements and Practices
12 CFR Pt. 1026, App. H
Property of DocuTech Corporation Page 88
Iowa(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing Requirement Legal Reference Format
Initial Disclosure, Processing,
Underwriting, & Closing
NMLS Number Disclosed on 1003
Uniform Residential Loan
Application
On Cx4193 (FNMA/FHLMC)
A person originating a residential mortgage
loanBoth
A 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
dwelling
On the application
Iowa Code Ann. § 535D.19 (West
2013)Iowa Secure and Fair Enforcement
for Mortgage Licensing Act
FNMA 1003 Form - Uniform
Residential Loan Application
Initial Disclosure, TILA Redisclosure,
& Closing
IA Acknowledgemen
t of Receipt of Copies
Cx15276A lender or other
secured partyBoth
A debt Not specifiedAt the time a
document relating to a debt is signed
Iowa Code Ann. § 535.16 (West
2013)No
ClosingAssignment, Sale,
or Transfer of Servicing
Cx21 (Federal)
Not specified, but practically the original
creditorBoth
A consumer credit
transaction (consumer loan)
of $25,000 or less, excluding a first lien used to
purchase the property,
refinance a purchase loan, or construct a
dwelling on the property
Not specified
Not specified, but practically before or
at the time the loan is assigned
Iowa Code Ann. § 537.3204
(West 2013)Iowa Consumer Credit Code – Regulation of
Agreements and Practices
12 CFR Pt. 1024, App. MS-2
Property of DocuTech Corporation Page 89
Iowa(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing Requirement Legal Reference Format
Closing
Notice to Consumer on IA
Mortgage Second and Fixed Rate
Note Iowa Second
On Cx479 & Cx1044
A creditorBoth
A 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 property
Not specified
On any writing evidencing a
consumer credit transaction
Iowa Code Ann. § 537.3203
(West 2013)Iowa Consumer Credit Code – Regulation of
Agreements and Practices
Statutory
Closing
Homestead Waiver on IA Mortgage, IA
Mortgage FHA, IA Mortgage Second,
and HELOC Mortgage Less
than 25000 – IA
On Cx321 (
FNMA/FHLMC), Cx374 (FHA),
Cx479, & Cx1377
Not specified, but practically the lender
BothNot specified A homestead On a written contract
Iowa Code Ann. § 561.22(1)(a) (West 2013)
Statutory
FNMA Form 3016
Property of DocuTech Corporation Page 90
Iowa(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing Requirement Legal Reference Format
ClosingIA Oral
Agreement Disclosure
Cx1021 A lenderBoth
A credit agreement, which is a
contract for a loan, but cannot be for open-end
and HELOC loans, and the loan amount must exceed
$20,000
Not specifiedAt or after the time
the credit agreement is made.
Iowa Code Ann. § 535.17(2) & (3)
(West 2013)Statutory
Closing IA Notice to Cosigners Cx1022
Not specified, but practically by the
lenderBoth
A consumer credit
transaction (consumer loan)
of $25,000 or less, excluding a first lien used to
purchase the property,
refinance a purchase loan, or construct a
dwelling on the property
Not specified
Before or contemporaneously
with signing any agreement of
obligation or any writing setting forth
the terms of the debtor’s agreement
Iowa Code Ann. § 537.3208
(West 2013)Iowa Consumer Credit Code – Regulation of
Agreements and Practices
Statutory
Property of DocuTech Corporation Page 91
Iowa(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing Requirement Legal Reference Format
Closing
Consumer Credit Transaction
Notice on Fixed Rate Note Iowa
Second
On Cx1044
Not specified, but practically by the
lenderBoth
A consumer credit
transaction (consumer loan)
of $25,000 or less, excluding a first lien used to
purchase the property,
refinance a purchase loan, or construct a
dwelling on the property
Not specified On the fact of the negotiable instrument
Iowa Code Ann. § 537.3211
(West 2013)Iowa Consumer Credit Code – Regulation of
Agreements and Practices
Statutory
Closing HUD-1 01-01-10 Cx14222 (Federal)
A lenderBoth
A 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 borrower
Not specified, but practically before
charging the disclosed fees
Iowa Code Ann. § 535.8(2)(b) (West 2013)
12 CFR Pt. 1024, App. A
Click here for Table of Contents
Property of DocuTech Corporation Page 92
Click here for Table of Contents
Kansas(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure KS High LTV Consumer Notice Cx1595
A lender, excluding a supervised financial
organizationBoth
A 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 residence
Not less than 3 days before the
loan is made
Kan. Stat. Ann. § 16a-3-207(3)(b)
& (4) (West 2012)Revised Uniform Consumer Credit
Code – Regulation of
Agreements and Practices
No
Initial Disclosure KS Borrower Acknowledgment Cx3585
A licensee (mortgage company) under the
Kansas Mortgage Business Act
Both
A mortgage loan
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
Before 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 Act
Mostly Administrative
Initial Disclosure Loan Brokerage Agreement
Cx3841 (upon request)
A loan broker registered under
Article 10, Chapter 50 of Kansas’ Statutes
Brokers
A loan Not specified Not specified
Kan. Stat. Ann. §§ 50-1007 & 50-
1015(a)(1) (West 2012)
No
Property of DocuTech Corporation Page 93
Kansas(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureAnti-Coercion
Insurance Disclosure
Cx4172 A creditorBoth
A 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 lien
LandOn the loan
agreement or other instrument
Kan. Stat. Ann. § 16a-4-109 (West
2012)Revised Uniform Consumer Credit Code - Insurance
No
Initial Disclosure KS Loan Broker Disclosure Cx4248
A loan broker registered under
Article 10, Chapter 50 of Kansas’ Statutes
Brokers
A loan Not specified
At least 7 days before either a
contract for services is signed or consideration
is received, whichever occurs
first
Kan. Stat. Ann. § 50-1006(a) & (b)
(West 2012)Partial Statutory
Property of DocuTech Corporation Page 94
Kansas(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure Dual Capacity Disclosure
Cx12999 (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 transaction
Both
Either: (1) a mortgage loan;
or (2) a residential
mortgage loan, either of which
are made in connection with the sale of the
real estate
Either: (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) constructed
Before receiving compensation
Kan. Stat. Ann. §§ 9-2212(g) & 16a-2-310(e) (West
2012)Kansas Mortgage Business Act and
Uniform Consumer Credit Code – Finance
Charges and Related
Provisions
No
Initial Disclosure Cost of Insurance Disclosure
Cx16488 (upon request)
A creditorLenders
A 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 lien
Land
Not specified, but practically before
charging for additional credit
insurance
Kan. Stat. Ann. § 16a-2-501(2) (West 2012)
Revised Uniform Consumer Credit Code – Finance
Charges and Related
Provisions
No
Property of DocuTech Corporation Page 95
Kansas(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureKS Estimated
Disclosure Document
Cx16584 (upon request)
A loan broker registered under
Article 10, Chapter 50 of Kansas’ Statutes
Brokers
A loan which is also covered by
the Truth-in-Lending Act (15 USCA §§ 1601
through 1667e)
Not specified
Before the borrower becomes
contractually obligated on the
loan
Kan. Stat. Ann. § 50-1006(d) (West
2012)Partial Statutory
Initial Disclosure, TILA Redisclosure, &
Closing
Various TILA Disclosures
Cx18, Cx1591, and other TILA Disclosures (All
Federal)
A creditorBoth
A 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 lien
Land At various times
Kan. Admin. Regs. § 75-6-26
(2013)Uniform
Consumer Credit Code
12 CFR Pt. 1026, App. G & H
Closing
Various Kansas Notes and Mortgages
Cx5 (
FNMA/FHLMC), Cx36 (FHA),
Cx325 (
FNMA/FHLMC), Cx378 (FHA), Cx483, and
Cx1048
A creditorBoth
A 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 lien
Land On the written loan agreement
Kan. Stat. Ann. § 16a-3-202 (West
2012)Revised Uniform Consumer Credit
Code – Regulation of
Agreement and Practices
Statutory
FNMA Form 3200FNMA Form 3017
Property of DocuTech Corporation Page 96
Kansas(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Closing KS UCCC Addendum Cx4448 A lender
Both
Either: (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 lien
Not specified Not specified
Kan. Stat. Ann. §§ 16-207(b) & 16a-
1-109 (West 2012); Kan.
Admin. Regs. § 75-6-1 (2013)
No
Click here for Table of Contents
Property of DocuTech Corporation Page 97
Click here for Table of Contents
Kentucky(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureAnti-Coercion
Insurance Disclosure
Cx2778
Either: (1) a financial institution; or (2) a creditor or lender
Lenders
Either: (1) A loan or extension of credit; or (2) A
debt or loan
Property
When 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
Insurance
Initial DisclosureKY Mortgage Loan
Broker Agent Disclosure
Cx3825A mortgage loan
brokerBrokers
A residential mortgage loan
Residential 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
dwelling
Not specified
Ky. Rev. Stat. Ann. § 286.8-
270(1)(b) (West 2012)
Mortgage Licensing and
Regulation Act
No
Initial Disclosure KY Commitment Disclosure Cx3826
A mortgage loan company or a loan
brokerBoth
A loan commitment or
funding, presumably for a
mortgage loan
Residential 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
dwelling
Not specified
Ky. Rev. Stat. Ann. §§ 286.8-120(7) & 286.8-
270(2) (West 2012)
Mortgage Licensing and
Regulation Act
No
Property of DocuTech Corporation Page 98
Kentucky(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureKY Notice to
Borrower – High Cost Loans
Cx4264
A lender, including mortgage brokers and
finance companiesBoth
A high-cost home loan
Residential real property which is
(or will be) the borrower’s
principal dwelling
At least 3 business days
before consummation
Ky. Rev. Stat. Ann. § 360.100(2)(h) (West 2012)
Statutory
Initial Disclosure Affiliated Business Disclosure
Cx11413 (Federal)
A mortgage loan company, a mortgage
loan broker, or a lenderBoth
A mortgage loan
Residential 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
dwelling
At the time when the Good Faith
Estimate is provided
808 Ky. Admin. Regs. 12:050(3)
(2013)Mortgage
Licensing and Regulation Act
12 CFR Pt. 1024, App. D
Initial Disclosure, Processing,
Underwriting, & Closing
NMLS Unique Identifier
Disclosure on 1003 Uniform
Residential Loan Application
On Cx4193 (
FNMA/FHLMC)
Any person originating a mortgage loan
BothA mortgage loan
Residential 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
dwelling
On the application
Ky. Rev. Stat. Ann. § 286.8-
030(5)Mortgage
Licensing and Regulation Act
FNMA 1003 Form - Uniform Residential
Loan Application
Property of DocuTech Corporation Page 99
Kentucky(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure, TILA Redisclosure, &
Closing
HUD 01-01-10 and Itemization of
Amount Financed 01-01-10
Cx14222 (Federal) &
Cx14644 (Federal)
A mortgage loan company or a
mortgage loan brokerBoth
A mortgage loan
Residential 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
dwelling
Not specified, but practically at
closing
808 Ky. Admin. Regs. 12:050(1)
(2012)Mortgage
Licensing and Regulation Act
12 CFR Pt. 1024, App. A; Pt. 1026, App. H; Form H-3
Closing KY Fair Housing Disclosure Cx11145
A person or entity engaged in real estate-
related transactionsBoth
A financing of real property Real property
At the time of sale, purchase, or financing of real
property
104 Ky. Admin. Reg. 1:010(4)
(2013)
Fair Housing Brochure
Closing
KY Homeownership
Protection Center Notification to Homeowners
Cx13677 A mortgageeBoth Not specified Not specified At the time of
closing
Ky. Rev. Stat. Ann. §§ 198A.400
& 286.2-020(2) (West 2012)
Mae Street Kidd Kentucky Housing Corporation Act
Notification to Homeowners of the
Kentucky Homeownership
Protection Center
Click here for Table of Contents
Property of DocuTech Corporation Page 100
Click here for Table of Contents
Louisiana(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure
LA Loan Brokerage Agreement and
Disclosure Statement
Cx3318 (upon request)
A loan brokerBrokers
A consumer loan or a federally
related mortgage loan (if
contracted for) that is a first lien
If 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
dwelling
With the application
La. Rev. Stat. Ann. §§ 9:3572.10 &
9:3572.11 (2012)Louisiana
Consumer Credit Law
No
Initial DisclosureAnti-Coercion
Insurance Disclosure
Cx4172
Either: (1) the extender of credit; or (2) the
mortgagee or a lenderBoth
Either: (1) a consumer credit
transaction (consumer loan),
generally excluding
federally related mortgage loans;
or (2) a mortgage
Immovable property Not specified
La. Rev. Stat. Ann. §§ 9:3544 &
22:1964(9) (2012)Louisiana
Consumer Credit Law and Louisiana
Insurance Code
No
Property of DocuTech Corporation Page 101
Louisiana(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureLA Mortgage Loan
Origination Agreement
Cx4828 A mortgage brokerBrokers
A residential 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
dwelling
No 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 Act
Partial Statutory
Initial Disclosure LA Application Fee Disclosure Cx11909
A licensee under the Louisiana S.A.F.E.
Residential Mortgage Lending Act (La. Rev. Stat. Ann. §§ 6:1081
through 6:1104 )Both
A residential 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
dwelling
Prior to collecting an application fee
La. Rev. Stat. Ann. § 6:1096(J)(1)
(2012)Louisiana S.A.F.E.
Residential Mortgage
Lending Act
No
Closing
3200 Note Fixed, LA Mortgage Second, Fixed
Rate Note Louisiana Second, HUD-1 01-01-10,
and any other applicable Louisiana
promissory notes
Cx5 (
FNMA/FHLMC), Cx485, Cx1050,
Cx14222 (Federal), and
other Louisiana promissory
notes
A party to the loan (i.e. a lender)Lenders
A federally related mortgage loan (which is a
first mortgage), a residential
mortgage loan other than a
federally related mortgage loan, and a consumer
loan
Residential immovable
property (upon which there is, or
will be, constructed a
dwelling), including an
immobilized 1-to-4 family mobile
home
Not specified, but practically at
closing
La. Rev. Stat. Ann. §§ 6:1096 &
6:1097 (2012)Louisiana S.A.F.E.
Residential Mortgage
Lending Act
FNMA Form 3200
12 CFR Pt. 1024, App. A
Property of DocuTech Corporation Page 102
Louisiana(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Closing LA Title Insurance Rider Cx16234 Not specified
Both
A mortgage in connection with
the sale, conveyance,
transfer or other act transferring
an interest in the property
1-to-4 family residential property
As a part of the mortgage
La. Rev. Stat. Ann. § 22:513.1 (2012)
Louisiana Title Insurance Act
No
Click here for Table of Contents
Property of DocuTech Corporation Page 103
Click here for Table of Contents
Maine(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Initial Disclosure
ME Notification to Buyer of
Withholding Tax Requirement
Cx1570
A real estate escrow person, including a
mortgage lenderBoth
A mortgage, lien, or encumbrance used as a means for purchasing
real property for $50,000 or more
from a nonresident
seller
Real property Not specified
Me. Rev. Stat. Ann. tit. 36, §
5250-A(9) (2011)Maine Income
Tax Law
REW-4 - Notification of
Buyer(s) of Withholding Tax
Requirement
Initial DisclosureAnti-Coercion
Insurance Disclosure
Cx2778
A creditor or a lender, the latter of which includes a financial institution, credit
union, or supervised lenderBoth
A loan Not specified
At the time of application or at the
outset of negotiations.
Me. Rev. Stat. Ann. tit. 24-A, §
2169 (2011)The Maine
Insurance Code
No
Initial DisclosureME Right to Own
Attorney Disclosure
Cx3279
Either: (1) a supervised lender; (2) a creditor;
or (3) a financial institution or credit
union authorized to do business in Maine
Both
Either: (1) a residential
mortgage loan; or (2) a
consumer credit transaction
(consumer loan)
1-to-4 residential units Not specified
Me. Rev. Stat. Ann. tit. 9-A, §§ 3-311 & 9-303;
tit. 9-B, § 241(4) (2011)
Maine Consumer Credit Code – Regulation of
Agreements and Practices
No
Property of DocuTech Corporation Page 104
Maine(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Initial DisclosureME Balloon
Addendum to Loan Application
Cx3394 A creditorBoth
A 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 specified
Me. Rev. Stat. Ann. tit. 9-A, § 3-
308 (2011)Maine Consumer
Credit Code – Regulation of
Agreements and Practices
No
Initial Disclosure ME Disclosure to Consumer Cx3764
Either: (1) a loan broker; or (2) a credit services organization
Both
Either: (1) an extension of credit; or (2)
consumer credit, presumably a
consumer credit transaction
(consumer loan)
Manufactured housing or an
interest in land
Before 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 Brokers
Disclosure - Written Disclosure;
required by Section 10-303
Property of DocuTech Corporation Page 105
Maine(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Initial Disclosure
ME Broker Agreement and
Good Faith Estimate 01-01-
10
Cx4517 & Cx14221 (Federal)
Either: (1) a loan broker; or (2) a credit services organization
Brokers
Consumer credit, presumably a
consumer credit transaction
(consumer loan)
Manufactured housing or an
interest in landNot specified
Me. 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 Brokers
Loan Broker Agreement
12 CFR Pt. 1024, App. A
Initial Disclosure
ME HCL or HPML Reasonable
Tangible Net Benefit
Disclosure Form
Cx13190 or Cx16407
A creditor, including a mortgage broker, but
excluding a supervised financial organization
Both
A high-cost mortgage loan or a higher-priced mortgage loan
which refinances a residential
mortgage loan
Residential real property that contains the borrower’s
principal dwelling and
consists of 1-to-4 family units
Prior to or upon making the new high-cost mortgage loan or
higher-priced mortgage loan
02-030 Code Me. R. ch. 550, §§ 5(3), (4) & (6) and 6 Att. A
(2012)
Administrative
Initial Disclosure Addendum to Loan Application Cx13441 Not specified
Both Not specified Not specifiedNot specified, but
practically at application
Me. Rev. Stat. Ann. tit. 19-A, §
650-A (2011)No
Initial Disclosure Privacy Policy Notice
Cx15182 (Federal)
A creditor, but not a supervised financial
organizationBoth
A consumer credit
transaction (consumer loan)
Manufactured housing or an
interest in land
No later than when a customer relationship
is established
Me. Rev. Stat. Ann. tit. 9-A, §§ 3-314 & 9-310
(2011)Maine Consumer Code and Maine Consumer Credit
Code – Regulation of
Agreements and Practices
12 CFR Pt. 1016, App. A
Property of DocuTech Corporation Page 106
Maine(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Initial Disclosure
ME Alternative Mortgage
Transaction Disclosures
Cx15798, Cx15799, or
Cx15800
A creditor (a supervised lender) or a
financial institution, but excluding a
supervised financial organization
Both
An 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
plan
A 1-to-4 family dwelling
At the time an application form is provided or before
the applicant pays a nonrefundable fee, whichever is earlier
02-029 Code Me. R. ch. 119, §§ 4 & 5 and 02-030 Code Me. R. ch.
250, §§ 4 & 5 (2012)
No
Initial Disclosure Cost of Insurance Disclosure
Cx16488 (upon request)
The creditorBoth
A consumer credit
transaction (consumer loan), which generally
excludes purchase,
refinance of a purchase,
construction, and first lien
loans
Manufactured housing or an
interest in land
Not specified, but practically before
charging for any of the disclosed
insurances
Me. Rev. Stat. Ann. tit. 9-A, § 2-
501(2) (2011)Maine Consumer
Credit Code – Finance Charges
and Related Provisions
No
Initial Disclosure ME PMI Disclosure
Cx16590 (upon request)
A supervised lender or a loan broker
BothA mortgage loan Residential real
propertyAt the time of
application
Me. Rev. Stat. Ann. tit. 33, §
507 (2011)No
Property of DocuTech Corporation Page 107
Maine(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Initial Disclosure Investigate Credit Report Disclosure UR
A person who seeks to conduct an
investigative consumer reportBoth
An economic benefit Not specified
Either at the time of application or any
time not less than 3 business days before
the date on which the investigation is begun
Me. Rev. Stat. Ann. tit. 10, § 1314 (2011)Fair Credit
Reporting Act
No
Adverse Action
Addendum to Statement of Credit Denial,
Termination, or Change
Cx15905
A person who takes adverse action against
a consumerBoth
Credit for personal, family,
or household purposes
Not specified
Within 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 action
Me. Rev. Stat. Ann. tit. 10, §
1320(1-B) & (2) (2011)
Fair Credit Reporting Act
No
Initial Disclosure, TILA Redisclosure,
& Closing
Initial Truth-in-Lending
Disclosure and other TILA Disclosures
Cx1591 and other TILA Disclosures
Either: (1) a creditor; or (2) a loan broker
and its mortgage loan originators
Both
Either: (1) a consumer credit
transaction (consumer loan); or (2) consumer
credit, presumably a
consumer loan
Manufactured housing or an
interest in land At various times
Me. 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 Brokers
12 CFR Pt. 1026, App. G & H
Property of DocuTech Corporation Page 108
Maine(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Initial Disclosure & Adverse Action
Appraisal Disclosure Cx3397
Either: (1) a creditor; or (2) a financial
institutionBoth
A consumer credit
transaction (consumer loan)
Either: (1) manufactured housing or an
interest in land; or (2) real estate
Not 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 Practices
No
Initial Disclosure, Processing,
Underwriting, & Closing
NMLS Unique Identifier
Disclosed on 1003 Uniform
Residential Loan Application
On Cx4193 (
FNMA/FHLMC)
Any person originating a residential mortgage
loanBoth
A 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
dwelling
On the application
Me. Rev. Stat. Ann. tit. 9-A, § 13-118 (2011)
The Maine Secure and Fair Enforcement for
Mortgage Licensing Act of
2009
FNMA 1003 Form - Uniform
Residential Loan Application
Initial Disclosure & Closing
Good Faith Estimate 01-01-
10, HUD-1 01-01-10, and other
RESPA Disclosures
Cx14221, Cx14222, and other RESPA disclosures
A loan broker and its mortgage loan originators, but
generally excluding supervised financial organizations and supervised lenders
Both
Consumer credit Not specified At various times
Me. Rev. Stat. Ann. tit. 9-A, § 10-307 (2011)
Maine Consumer Credit Code – Loan Brokers
12 CFR Pt. 1024, Appendices
Property of DocuTech Corporation Page 109
Maine(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing Requirement Legal Reference Specific Language
Required
ClosingAssignment, Sale,
or Transfer of Servicing
Cx21 (Federal) A supervised lenderBoth
A supervised loan
Real estate, manufactured housing, or an interest in land
Before assignment of the loan
Me. Rev. Stat. Ann. tit. 9-A, § 2-
310 (2011)Maine Consumer
Credit Code – Finance Charges
and Related Provisions
12 CFR Pt. 1024, App. MS-2
Closing ME Notice to Cosigners Cx1020 A creditor
Both
A consumer credit
transaction (consumer loan), which generally
excludes purchase,
refinance of a purchase,
construction, and first lien
loans
Manufactured housing or an
interest in land
Before or contemporaneously
with signing any writing setting forth
the debtor’s agreement
Me. Rev. Stat. Ann. tit. 9-A, § 3-
206 (2011)Maine Consumer
Credit Code – Regulation of
Agreements and Practices
12 CFR §§ 227.14(b)(1),
535.13(c)(1) & 706.3(b)(1) (2012); 16 CFR § 444.3(c)
(2012)
Closing
ME HELOC Notice of Mortgage and
Request for Notice of Default
Cx4885
A person who acquires any rights in or liens upon the mortgaged
real estateBoth
A lien Real estate After all filings and recordings are made
Me. Rev. Stat. Ann. tit. 33, §
505 (2011)No
Property of DocuTech Corporation Page 110
Maine(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing Requirement Legal Reference Specific Language
Required
ClosingME Important Notice About
Property TaxesCx13569 Real estate lenders
Both
Not specified, but practically purchase-type transactions
Real estate
At 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 liens
2008 Me. Legis. Serv. 687, § 2
(West)
Statutory
Guidance Document
Closing
ME Certification of Smoke and
Carbon Monoxide Alarms
Cx14524 The purchaserBoth
Not specified, but practically a
purchase transaction
A single-family dwelling or a
multi-apartment building
Within 30 days of acquisition or
occupancy of the dwelling, whichever is
later
Me. Rev. Stat. Ann. tit. 25, §§
2464(10) & 2468(6) (2011)
Certification of Smoke & Carbon Monoxide Alarm for Real Estate
TransferClick here for Table of Contents
Property of DocuTech Corporation Page 111
Click here for Table of Contents
Maryland(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure MD Financing Agreement Cx2171
Either: (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)
Both
A purchase money loan, or a refinance, which
is also a first mortgage or first
deed of trust
Owner-occupied real property
having a 1-to-4 family dwelling
Within 10 business days
after the date the application is
completed
Md. Code Ann., Com. Law §§ 12-
125(b), 12-922(b), & 12-1022(b) (West
2012); Md. Code Regs. 09.03.06.06
(2012)
No
Initial DisclosureMD Settlement
Services Disclosure
Cx2361 A lenderBoth
Either: (1) a first mortgage or first deed of trust; or
(2) any loan secured by a mortgage or deed of trust
A borrower’s primary
residence
At application or within 3 days
after application, or earlier upon
request.
Md. Code Ann., Com. Law §§ 12-119 & 12-120(c)
(West 2012)
No
Initial DisclosureAnti-Coercion
Insurance Disclosure
Cx2778Either: (1) a lender; or
(2) a personBoth
Either: (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 loan
Not specified Not specified
Md. Code Ann., Com. Law §§ 12-124 (West 2012);
Md. Code Ann., Ins. § 27-214 (West
2012)
No
Property of DocuTech Corporation Page 112
Maryland(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure MD Notice of Waiver Cx3278
Either: (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)
Both
A purchase money loan, or a refinance, which
is also a first mortgage or first
deed of trust
Owner-occupied real property
having a 1-to-4 family dwelling
At least 72 hours before the time of settlement
Md. 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)
No
Initial Disclosure MD Application Disclosure Cx3579
A licensee under the Maryland Mortgage
Lender Law (Md. Code Ann., Fin. Inst. §§ 11-501 through 11-524)
Both
A mortgage loan, which is for the
purchase of property
An owner-occupied
dwelling or residential real
estate on which a dwelling is (or is intended to be)
constructed
At the time the borrower elects the type of loan
applied for
Md. Code Regs. 09.03.06.09(C)
Maryland Mortgage Lender
Law
No
Initial Disclosure
MD Covered Loan Application
Disclosure and MD Important
Notice Regarding Housing
Counseling
Cx3824 and Cx15232
A 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 LawBoth
Either: (1) a covered loan,
including a secondary
mortgage loan; (2)a mortgage loan; or (3) a
reverse mortgage
An owner-occupied
dwelling or residential real
estate on which a dwelling is (or is intended to be)
constructed
At the time the borrower
completes the application
Md. 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 Agencies
Property of DocuTech Corporation Page 113
Maryland(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure MD Loan Commitment Cx4174
Either: (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)
Both
A purchase money loan, or a refinance, which
is also a first mortgage or first
deed of trust
Owner-occupied real property
having a 1-to-4 family dwelling
At least 72 hours before the time of settlement
Md. 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
Law
No
Initial Disclosure
MD Right to Rescind After
Written Application
Cx4177 A lenderBoth
A mortgage loan for the purchase
of property
A 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 contract
After receiving the loan
application
Md. Code Ann., Real Prop. § 10-
702(h)(2)(ii) (West 2012)
No
Property of DocuTech Corporation Page 114
Maryland(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureMD Right to
Rescind Before Application
Cx4178 A lenderBoth
A mortgage loan for the purchase
of property
A 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 contract
At or before the time application
is made
Md. Code Ann., Real Prop. § 10-
702(h)(2)(i) (West 2012)
No
Initial Disclosure MD Broker Contract Cx4565
Either: (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 brokerBrokers
Either: (1) a loan or advance of
money; or (2) a mortgage loan
An owner-occupied
dwelling or residential real
estate on which a dwelling is (or is intended to be)
constructed
Before undertaking to
assist the borrower in
obtaining a loan
Md. 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
Law
No
Initial Disclosure Addendum to Loan Application Cx13441 Not specified
Both Not specified Not specified Not specifiedMd. Code Ann.,
Fam. Law § 2-201 (West 2012)
No
Property of DocuTech Corporation Page 115
Maryland(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureMD Net Tangible
Benefit Worksheet
Cx13909
Either: (1) a licensee under the Maryland
Mortgage Lender Law (Md. Code Ann., Fin.
Inst. §§ 11-501 through 11-524); or (2) a mortgage loan
originatorBoth
A refinance of a mortgage loan
An owner-occupied
dwelling or residential real
estate on which a dwelling is (or is intended to be)
constructed
Not specified
Md. Code Regs. 09.03.06.20 &
09.03.09.04 (2012)Maryland
Mortgage Lender Law
Net Tangible Benefit Worksheet
Adverse Action
Statement of Credit Denial,
Termination or Change
Cx15858 (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
ArticleBoth
Credit or an extension of
creditNot specified
Within 30 days after receipt of a
completed application for
credit
Md. Code Ann., Com. Law §§ 14-
1702, 14-1703, 14-1704, & 14-1705
(West 2012)
12 CFR Pt. 1002, App. C; Form C-1
Initial Disclosure & Closing
Copy of Appraisal Report Notice Cx6 (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)
Both
A loan transaction
Either: (1) residential real property; or (2) residential real
estate upon which an owner-
occupied dwelling is or will
be located
Not specified
Md. Code Ann., Real Prop. § 14-
104.1 (West 2012); Md. Code Regs. 09.03.06.10(C)
(2012)Maryland
Mortgage Lender Law
12 CFR Pt. 1002, App. C; Form C-9
Property of DocuTech Corporation Page 116
Maryland(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure, TILA Redisclosure, &
Closing
Truth-in-Lending Disclosure or
Initial Truth-in-Lending
Disclosure
Cx18 (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.
Both
Either:(1) a loan under Subtitle 1, Title
12 of Maryland’s Commercial Law (Md. Code Ann., Com. Law §§ 12-
101 et seq.);(2) a loan under
the Maryland Consumer Loan
Law – Credit Provisions (Md.
Code Ann., Com. Law §§ 12-301 et
seq.);(3) a mortgage
loan;(4) a revolving credit plan; or
(5) a loan (closed-end
credit)
A dwelling or residential real
estate on which a dwelling will be
located, which is owner-occupied
Before execution of a loan contract
Md. 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
Provisions
12 CFR Pt. 1026, App. H; Form H-2
Initial Disclosure & Closing
MD Closing Attorneys Fee Certification
Cx3513 (upon request)
A lenderBoth
Any loan secured by a mortgage or deed of trust, but
excluding commercial loans
A borrower’s primary
residence
At or prior to settlement
Md. Code Ann., Com. Law § 12-
120(b) (West 2012)No
Property of DocuTech Corporation Page 117
Maryland(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure & Closing
Maryland DLLR Disclosure
Cx13900, 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
articlesBoth
A mortgage loan which either: (1)
includes a balloon payment;
(2) does not provide for the
establishment of an escrow
account; or (3) includes a mandatory
binding arbitration clause
An owner-occupied
dwelling or residential real
estate on which a dwelling is (or is intended to be)
constructed
Within 10 business days
after application is completed and not less than 72 hours before the
time of settlement
Md. Code Regs. 09.03.10.03 (2012) Administrative
Initial Disclosure & Closing
Good Faith Estimate 01-01-10 and HUD-1 01-01-
10
Cx14221 (Federal) &
Cx14222 (Federal)
A licensee under the Maryland Mortgage
Lender Law (Md. Code Ann., Fin. Inst. §§ 11-501 through 11-524)
Both
A mortgage loan
A dwelling or residential real
estate on which a owner-occupied dwelling is (or is intended to be)
constructed
Various
Md. Code Regs. 09.03.06.07(C)
(2012)Maryland
Mortgage Lender Law
12 CFR Pt. 1024, App. A & C
Initial Disclosure & Closing
MD Tax Property Affidavit Cx15803 The original
mortgagor
A mortgage or deed of trust,
which is a refinance loan
Real property which is the
principal residence of the
original mortgagor
At closing or recording
Md. Code Ann., Tax-Prop. § 12-
108(g)(3) & (g)(4) (West 2012)
Model Form(Howard County)
Property of DocuTech Corporation Page 118
Maryland(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Closing
Affidavits of Consideration and Disbursement on
MD Deed of Trust, MD Deed of Trust
FHA, and MD Deed of Trust
Second
On Cx329 (
FNMA/FHLMC), Cx382 (FHA), &
Cx487
The mortgagee or party secured by the
mortgageLenders
A 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)
Land On the security instrument
Md. Code Ann., Real Prop. § 4-106(a) & (b)(1)
(West 2012)
FNMA Form 3021
Closing
Provision of Attorney and
Court Fees in MD Deed of Trust, MD
Deed of Trust Second, MD Deed of Trust FHA, and
HELOC Agreement – MD
On Cx329 (
FNMA/FHLMC), Cx382 (FHA),
Cx487, & Cx3035
A credit grantorBoth
Either: (1) a revolving credit
plan; or (2) a loan (closed-end
credit)
Not specified At closing
Md. Code Ann., Com. Law §§ 12-911 & 12-1011
(West 2012)
FNMA Form 3021
ClosingMD First Time Home Buyer
AffidavitCx3539 Not specified
Both
Not specified, but practically a
loan in which the property is conveyed
Owner-occupied, residential real
propertyAt recording
Md. Code Ann., Tax-Prop. §§ 12-
103(b)(2) & (b)(3), 13-203(b)(4), and
13-409 (West 2012)
No
Property of DocuTech Corporation Page 119
Maryland(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
ClosingMD Licensee
Information or Affidavit
Cx13984
A 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.Both
A mortgage loan
Residential property,
improved by 1-to-4 single family
dwelling units
When the security
instrument is recorded
Md. 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 Law
Administrative
Closing
MD Written Acknowledgemen
t of Delivery of the Note
Cx16099 A credit grantorBoth
Either: (1) a plan (aka a revolving credit plan); or
(2) a loan (closed end credit)
Not specifiedNo later than the
time of consummation
Md. Code Ann., Com. Law §§ 12-
913.2(c) & 12-1013.2(c) (West
2012)
No
ClosingMD Delivery of Net Proceeds Authorization
Cx16100 (upon request)
A lenderBoth
A purchase-money mortgage or deed of trust,
except one wherein it is
lawful to charge any rate of
interest under Md. Code Ann., Com. Law § 12-
103(e) (West 2012)
Land
Before delivering not proceeds,
deducting charges, interest,
expenses, or advancing
escrow and charges due from
the borrower
Md. Code Ann., Real Prop. § 4-
106(b)(2) (West 2012)
No
Property of DocuTech Corporation Page 120
Maryland(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
ClosingMD Property Tax
Installment Direction
Cx17045 (upon request)
Not specifiedBoth
Not specified, but practically a purchase loan
Owner-occupied residential
property, or business
property in connection to
which total taxes do not exceed
$100,000
Not specified
Md. Code Ann., Tax-Prop. § 10-204.3(j) (West
2012)
No
Click here for Table of Contents
Property of DocuTech Corporation Page 121
Click here for Table of Contents
Massachusetts(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Requirement
Initial DisclosureSection 32
Mortgage Loan Disclosure
Cx2790 (Federal)
A lender, including a financial institution,
but excluding lenders subject to Mass. Regs. Code tit. 209, § 40.03
and brokersBoth
A high cost home loan
A consumer’s principal dwelling
Not specified
Mass. Regs. Code tit. 209, §
40.04(1), (2), (3), (4), & (5) (2013)
Partial Administrative
Initial Disclosure
MA Addendum to Uniform
Residential Loan Application
Cx3573
Either: (1) not specified; or (2)
a licensee under Mass. Gen. Laws Ann. ch.
255E and Mass. Regs. Code tit. 209, § 42.00
Both
Either: (1) a mortgage loan;
or (2) a residential
mortgage loan
A 1-to-4 family dwelling on residential property
occupied (or to be occupied) by
the obligor
On the application
Mass. Gen. Laws Ann. ch. 184, §
17B (West 2012); Mass. Regs. Code tit. 209, § 42.15
(2013)
No
Initial DisclosureMA High Cost
Loan Insurance Disclosure
Cx3745 A creditorBoth
A high cost home loan
A consumer’s principal dwelling,
consisting of 1-to-4 units,
regardless of whether it is
attached to real property
At least 3 business days
before the loan is closed
Mass. Regs. Code tit. 209, §
32.34(2)(b) (2013)
No
Property of DocuTech Corporation Page 122
Massachusetts(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Requirement
Initial DisclosureMA High Cost Loan Payment
DisclosureCx3746
Either: (1) a creditor; or (2) a lender,
including a financial institution
Both
A high cost home loan
A 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)
Administrative
Initial Disclosure Anti-Coercion Insurance Cx3750
Either: (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
lendersBoth
Either: (1) a loan of money; (2) a
loan of money or extension of credit; (3) a
mortgage loan; or (4) an
extension of credit
Either: (1) real property; (2) property; (3)
property which is the subject of
the mortgage; or (4) not specified
At the time the customer applies for an extension
of credit
Mass. Gen. Laws Ann. ch. 175, §
193E; ch. 176D, § 4; & ch. 183, § 66
(West 2012); Mass. Regs. Code
tit. 209, § 49.06(5) (2013)
No
Initial Disclosure
MA Loan Origination and Compensation
Agreement
Cx5112
A mortgage broker licensed under Mass. Gen. Laws Ann. ch.
255E and Mass. Regs. Code tit. 209, § 42.00
Brokers
A mortgage loan
Residential 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 application
Mass. Regs. Code tit. 209, §§
42.12A(5) & 42.16 (2013)
Administrative
Property of DocuTech Corporation Page 123
Massachusetts(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Requirement
Initial DisclosureMA Borrower’s
Interest Worksheet
Cx5771 A lenderBoth
A home loan which refinances
another home loan within 60
months prior to application
Real estate improved with a
1-to-4 family dwelling,
occupied by the borrower
No later than closing
Mass. Gen. Laws Ann. ch. 183, §
28C (West 2012); Mass. Regs. Code tit. 209, §§ 53.03,
53.04, & 53.07 (2013)
No
Initial DisclosureMA No
Doc/Limited Doc Disclosure
Cx13093A mortgage broker or
a mortgage lenderBoth
A “no documentation” mortgage loan, but excluding
certain reverse mortgages and open-end home equity lines of
credit
Residential 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 closing
Mass. Regs. Code tit. 940, §
8.06(16) (2013)No
Initial Disclosure MA Counseling Disclosure Cx13391 A mortgagee
Both
An adjustable-rate subprime
loan
Owner-occupied, 1-to-4 family
residential property
At or before closing
Mass. Gen. Laws Ann. ch. 184, §
17B½ (West 2012); Division of Banks Regulatory Bulletin 1.3-104
(2012)
No
Property of DocuTech Corporation Page 124
Massachusetts(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Requirement
Initial Disclosure Addendum to Loan Application Cx13441 Not specified
Both Not specified Not specifiedNot specified,
but practically at application
Goodridge v. Dep’t of Pub. Health, 440
Mass. 309 (2003)
No
Initial DisclosureMA Mortgage Loan Rate Lock Commitment
Cx13544 or Cx14521 (upon
request)
A mortgage lender licensed under Mass. Gen. Laws Ann. ch.
255E and Mass. Regs. Code tit. 209, § 42.00
Both
A mortgage loan
Residential 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
commitment
Mass. Regs. Code tit. 209, §
42.11A(4) (2013)No
Initial DisclosureMA High Cost
Home Loan Disclosure
Cx14937A creditor, other than
a brokerBoth
A high cost home loan
A consumer’s principal dwelling,
consisting of 1-to-4 units,
regardless of whether it is
attached to real property
Not specified
Mass. Regs. Code tit. 209, §
32.32(3)(a) through (e)
(2013)
Partial Administrative
Property of DocuTech Corporation Page 125
Massachusetts(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Requirement
Initial Disclosure
Statement of Credit Denial,
Termination, or Change
On Cx15858 (Federal)
Either: (1) the user of the consumer report
which formed the basis for adversely
affecting a consumer; or (2) a mortgagee
Both
Either: (1) credit; or (2) a
residential mortgage loan
Residential 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 action
Mass. Gen. Laws Ann. ch. 93, § 62;
ch. 183, § 64 (West 2012)
Partial statutory
12 CFR Pt. 1002, App. C; Form C-1
Initial DisclosureMA Conflict of
Interest Disclosure
UR A mortgage brokerBrokers
A loan, presumably a
mortgage loan, but excluding
certain reverse mortgages and open-end home equity lines of
credit
Residential 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 loan
Mass. Regs. Code tit. 940, §
8.06(17) (2013)No
Property of DocuTech Corporation Page 126
Massachusetts(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Requirement
Initial Disclosure, TILA Redisclosure, & Closing
State Truth-in-Lending Act Disclosures
Complied with by Federal Truth-in-
Lending Act Disclosures
Cx18, Cx1591, Cx8204,
Cx15444, and other TILA
Disclosures (all Federal)
Various, but primarily creditors
Both
Various, but primarily a
consumer credit transaction
Various, 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-
ops
Various
Mass. 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 & H
Initial Disclosure & Closing
MA Certification and
Indemnification Agreement
Cx1024 Not specifiedBoth
Not specified, but practically a purchase loan
1-to-5 family dwellings
occupied in whole or in part for residential
purposes
Not specified, but practically
upon the sale or transfer of the building and/or
structure
Mass. Gen. Laws Ann. ch. 148, §§ 26E & 26F (West
2012); Mass. Regs. Code tit.
946, § 7.14 (2013)
No
Property of DocuTech Corporation Page 127
Massachusetts(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Requirement
Initial Disclosure & TILA Redisclosure
Initial Truth-in-Lending
Disclosure and Good Faith
Estimate 01-01-10
Cx1591 (Federal) and
Cx14221 (Federal)
A mortgage lender or a mortgage broker
Both
A mortgage loan, excluding reverse
mortgages and open-end home equity lines of
credit
Residential 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. H
Initial Disclosure, Processing,
Underwriting, & Closing
MA High Cost Loan Application Disclosure and HCL Notice on 1003 Uniform
Residential Loan Application
Cx3742 and on Cx4193
(FNMA/FHLMC)
Either: (1) a creditor, excluding a broker; or (2) a lender, including a financial institution, but excluding a broker
Both
A high cost home loan
A 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)
Administrative
FNMA 1003 Form - Uniform
Residential Loan Application
Initial Disclosure & Adverse Action
MA Mortgage Review Board
NoticeCx3852 A mortgagee
LendersA residential
mortgage loan
Residential 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)No
Property of DocuTech Corporation Page 128
Massachusetts(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Requirement
Initial Disclosure, Processing,
Underwriting, & Closing
NMLS Unique Identifier
Disclosed on 1003 Uniform
Residential Loan Application
On 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, § 41.00
Both
A 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
dwelling
On the application
Mass. Gen. Laws Ann ch. 255F, § 18 (West 2012);
Mass. Regs. Code tit. 209, §
41.12(2) (2013)
FNMA 1003 Form - Uniform
Residential Loan Application
Initial Disclosure & Closing
MA Insurance Disclosure
Cx16146 (upon request)
A bank that sells insurance products
Both
An extension of credit Not specified
Not specified, but practically
before an applicant
becomes an insurance customer
Mass. Gen. Laws. Ann. ch. 167F, § 2A(b)(6) (West 2012); Mass.
Regs. Code tit. 209, § 49.06(7)
(2013)
No
Property of DocuTech Corporation Page 129
Massachusetts(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Requirement
Closing
Mortgage originator
information on MA Mortgages
and the MA Assignment of
Mortgage
On Cx328 (
FNMA/FHLMC), Cx381 (FHA),
Cx486, Cx1322, & Cx1531
A mortgagee A mortgage loan
Either: (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 owner
On the mortgage
Mass. Gen. Laws Ann. ch. 183, §§ 6D & 21 and ch. 188, § 7 (West
2012)
No
FNMA Form 3022
Closing
MA Lead Paint Indemnification Agreement and
MA Property Transfer Lead
Paint Notification
Cx1283; Cx15777 (upon
request)
The sellerBoth
Not specified, but practically a
purchase
Premises, meaning
dwellings built before 1978
Prior 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
Notification
Property of DocuTech Corporation Page 130
Massachusetts(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Requirement
Closing HUD-1 01-01-10 Cx14222 (Federal)
A mortgagee, a mortgage lender, or a
mortgage brokerBoth
A mortgage transaction
Residential 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 points
Mass. Gen. Laws Ann. ch. 183, § 63 (West 2012)
12 CFR Pt. 1024, App. A
Closing
MA Certification of Carbon Monoxide Detector
Cx15578 (upon request)
Not specifiedBoth
Not specified, but practically a purchase loan
A dwelling, building, or
structure used in whole or in part for residential
purposes
Upon sale or transfer of the
property
Mass. Gen. Laws Ann. ch. 148, §
26F ½ (West 2012); Mass.
Regs. Code tit. 527, § 31.06
(2013)
No
ClosingMA
Condominium Notice
Cx16175 A mortgageeLenders A mortgage A condominium
unit After recordingMass. Gen. Laws Ann. ch. 183A, § 4(5) (West 2012)
No
Click here for Table of Contents
Property of DocuTech Corporation Page 131
Click here for Table of Contents
Michigan(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure Anti-Coercion Insurance Cx3750
Either: (1) a credit granting institution; (2) a licensee or registrant under The Secondary
Mortgage Loan Act; or (3) a lender
Both
Either: (1) a mortgage loan; (2) a secondary mortgage loan;
or (3) a loan
Either: (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 dwelling
When 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 1956
No
Initial Disclosure
MI Borrowers Bill of Rights and
Consumer Caution Notice
Cx4970 A lenderBoth
A mortgage loan, but excluding purchase and
reverse mortgages and open-end credit
plans
Real property used as the borrower’s
principal dwelling and is designed
for occupancy by 1-to-4 families
At the time a person applies for a mortgage
loan
Mich. Comp. Laws Ann. §§ 445.1636 &
445.1637 (West 2012)
Consumer Mortgage
Protection Act
Statutory
Initial Disclosure MI HUD-Approved Counseling Agencies Cx7276 A lender
Both
A mortgage loan, but excluding purchase and
reverse mortgages and open-end credit
plans
Real property used as the borrower’s
principal dwelling and is designed
for occupancy by 1-to-4 families
At the time a person applies for a mortgage
loan
Mich. Comp. Laws Ann. §
445.1637 (West 2012)
Consumer Mortgage
Protection Act
HUD Approved Housing Counseling
Agencies
Property of DocuTech Corporation Page 132
Michigan(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Adverse ActionStatement of Credit Denial, Termination,
or Change15858 (Federal)
A credit granting institution
Both
A mortgage loan or a home
improvement loan, but excluding
construction financing
Real property designed for
occupancy by 1-to-4 families,
including single unit condos or
coops, and residential dwellings
After 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-1
Initial Disclosure, Processing,
Underwriting, & Closing
NMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan
Application
On Cx4193 (FNMA/FHLMC)
Any person originating a residential mortgage
loanBoth
A residential mortgage loan
A dwelling (as defined in
Section 103[v] of TILA) or
residential real estate on which a
person has (or intends to) construct a
dwelling
On the application
Mich. Comp. Laws Ann. §
493.171 (West 2012)
Mortgage Loan Originator
Licensing Act
FNMA 1003 Form - Uniform
Residential Loan Application
ClosingMarital Status
Disclosed on MI Mortgage1
On Cx331 (
FNMA/FHLMC), Cx384 (FHA), Cx489, and
Cx1393
Not specified, but practically the
mortgageeBoth
A mortgage Real estate At recording
Mich. Comp. Laws Ann. §
565.221 (West 2012)
FNMA Form 3023
Closing
MI Principal Residence
Exemption (PRE) Affidavit
Cx995 Not specifiedBoth Not specified A principal
residence Not specified
Mich. Comp. Laws Ann. §
211.7cc (West 2012)
The General Property Tax Act
Tax Form 2368
Property of DocuTech Corporation Page 133
Michigan(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Closing MI Property Transfer Affidavit Cx996
The buyer, grantee, or other transferee of the
propertyBoth
Not specified, but practically a
purchase or a renewal in which the beneficiaries
of the loan change
PropertyWithin 45 days of
the transfer of ownership
Mich. Comp. Laws Ann. § 211.27a(10) (West 2012)The General
Property Tax Act
Tax Form 2766
Closing
MI Request to Rescind Principal
Residence Exemption (PRE)
Cx997
The owner of the property, which in the
context of this requirement, is the
sellerBoth
Not specified, but practically a
purchase transaction
The seller’s principal residence
Not more than 90 days after
exempted property is no
longer used as a principal
residence by the seller
Mich. Comp. Laws Ann. §
211.7cc(5) (West 2012)
The General Property Tax Act
Tax Form 2602
Closing
MI Addendum to Mortgage-
Homestead and Dower Waiver
Cx7786 (upon request)
Not specifiedBoth
A mortgage to secure the payment of
purchase money
Either: (1) land; or (2) a
homestead
Not specified, but practically at
or by closing
Mich. Comp. Laws Ann. §§
558.4 & 600.6023 (West
2012)Revised
Judicature Act of 1961
None
Property of DocuTech Corporation Page 134
Michigan(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Closing HUD 01-01-10 Cx14222 (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 agency
Both
A loan Not specified Upon closing of the loan
Mich. Comp. Laws Ann. §
438.31b (West 2012)
12 CFR Pt. 1024, App. A
Click here for Table of Contents
Property of DocuTech Corporation Page 135
Click here for Table of Contents
Minnesota(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureMN Prepayment
Disclosure at Application
Cx1892
A residential mortgage originator, including a lender and a broker
Both
A residential mortgage loan that contains a
prepayment penalty
Residential real property,
improved (or intended to be improved) by a
structure of 1-to-4 family units
Within 5 days after borrower
requests the loan
Minn. Stat. Ann. § 58.137(2)(b) (West 2012)Minnesota Residential Mortgage
Originator and Servicer Licensing
Act
Statutory
Initial DisclosureMN Originator
Non-agency Disclosure
Cx1901
A residential mortgage originator or an exempt person,
excluding mortgage brokers, who does not accept an advance fee
Both
A residential mortgage loan
Residential real property,
improved (or intended to be improved) by a
structure of 1-to-4 family units
Within 3 business days of accepting
an application.
Minn. Stat. Ann. § 58.15 (West
2012)Minnesota Residential Mortgage
Originator and Servicer Licensing
Act
Statutory
Initial Disclosure
MN Residential Mortgage Originator Contract
Cx1907
A residential mortgage originator who either: (a) solicits or receives an advance fee; or (b)
offers to act as an agent of the borrower
Brokers
A lien on residential real
estate
Residential real property,
improved (or intended to be improved) by a
structure of 1-to-4 family units
When 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
Act
No
Property of DocuTech Corporation Page 136
Minnesota(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureAnti-Coercion
Insurance Disclosure
Cx3750
Either: (1) a company; or (2) a person, firm, or
corporation or an agent or broker of a
purchaserBoth
A loan of money secured by real
property
Property, including real
propertyNot specified
Minn. Stat. Ann. §§ 65A.09,
65A.10, & 72A.31 (West 2012)
No
Initial Disclosure MN Homestead Disclosure Cx4303
A licensee under the Minnesota Regulated
Loan ActBoth
An open-end loan A homestead
At the time of the execution of the
contract surrendering the
homestead exemption.
Minn. Stat. Ann. § 56.125(4) (West
2012)Minnesota
Regulated Loan Act
Statutory
Initial DisclosureTangible Net
Benefit Worksheet
Cx12531(upon request)
A residential mortgage originator or servicer (including a licensee under the Minnesota Residential Mortgage
Originator and Servicer Act), or an exempt
personBoth
A residential mortgage loan
which refinances a residential
mortgage loan
Residential real property,
improved (or intended to be improved) by a
structure of 1-to-4 family units
Not specified
Minn. Stat. Ann. § 58.13(1)(a)(25)
(West 2012)Minnesota Residential Mortgage
Originator and Servicer Licensing
Act
No
Initial Disclosure & Closing
MN Private Mortgage Insurance Disclosure
Cx2530 A servicerBoth
A residential mortgage loan
Residential real property, include
co-operatives
Annually. Must be given with
respect to each future residential
mortgage loan
Minn. Stat. Ann. § 47.207(3)(a) (West 2012)
Statutory
Property of DocuTech Corporation Page 137
Minnesota(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure, Processing,
Underwriting, & Closing
NMLS Unique Identifier
Disclosed on 1003 Uniform
Residential Loan Application
On Cx4193 (
FNMA/FHLMC)
Any person originating a residential mortgage
loanBoth
A residential mortgage loan
A dwelling (as defined in 15
USCA § 1602[v]) or residential real
estate upon which a dwelling is (or is intended
to be) constructed
On the application
Minn. Stat. Ann. § 58A.20 (West
2012)Minnesota
S.A.F.E. Mortgage Licensing Act of
2010
FNMA 1003 Form - Uniform Residential
Loan Application
Closing Truth-in-Lending Disclosure Cx18 (Federal)
A licensee under the Minnesota Regulated
Loan ActBoth
A loan Not specified At the time any loan is made
Minn. Stat. Ann. § 56.14(1)
Minnesota Regulated Loan
Act
12 CFR Pt. 1026, App. H; Form H-2
Closing
Purchase Money Caption on MN
Mortgage and MN Mortgage FHA
Cx332 (
FNMA/FHLMC) & Cx385 (FHA)
A mortgageeBoth
A purchase-money mortgage
Either: (1) a homestead; or (2)
real propertyOn the mortgage
Minn. Stat. Ann. §§ 507.02 &
507.03 (West 2012)
FNMA Form 3024
Closing
Copy of Note, Mortgage, and Notice of Sale
Clause in all MN Mortgages
Cx332 (
FNMA/FHLMC) & Cx490
A lenderBoth
A conventional loan, with an
original principal amount of less than $100,000 and excluding
FHA, VA, and RD loans
Real property containing 1 or
more residential units
On the mortgageMinn. Stat. Ann. §
47.20(8) (West 2012)
FNMA Form 3024
Property of DocuTech Corporation Page 138
Minnesota(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Closing
MN Notice of Right to
Discontinue Escrow
Cx1004A lender or a mortgage
brokerBoth
A mortgage loan, which includes a
conventional loan, but excludes
conventional loans with an LTV
exceeding 80% and FHA, VA, and
RD loans
A 1-to-4 family, owner occupied
residence
At or prior to closing
Minn. Stat. Ann. § 47.20(9)(b) (West
2012)Statutory
Closing MN Abstract of Title Notice Cx1600
A person who transfers or offers to transfer an
abstract titleBoth
Not specified, but practically a
mortgageReal estate
When transferring or
offering to transfer an
abstract of title.
Minn. Stat. Ann. § 386.375(3) (West
2012)
Available from the Department of
Commerce
ClosingMN Prepayment
Disclosure at Closing
Cx1893
A residential mortgage originator, including a
lender or a brokerBoth
A residential mortgage loan that contains a
prepayment penalty
Residential real property,
improved (or intended to be improved) by a
structure of 1-to-4 family units
Within 3 days before the
borrower signs the note
Minn. Stat. Ann. § 58.137(2)(b) (West 2012)Minnesota Residential Mortgage
Originator and Servicer Licensing
Act
Statutory
Property of DocuTech Corporation Page 139
Minnesota(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Closing MN Disclosure of Lenders
Cx5083 (upon request)
A residential mortgage originator (practically
applies only to brokers)Brokers
A residential mortgage loan
Residential real property,
improved (or intended to be improved) by a
structure of 1-to-4 family units
At the expiration of the originator
contract
Minn. Stat. Ann. § 58.16(7) (West
2012)Minnesota Residential Mortgage
Originator and Servicer Licensing
Act
No
Closing
Addendum to the Mortgage – Request for
Notice
Cx7787
A person having a redeemable interest in
the real propertyLenders
A mortgage Real property Not specifiedMinn. Stat. Ann. §
580.032 (West 2012)
No
ClosingMN Well
Disclosure Statement
Cx14301 (upon request)
A seller or the buyerBoth
Not specified, but practically a
purchase loan
Real property, excluding individual
condominium units
At the time of closing
Minn. Stat. Ann. § 103I.235 (West
2012)
Well Disclosure Certificate Form
Click here for Table of Contents
Property of DocuTech Corporation Page 140
Click here for Table of Contents
Mississippi(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureAnti-Coercion
Insurance Disclosure
Cx2778 A vendor or lenderBoth A loan of money Real property Not specified
Miss. Code Ann. § 83-5-35(h) (West
2012)No
Initial Disclosure
MS Mortgage Origination
Agreement/Fee Disclosure Agreement
Cx3315
A licensee under the Mississippi S.A.F.E.
Mortgage Act (Miss. Code Ann. §§ 81-18-1
through 81-18-63)Both
A residential mortgage loan
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
Not specified, but practically before performing any
origination services
Miss. Code Ann. § 81-18-33(a) (West 2012)Mississippi
S.A.F.E. Mortgage Act
Partial Statutory
MS Mortgage Origination
Agreement (in Quick Links)
Initial Disclosure Good Faith Estimate 01-01-10
Cx14221 (Federal)
A licensee under the Mississippi S.A.F.E.
Mortgage Act (Miss. Code Ann. §§ 81-18-1
through 81-18-63)Both
A residential mortgage loan
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
Not specified, but practically no later than 3
business days after receipt of an
application
Miss. Code Ann. § 81-18-33(d) (West 2012)Mississippi
S.A.F.E. Mortgage Act
12 CFR Pt. 1024, App. C
Property of DocuTech Corporation Page 141
Mississippi(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure MS Lock-in Agreement Cx16587
A licensee under the Mississippi S.A.F.E.
Mortgage Act (Miss. Code Ann. §§ 81-18-1
through 81-18-63)Both
A residential mortgage loan
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
Before collecting a lock-in fee
Miss. 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
Act
No
Initial Disclosure MS Insurance Disclosure UR
A financial institution offering,
recommending, sponsoring, or selling
insuranceBoth
A loan Not specified
Prior to or at the time of the
execution of any application for
insurance
Miss. Admin. Code 19-
1:23.11(A) & (B) (2012)
No
Initial Disclosure MS Insurance Disclosure Receipt UR
A financial institution offering,
recommending, sponsoring, or selling
insuranceBoth
A loan Not specified
Prior to or at the time of the
execution of any application for
insurance
Miss. Admin. Code 19-1:23.11
(2012)No
Property of DocuTech Corporation Page 142
Mississippi(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure, TILA Redisclosure, &
ClosingTILA Disclosures
Cx18, 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)Both
A residential mortgage loan
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
Various times
Miss. Code Ann. § 81-18-33(g) (West 2012)Mississippi
S.A.F.E. Mortgage Act
12 CFR Pt. 1026, App. H
Initial Disclosure, Processing,
Underwriting, & Closing
1003 Uniform Residential Loan
Application, including NMLS
Unique Identifier disclosed thereon
On 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)
Both
A residential mortgage loan
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
On the application
Miss. Code Ann. §§ 81-18-31(f)
and 81-18-33(b) & (h) (West 2012)
Mississippi S.A.F.E. Mortgage
Act
FNMA 1003 Form - Uniform Residential
Loan Application
Closing HUD-1 01-01-10 Cx14222 (Federal)
A licensee under the Mississippi S.A.F.E.
Mortgage Act (Miss. Code Ann. §§ 81-18-1
through 81-18-63)Both
A residential mortgage loan
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
Not specified, but practically at
closing
Miss. Code Ann. § 81-18-33(c) (West
2012)Mississippi
S.A.F.E. Mortgage Act
12 CFR Pt. 1024, App. A
Click here for Table of Contents
Property of DocuTech Corporation Page 143
Click here for Table of Contents
Missouri(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureAnti-Coercion
Insurance Disclosure
Cx2778
A person who lends money or extends
credit and who solicits insurance
Both
A credit extension, including a residential mortgage
Real property, including
residential property
Not specified, but practically before
closing
Mo. Ann. Stat. § 375.937(3) (West
2012)Unfair Trade Practice Act
No
Initial DisclosureAdvanced
Fee/Application Disclosure
Cx2783A state financial
institutionBoth
A loan, presumably a
residential real estate loan,
which generally excludes
refinances
Residential real estate, consisting of 1-to-4 family
units
Upon receipt of a written
application
Mo. Ann. Stat. § 408.580(2) (West
2012)No
Initial Disclosure
MO Loan Brokerage Disclosure
Statement and Agreement
Cx3328A residential mortgage
loan brokerBrokers
A residential mortgage loan
A dwelling or residential real
estate upon is (or is intended to be)
constructed a dwelling, as
defined by TILA
Not specified
Mo. Ann. Stat. § 443.867 (West
2012)Missouri Secure
and Fair Enforcement for
Mortgage Licensing Act
No
Initial Disclosure MO Lock-in Agreement Cx16677 A lender
LendersA residential
mortgage loan
A dwelling or residential real
estate upon is (or is intended to be)
constructed a dwelling, as
defined by TILA
Not specified, but practically before a rate-lock fee is
collected
Mo. Code Regs. Ann. tit. 20, § 1140-30.280
(2013)Missouri Secure
and Fair Enforcement for
Mortgage Licensing Act
No
Property of DocuTech Corporation Page 144
Missouri(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Adverse Action
Statement of Credit Denial,
Termination, or Change
Cx15858 (Federal)
A state financial institution
Both
A loan, presumably a
residential real estate loan,
which generally excludes
refinances
Residential real estate, consisting of 1-to-4 family
units
After rejection of a loan application
Mo. Ann. Stat. § 408.580(3) (West
2012)
12 CFR Pt. 1002, App. C; Form C-1
Initial Disclosure, Processing,
Underwriting, & Closing
NMLS Unique Identifier
Disclosed on 1003 Uniform
Residential Loan Application
On Cx4193 (FNMA/FHLMC)
Any person originating a residential mortgage
loanBoth
A residential mortgage loan
A dwelling or residential real
estate upon is (or is intended to be)
constructed a dwelling, as
defined by TILA
On the application
Mo. Ann. Stat. § 443.745 (West
2012)Missouri Secure
and Fair Enforcement for
Mortgage Licensing Act
FNMA 1003 Form - Uniform Residential
Loan Application
Closing
3200 Note Fixed, MO Deed of
Trust, MO Deed of Trust Second,
and MO Addendum to the
Note-Oral Agreement
Cx5 (
FNMA/FHLMC), Cx333
(FNMA/FHLMC), Cx491, Cx1056,
and Cx7789 (upon request)
A creditorBoth
A credit agreement,
which is a lending or forbearance of the repayment of money, extension of credit, or other
financial accommodation
Not specifiedNot specified, but
practically at closing
Mo. Ann. Stat. § 432.045 (West
2012)
Statutory
FNMA Form 3200FNMA Form 3026
Property of DocuTech Corporation Page 145
Missouri(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
ClosingAssignment, Sale,
or Transfer of Servicing
Cx21 (Federal)
A residential mortgage loan broker, who is licensed under the
Missouri Secure and Fair Enforcement for Mortgage Licensing
ActBoth
A residential mortgage (aka a
residential mortgage loan)
A dwelling or residential real
estate upon is (or is intended to be)
constructed a dwelling, as
defined by TILA
When the servicing of a
residential mortgage is
transferred or sold
Mo. Ann. Stat. § 443.861 (West
2012)Missouri Secure
and Fair Enforcement for
Mortgage Licensing Act
12 CFR Pt. 1024, App. MS-2
ClosingMO Deed of Trust
or MO Deed of Trust Second
Cx333 (FNMA/FHLMC)
or Cx491
A creditorBoth
A credit transaction in
which collateral insurance is
obtained
Not specifiedNot specified, but
practically at closing
Mo. Ann. Stat. § 427.120(2) (West
2012)Collateral
Protection Act
FNMA Form 3026
Closing
MO Collateral Protection Insurance Disclosure
Cx1005 A creditorBoth
A credit transaction in
which collateral insurance is
obtained
Not specifiedAt the time the
credit agreement is entered
Mo. Ann. Stat. § 427.120(3) (West
2012)Collateral
Protection Act
Statutory
ClosingMarried Wife
Notice in Acknowledgment
Cx7790 (upon request)
Not specifiedBoth An instrument Not specified
Not specified, but practically at
closing
Mo. Ann. Stat. § 442.210(4) (West
2012)No
Click here for Table of Contents
Property of DocuTech Corporation Page 146
Click here for Table of Contents
Montana(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureMT Mortgage
Loan Origination Disclosure
Cx2776
A mortgage loan originator working for
a mortgage broker, who is licensed under
the Montana Mortgage Act
Brokers
A 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
application
Mont. Code Ann. § 32-9-124(2) (West 2011);
Mont. Admin. R. 2.59.1737 (2012)
Montana Mortgage Act
Mortgage Loan Origination Disclosure
Initial DisclosureAnti-Coercion
Insurance Disclosure
Cx2778
A person who lends money or extends
credit and who solicits insurance on real
propertyBoth
A first-mortgage credit extension Real property
Not specified, but practically before
closing
Mont. Code Ann. § 33-18-501(3)
(West 2011)No
Property of DocuTech Corporation Page 147
Montana(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureMT Mortgage
Loan Rate Lock Commitment
Cx14844
A licensed mortgage lender under the
Montana Mortgage ActBoth
A 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 charged
Mont. Code Ann. § 32-9-148(3)(c)
(West 2011)Montana
Mortgage Act
No
Initial Disclosure MT Loan Commitment Cx15517
A licensed mortgage lender under the
Montana Mortgage ActBoth
A 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 charged
Mont. Code Ann. § 32-9-148(3)(d)
& (5) (West 2011)Montana
Mortgage Act
No
Closing MT Ack Real Prop is not exempt Cx1412 Not specified
Both Not specified
A homestead, consisting of a
dwelling house or mobile home
At closing
Mont. Code Ann. §§ 70-32-105, 70-32-106 & 70-32-107 (West 2011)
Declaration of Homestead Exemption
Click here for Table of Contents
Property of DocuTech Corporation Page 148
Click here for Table of Contents
Nebraska(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Initial DisclosureAnti-Coercion
Insurance Disclosure
Cx2778
A person who lends money or extends
creditLenders
A loan of money, extension of
credit, or renewal of an extension of
credit
Not specified Not specified
Neb. Rev. Stat. § 44-1526(1)
(West 2012)Unfair Insurance Trade Practices
Act
No
Initial DisclosureNE Loan Broker
Disclosure Statement
Cx3444 A loan brokerBrokers A loan of money Not specified
At least 48 hours before a borrower signs a brokerage
agreement.
Neb. Rev. Stat. § 45-191.01 (West
2012)No
Initial Disclosure NE Construction Loan Notice Cx4669
Any person, firm, or corporation lending
moneyBoth
A financing of the construction of improvements on real property
Real property
Before the disbursement of any proceeds under the
loan.
Neb. Rev. Stat. § 76-239.01 (West
2012)No
Initial Disclosure Dual Capacity Disclosure
Cx12999 (upon request)
A licensee under the Residential Mortgage
Licensing Act, who also acts as a real estate
broker or agentBoth
A residential mortgage loan,
that is connected to the sale of
real estate
A 1-to-4 unit dwelling or
residential real estate upon
which is (or will be constructed)
a dwelling
Before receiving compensation as a
mortgage banker or mortgage loan
originator
Neb. Rev. Stat. § 45-740(1)(g) (West 2012)Residential Mortgage
Licensing Act
No
Initial Disclosure, Processing,
Underwriting, & Closing
NMLS Unique Identifier
Disclosed on 1003 Uniform
Residential Loan Application
On Cx4193 (
FNMA/FHLMC)
A licensee under the Residential Mortgage
Licensing ActBoth
A residential mortgage loan
A 1-to-4 unit dwelling or
residential real estate upon
which is (or will be constructed)
a dwelling
On the application
Neb. Rev. Stat. § 45-736 (West
2012)Residential Mortgage
Licensing Act
FNMA 1003 Form - Uniform
Residential Loan Application
Property of DocuTech Corporation Page 149
Nebraska(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing Requirement Legal Reference Specific Language
Required
ClosingAssignment, Sale,
or Transfer of Servicing
Cx21 (Federal)
A licensee under the Residential Mortgage
Licensing ActBoth
A residential mortgage loan
A 1-to-4 unit dwelling or
residential real estate upon
which is (or will be constructed)
a dwelling
Not less than 15 days prior to the effective
date of the transfer of servicing rights
Neb. Rev. Stat. Ann. § 45-739 (West 2012)Residential Mortgage
Licensing Act
12 CFR Pt. 1024, App. MS-2
Closing
Notice to Cosigner on Fixed
Rate Note Nebraska Second
On Cx1061
A licensee under the Nebraska Installment
Loan ActBoth
A loan, the interest rate of which exceeds
16%
Not specified On a writing evidencing a loan
Neb. Rev. Stat. § 45-1055(1)
(West 2012)Nebraska
Installment Loan Act
Statutory
Closing NE Notice to Cosigner Cx13029
Not specified, but presumably a licensee
under the Nebraska Installment Loan Act
Both
A loan, the interest rate of which exceeds
16%
Not specified
Before or contemporaneously
with signing any agreement of loan.
Neb. Rev. Stat. § 45-1053 (West
2012)Nebraska
Installment Loan Act
No
Closing Request for Notice - NE Cx15163
Any person desiring a copy of any notice of
default and any notice of saleBoth
Not specified, but one in
connection with which a trust deed, which conveys real property to a
trustee, is made
Real property
Any 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 Act
Statutory
Click here for Table of Contents
Property of DocuTech Corporation Page 150
Click here for Table of Contents
Nevada(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal ReferenceSpecific Language
Required
Initial Disclosure NV Notice and Waiver Cx2772
A title insurer or title agent, who are
licensed under Chapter 692A of Nevada’s Revised Statutes
Both
A loan which is made
simultaneously with the
purchase of all or part of the real
property
Real property
Before the disbursement of loan proceeds or the issuance of the borrower’s
title policy.
Nev. Rev. Stat. § 692A.210 (West
2011)Statutory
Initial DisclosureAdvanced
Fee/Application Disclosure
Cx2783
Either: (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 person
Both
A loan secured by a lien on real
propertyReal property Before accepting
any advance fees
Nev. Rev. Stat. §§ 645B.165(3) &
645E.420(3) (West 2011)
No
Property of DocuTech Corporation Page 151
Nevada(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal ReferenceSpecific Language
Required
Initial Disclosure Anti-Coercion Insurance Disclosure Cx2788
Either: (1) a lender; or (2) a person
Both
Either: (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
property
Either: (1) home property; or (2)
real property Not specified
Nev. Rev. Stat. §§ 598D.100(1)(a),
686A.200 & 691A.030 (West
2011)Nevada
Insurance Code
No
Initial Disclosure NV Employee Disclosure Cx3839
A licensee under Chapter 645B of
Nevada’s Revised StatuesBrokers
A lien on real property Real property
Before the date that the loan is consummated.
Nev. Rev. Stat. § 645B.186 (West
2011); Nev. Admin. Code §
645B.210 (2012)
No
Property of DocuTech Corporation Page 152
Nevada(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal ReferenceSpecific Language
Required
Initial DisclosureNV
Acknowledgement of Dual Capacity
Cx13030
Either: (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
salespersonBoth
A loan secured by a lien on real
propertyReal property At the time of
application
Nev. Admin. Code §§
645B.235 & 645E.290 (2012); NV Reg. LCB File
No. R087-04
Borrower's Acknowledgment and Agreement Concerning Dual Capacity as Real
Estate Sales Agent and Mortgage Loan
Agent
Initial Disclosure Addendum to Loan Application Cx13441 Not specified
Both Not specified Not specifiedNot specified,
but practically at application
Nev. Rev. Stat. Ann. § 122A.200
(West 2011)No
Initial DisclosureNV Mortgage Broker
Compensation Disclosure
Cx14279
A mortgage broker, who is licensed under
Chapter 645B of Nevada’s Revised
StatutesBrokers
A loan secured by a lien on real
propertyReal property At any time prior
to consummation
Nev. Rev. Stat. Ann. § 645B.305 (West 2011); AB
513 Guidance Letter, Exhibit
NV12
Disclosure of Fees Earned by
Mortgage Broker
Property of DocuTech Corporation Page 153
Nevada(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal ReferenceSpecific Language
Required
Initial Disclosure, Processing,
Underwriting, & Closing
NMLS Unique Identifier or License Number Disclosed on 1003 Uniform Residential Loan
Application
On Cx4193 (
FNMA/FHLMC)
A mortgage broker, licensed under Chapter
645B of Nevada’s Revised Statutes
Both
A lien on real property Real property On the
application
Nev. Rev. Stat. § 645B.307 (West
2011)
FNMA 1003 Form - Uniform
Residential Loan Application
Initial Disclosure & Closing
NV Reasonable Means Disclosure Cx12913 A lender
Both
A 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 property Not specified
Nev. Rev. Stat. § 598D.100(1)(b)
(West 2011); Mortgage
Lending Division Letter 2007-2,
Exhibit A
Exhibit "A" - "Commercially
Reasonable Means or Mechanism"
Worksheet
Property of DocuTech Corporation Page 154
Nevada(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal ReferenceSpecific Language
Required
Closing
HOEPA Loan Legend on NV Deed of Trust or NV Deed of Trust
Second
Cx342 (
FNMA/FHLMC) or Cx500
Not specified, but most likely the
mortgageeBoth
A 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 property On the security instrument
Nev. Rev. Stat. Ann. §
598D.130(2) (West 2011)
FNMA Form 3029
Closing NV Affirmation Regarding SSN Cx11545
A person who records, files, or otherwise
submits any document to a governmental
agencyBoth
Not specified Not specified Not specified
Nev. Rev. Stat. Ann. §
239B.030(6) (West 2011)
No
Click here for Table of Contents
Property of DocuTech Corporation Page 155
Click here for Table of Contents
New Hampshire(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal ReferenceSpecific Language
Required
Initial Disclosure Anti-Coercion Insurance Cx3750 A creditor or a lender
Both
A purchase of real or personal
property or a lending of money on the security of real or personal
property
Real or personal property Not specified
N.H. Rev. Stat. Ann. § 417:4(XVI)
(2013)No
Initial Disclosure
Advanced Fee/Application Disclosure and
Good Faith Estimate 01-01-10
Cx2783 & Cx14221 (Federal)
A mortgage banker or a mortgage broker,
who is licensed under Chapter 397 of New Hampshire’s Revised
StatutesBoth
A mortgage loan
A dwelling, real property, or
residential real estate, of or upon any of which is a
1-to-4 family housing unit
Within 3 days of receipt of the
loan application
N.H. Rev. Stat. Ann. § 397-
A:16(I) (2013)
12 CFR Pt. 1024, App. C
Initial Disclosure Addendum to Loan Application Cx13441 Not specified
Both Not specified Not specified Not specifiedN.H. Rev. Stat. Ann. § 457:1-a
(2013)No
Initial DisclosureNH Disclosure of
Payment Application
Cx15935 (upon request)
A licensee under Chapter 397 of New Hampshire’s Revised
StatutesBoth
A mortgage loan
A dwelling, real property, or
residential real estate, of or upon any of which is a
1-to-4 family housing unit
At the time the loan application is
taken
N.H. Rev. Stat. Ann. § 397-
A:14(III) (2013)No
Property of DocuTech Corporation Page 156
New Hampshire(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal ReferenceSpecific Language
Required
Adverse Action
Statement of Credit, Denial, Termination or
Change
Cx15858 (Federal)
A user of a consumer reportBoth
Credit for personal, family,
or household purposes
Not specified
When credit or insurance is
denied or the charge for credit or insurance is
increased
N.H. Rev. Stat. Ann. § 359-B:15
(2013)Fair Credit
Reporting Act
12 CFR Pt. 1002, App. C
Initial Disclosure, Processing,
Underwriting, & Closing
NMLS Unique Identifier
Disclosed on 1003 Uniform
Residential Loan Application
On Cx4193 (
FNMA/FHLMC)
A licensee under Chapter 397 of New Hampshire’s Revised
StatutesBoth
A residential mortgage loan
A dwelling, real property, or
residential real estate, of or upon any of which is a
1-to-4 family housing unit
On the application
N.H. Rev. Stat. Ann. § 397-A:6(I)
(2013)
FNMA 1003 Form - Uniform Residential
Loan Application
Closing
Finance Change Statement in
Truth-in-Lending Disclosure
On Cx18 (Federal)
Any person engaged in the business of
extending creditBoth
Credit, including a residential
mortgage and a consumer credit
transaction
Not specified Concurrently with consummation
N.H. Rev. Stat. Ann. §§ 399-B:2
& 399-B:2-a (2013)
12 CFR Pt. 1026, App. H; Form H-2
Click here for Table of Contents
Property of DocuTech Corporation Page 157
Click here for Table of Contents
New Jersey(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureNJ Authorization
of Overnight Delivery Services
Cx1030 A lenderBoth
A mortgage loan, secured by a first mortgage on real
property and which has a closed-end
Real property on which there are 1-to-4 dwelling
units
Before delivery fees are charged.
N.J. Admin. Code § 3:1-16.2(a)(7)(i)
(2013)No
Initial DisclosureAdvanced
Fee/Application Disclosure
Cx2783 A lender or a brokerBoth
A mortgage loan, secured by a first mortgage on real
property and which has a closed-end
Real property on which there are 1-to-4 dwelling
units
Before accepting application and third party fees.
N.J. Admin. Code § 3:1-16.3(a)
(2013)No
Initial Disclosure NJ Choice of Insurer Notice Cx3850
A licensee under the New Jersey Residential Mortgage Lending Act
Both
A mortgage loan Property securing a mortgage loan Not specified
N.J. Stat. Ann. § 17:11C-73(d) (West 2013)New Jersey Residential Mortgage
Lending Act
Statutory
Initial Disclosure NJ Notice to Borrower Cx4440 A creditor
BothA high-cost home
loan
A 1-to-6 family dwelling which is
(or will be) occupied by a borrower as a
principal dwelling
At least 3 business days
prior to consummation.
N.J. Stat. Ann. § 46:10B-26(f) (West 2013)
New Jersey Home Ownership
Security Act of 2002
Statutory
Property of DocuTech Corporation Page 158
New Jersey(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure NJ Commitment Letter Cx4479 A lender
Both
Either: (1) a loan; or (2) a mortgage loan, secured by a first mortgage on real property and
which has a closed-end
Either: (1) real property; or (2) real property on which there are 1-to-4 dwelling
units
Not specified
N.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 Act
Partial Administrative
N.J. Dept. of Bank. and Ins., Bulletin
07-12
Initial Disclosure NJ Rate Lock – In Agreement Cx4480 A lender
Both
A mortgage loan, secured by a first mortgage on real
property and which has a closed-end
Real property on which there are 1-to-4 dwelling
units
Not specified, but practically more
than 3 days before closing
N.J. Admin. Code §§ 3:1-16.4 & 3:1-
16.6 (2013)No
Initial DisclosureNJ Right to
Choose Own Attorney
Cx5097Either: (1) a lender; or (2) a mortgage lender
Both
Either: (1) a loan; or (2) a secondary
mortgage loan
Either: (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
loan
N.J. Stat. Ann. § 46:10A-6 (West
2013); N.J. Admin. Code § 3:15-9.2(c)(4)
(2013)New Jersey Residential Mortgage
Lending Act
No
Initial Disclosure NJ Addendum to Loan Application Cx11886 Not specified
Both Not specified Not specified Not specifiedN.J. Stat. Ann. §§
37:1-31 & 37:1-33 (West 2013)
No
Property of DocuTech Corporation Page 159
New Jersey(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure Addendum to Loan Application Cx13441 Not specified
Both Not specified Not specifiedNot specified, but
practically at application
N.J. Stat. Ann. § 37:1-31 (West
2013)No
Initial Disclosure
Good Faith Estimate 01-01-10 and NJ Disclosure
Form
Cx14221 (Federal) &
Cx15059
A lenderBoth
A mortgage loan, secured by a first mortgage on real
property and which has a closed-end
Real property on which there are 1-to-4 dwelling
units
Within 3 business days after
receiving the borrower’s
application or before closing,
whichever is earlier
N.J. Admin. Code §§ 3:1-16.2 & 3:1-
16.3(d) (2013)
12 CFR Pt. 1024, App. C
N.J. Dept. of Bank. And Ins., Bulletin
10-17
Initial Disclosure, Processing,
Underwriting, & Closing
NMLS Unique Identifier
Disclosed on 1003 Uniform
Residential Loan Application
On 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 Act
Both
A 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
dwelling
On the application
N.J. Stat. Ann. § 17:11C-72 (West
2013)New Jersey Residential Mortgage
Lending Act
FNMA 1003 Form - Uniform Residential
Loan Application
Property of DocuTech Corporation Page 160
New Jersey(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
ClosingNJ Initial Tax
Authorization Notice
Cx1507
Either: (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
organizationsBoth
A mortgage loan
Either: (1) real property on
which there is (or will be) erected a 1-to-6 dwelling structure; or (2) land, including real property
When a mortgage escrow account is sold, assigned, or transferred to a
purchasing servicing
organization
N.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
Notice
ClosingNJ Private Well
Water Test Results
Cx4441 Not specifiedBoth
Every contract of sale of real
property (i.e. a purchase loan)
Real property At closing
N.J. Stat. Ann. § 58:12A-27 (West
2013)Private Well Testing Act
No
Click here for Table of Contents
Property of DocuTech Corporation Page 161
Click here for Table of Contents
New Mexico(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure
Mortgage Loan Company
Compensation on Initial Truth-in-
Lending Disclosure and
Good Faith Estimate 01-01-10
Cx1591 (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 Act
Both
Either: (1) a mortgage loan; or
(2) a residential mortgage loan
A 1-to-4 unit dwelling or
residential real estate upon
which is (or is intended to be) construction a
dwelling
At 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 Act
12 CFR Pt. 1024, App. C & Pt. 1026, App. H; Form H-2
Initial DisclosureNM High-Cost
Home Loan Notice to Borrower
Cx2747
A creditor or a mortgage loan
originatorBoth
A high-cost home loan
Real estate upon which there is (or will be) located a
1-to-4 family, borrower-occupied structure
At least 3 business days
prior to consummation
N.M. Stat. Ann. § 58-21A-5(e) (West 2012)Home Loan
Protection Act
Statutory
Initial DisclosureAdvanced
Fee/Application Disclosure
Cx2783
A licensee under the Mortgage Loan
Company Act (N.M. Stat. Ann. §§ 58-21-1
through 58-21-32)Both
A mortgage loan
A 1-to-4 unit dwelling or
residential real estate upon
which is (or will be) a dwelling
Not specified
N.M. Admin. Code 12.19.8.8(D)
(2) (2013)Mortgage Loan Company Act
No
Property of DocuTech Corporation Page 162
New Mexico(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureNM Freedom to
Choose Insurance Company
Cx2794 A lenderBoth
A loan of money secured by real or personal property
Real or personal property Not specified.
N.M. Stat. Ann. § 59A-16-14(A) (West 2012); N.M. Admin.
Code 13.7.2.8 (2013)
New Mexico Insurance Code
Administrative
Initial DisclosureNM Authorization
for Lender to Obtain Insurance
Cx2795 A lenderBoth A loan Real or personal
propertyAfter signing
Cx2794
N.M. Admin. Code 13.7.2.9
(2013)New Mexico
Insurance Code
Administrative
Initial Disclosure NM Attorney Preference Cx8809 Not specified
Both A home loan
Real estate upon which there is (or will be) a 1-to-4
family, borrower-occupied structure
Not specified
N.M. Stat. Ann. § 58-21A-3(M)(1)
(d)(8) (West 2012)
Home Loan Protection Act
No
Initial DisclosureTangible Net
Benefit Worksheet
Cx12531 (upon request)
A creditorBoth
A home loan which refinances
another home loan
Real estate upon which there is (or will be) a 1-to-4
family, borrower-occupied structure
Not specified
N.M. Stat. Ann. § 58-21A-4(b) (West 2012)Home Loan
Protection Act
No
Initial Disclosure Addendum to Loan Application Cx13441 Not specified
Both Not specified Not specifiedNot specified, but
practically at application
N.M. Stat. Ann. § 40-1-4 (West 2012); N.M. Attn’y Gen.
Opinion No. 11-01
No
Property of DocuTech Corporation Page 163
New Mexico(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure NM Rate Lock Disclosure
Cx14305 or Cx14725 (upon
request)
A mortgage loan company, licensed
under the Mortgage Loan Company Act
Both
A mortgage loan
A 1-to-4 unit dwelling or
residential real estate upon
which is (or is intended to be) construction a
dwelling
Not specified
N.M. Stat. Ann. § 58-21-31(B) & (F)
(West 2012); N.M. Admin.
Code 12.19.8.12(A)
(2013)Mortgage Loan Company Act
New Mexico Rate Lock/Float Disclosure
Initial Disclosure & TILA Redisclosure
Mortgage Loan Summary on Good Faith
Estimate 01-01-10 and Initial Truth-
In-Lending Disclosure
Cx1591 (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 ActBoth
Either: (1) a mortgage loan; or
(2) a residential mortgage loan
A 1-to-4 unit dwelling or
residential real estate upon
which is (or is intended to be) constructed a
dwelling
At 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 Act
12 CFR Pt. 1024, App. C & Pt. 1026,
App. H
Property of DocuTech Corporation Page 164
New Mexico(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure, Processing,
Underwriting, & Closing
NMLS Unique Identifier
Disclosed on 1003 Uniform
Residential Loan Application
On Cx4193 (
FNMA/FHLMC)
Any person originating a residential mortgage
loanBoth
A residential mortgage loan
A 1-ot-4 unit dwelling or
residential real estate upon
which is (or will be) a dwelling
On the application
N.M. Stat. Ann. § 58-21B-24 (West
2012)New Mexico
Mortgage Loan Originator
Licensing Act
FNMA 1003 Form - Uniform Residential
Loan Application
Click here for Table of Contents
Property of DocuTech Corporation Page 165
Click here for Table of Contents
New York(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure NY Lock-in Expiration Notice Cx1569
A mortgage banker licensed under Article 12-D of the Banking Law or an exempt
organizationLenders
A mortgage loan
Residential real property,
improved by a 1-to-4 family,
owner-occupied dwelling
Not 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 Law
No
Initial Disclosure NY Insurance Disclosure Cx1572
A mortgage banker licensed under Article 12-D of the Banking Law or an exempt
organizationLenders
A mortgage loan
Residential real property,
improved by a 1-to-4 family,
owner-occupied dwelling
At 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 Law
No
Property of DocuTech Corporation Page 166
New York(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure NY Interest Rate Disclosure Cx3572
Either: (1) a mortgage lending institution or a
mortgage banker licensed under Article 12-D of the Banking
Law; or (2) an exempt organization
Both
Either: (1) a loan secured by real
property used for residential
purposes; or (2) a mortgage loan
Either: (1) real property used for
residential purposes; or (2) Residential real
property, improved by a 1-
to-4 family, owner-occupied
dwelling
At application
N.Y. Banking Law § 9-o(2)
(McKinney 2013); N.Y. Comp. Codes R. & Regs. tit. 3, §
38.3(d) (2013)Banking Law
No
Initial Disclosure
NY Pre-Application
Disclosure and Fee Agreement
for Licensed Brokers
Cx3587
A mortgage broker, who is registered
under Article 12-D of the Banking Law
Brokers
A mortgage loan
Residential real property,
improved by a 1-to-4 family,
owner-occupied dwelling
Prior to taking an application or collecting an application,
credit report, or property
appraisal fee
N.Y. Comp. Codes R. & Regs. tit. 3, § 38.3(a)(1) (2013)
Banking Law
Pre-Application Disclosure and Fee
Agreement (brokers)
Initial Disclosure NY Interest Rate Lock Commitment Cx3588
A mortgage banker licensed under Article 12-D of the Banking Law or an exempt
organizationBoth
A mortgage loan, used to purchase a dwelling or in
which a commitment fee or paints are paid
to the lender
Residential real property,
improved by a 1-to-4 family,
owner-occupied dwelling
At 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 Law
New York Interest Rate Lock
Commitment
Initial Disclosure NY High Cost Loan Disclosure Cx3650
A mortgage broker or a lender, who is either
licensed under Article 12-D of the Banking
Law or who is an exempt organization
Both
A high cost home loan
Real estate upon which there is (or will be) located a
1-to-4 family, borrower-occupied structure
At or prior to taking an
application
N.Y. Comp. Codes R. & Regs. tit. 3, §
41.4(a) (2013)Banking Law
Administrative
Property of DocuTech Corporation Page 167
New York(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureNY High Cost Loan
Insurance Disclosure
Cx3673
A broker or a lender, who is either licensed under Article 12-D of the Banking Law or who is an exempt
organizationBoth
A high cost home loan
Real estate upon which there is (or will be) located a
1-to-4 family, borrower-occupied structure
At least 10 business days
before the loan is closed.
N.Y. Comp. Codes R. & Regs. tit. 3, § 41.5(b)(5) (2013)
Banking Law
No
Initial DisclosureNY High Cost Loan
Counseling Disclosure
Cx3674
A lender or mortgage broker, who are either licensed or registered under Article 12-D of the Banking Law or who are an exempt
organizationBoth
A high cost home loan
Real estate improved by a 1-
to-4 family, borrower-occupied structure
At the time of application
N.Y. Banking Law § 6-l(2)(l)(i)
(McKinney 2013); N.Y. Comp. Codes R. & Regs. tit. 3, § 41.3(a)(1) (2013)
Banking Law
Statutory & Administrative
Initial DisclosureNY Prevailing Interest Rate Commitment
Cx3710
A licensee under Article 12-D of the Banking Law (aka a
mortgage banker) or an exempt
organizationBoth
A mortgage loan
Residential real property,
consisting of real property
improved by a 1-to-4 family,
owner-occupied dwelling
Prior to acceptance of a
commitment fee, points, or other
discounts
N.Y. Comp. Codes R. & Regs. tit. 3, §
38.5 (2013)Banking Law
New York Prevailing Interest Rate Commitment
Property of DocuTech Corporation Page 168
New York(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureNY Balloon Payment
DisclosureCx4168 A lender
Both
Either: (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 rate
Real property improved by a 1-
to-4 family, owner-occupied
residence
Prior to accepting an application
N.Y. Comp. Codes R. & Regs. tit. 3, §§ 80.4(a) & (b)
and 82.6(a) & (b) (2013)
Banking Law
Administrative
Property of DocuTech Corporation Page 169
New York(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure NY Lock In Agreement Cx5099
A mortgage banker, who is licensed under
Article 12-D of the Banking Law or an
exempt organizationLenders
A mortgage loan
Residential real property,
consisting of real property
improved by a 1-to-4 family,
owner-occupied dwelling
Prior to taking any points or a
lock-in fee
N.Y. Comp. Codes R. & Regs. tit. 3, §
38.6 (2013)Banking Law
New York Lock-In Agreement
Initial Disclosure
NY Pre-Application
Disclosure for Licensed Bankers
Cx5100
A 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 capacityLenders
A mortgage loan
Residential real property,
consisting of real property
improved by a 1-to-4 family,
owner-occupied dwelling
Prior to taking an application or collecting an application,
credit report, or appraisal fee
N.Y. Comp. Codes R. & Regs. tit. 3, § 38.3(c)(1) (2013)
Banking Law
Pre-Application Disclosure and Fee
Agreement (brokers)
Initial Disclosure Junior Lien Disclosure Cx5283 A lender
Both
A 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 more
Real property improved by a 1-
to-4 family owner-occupied
residence
Prior to accepting an application.
N.Y. Comp. Codes R. & Regs. tit. 3,
§§ 80.4(c) & 80.10(b) (2012)
Banking Law
Administrative
Property of DocuTech Corporation Page 170
New York(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure NY Application Disclosure Cx9710
A mortgage banker, who is licensed under
Article 12-D of the Banking Law or an
exempt organizationLenders
A mortgage loan, used to finance
the purchase of a dwelling, or in
connection therewith
commitment fees or points are paid
prior to closing
Residential real property,
consisting of real property
improved by a 1-to-4 family,
owner-occupied dwelling
Prior to the taking of an application,
application fee, credit report fee,
or property appraisal fee
N.Y. Comp. Codes R. & Regs. tit 3, § 38.3(b)(1) (2013)
Banking Law
Partial Administrative
Initial Disclosure NY Consumer Caution Notice Cx12865
A lender or mortgage broker, who are either licensed or registered under Article 12-D of the Banking Law or who are an exempt
organizationBoth
A high cost home loan
Real estate improved by a 1-
to-4 family, borrower-occupied structure
Within 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 Law
Statutory & Administrative
Initial Disclosure NY Notice to Borrower Cx12870
A lender or a broker, who is either licensed
or registered under Article 12-D of the
Banking Law or who are an exempt organization
Both
A high cost home loan
Real estate upon which is (or will
be) a 1-to-4 family, borrower-
occupied structure
At 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 Law
Administrative
Property of DocuTech Corporation Page 171
New York(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure Addendum to Loan Application Cx13441 Not specified
Both Not specified Not specifiedNot specified, but
practically at application
N.Y. Dom. Rel. Law § 10-a
(McKinney 2013)Domestic
Relations Law
No
Initial Disclosure Good Faith Estimate 01-01-10
Cx14221 (Federal)
A mortgage broker, who is licensed under
Article 12-D of the Banking Law
Brokers
A home loan Not specifiedWithin 3 days
after receipt of application.
N.Y. Banking Law § 590-b(1)(e)
(McKinney 2012)Banking Law
12 CFR Pt. 1024, App. A
Initial DisclosureNY Subprime Loan
Counseling Disclosure
Cx14482
A lender or mortgage broker, who are
licensed or registered under Article 12-D of the Banking Law or who are an exempt
organizationBoth
A subprime home loan
Real estate improved by a 1-
to-4 family, owner-occupied
dwelling
At the time of application.
N.Y. Banking Law § 6-m(2)(j)
(McKinney 2012)Banking Law
Statutory
Initial Disclosure
NY FHA Mortgage Loan
Correspondent Disclosure
Cx14650A FHA mortgage loan
correspondentBoth
A mortgage loan
Residential real property,
improved by a 1-to-4 family,
owner-occupied dwelling
Prior to accepting an application, application fee,
credit report fee, or property
appraisal fee
N.Y. Comp. Codes R. Regs. tit. 3, § 38.13(d) (2013)
Banking Law
Administrative
Initial Disclosure NY Notice of Right to Select Attorney
Cx15665 (upon request)
A mortgage broker or mortgage banker
licensed or registered under Article 12-D of
the Banking Law, or an exempt organization
Both
A mortgage loan
Residential real property,
improved by a 1-to-4 family,
owner-occupied dwelling
Not specified
N.Y. Comp. Codes R. & Regs. tit. 3, § 38.7(a)(11) (2013)
Banking Law
No
Property of DocuTech Corporation Page 172
New York(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure
High Cost Tangible Net
Benefit Worksheet
Cx15773 (upon request)
A lender, who is either a licensed mortgage banker under Article 12-D of the Banking Law or an exempt
organizationBoth
A high cost home loan
Real estate upon which there is (or will be) a 1-to-4 family, owner-
occupied structure
Not specified
N.Y. Comp. Codes R. & Regs. tit. 3, § 41.5(b)(4) (2013)
Banking Law
No
Initial Disclosure NY Dual Capacity Disclosure Cx16585
A mortgage broker, mortgage banker, or
exempt entity acting as a mortgage broker, any of which is also
acting as a real estate brokerBrokers
A mortgage loan
Residential real property,
improved by a 1-to-4 family,
owner-occupied dwelling
At the first substantive
contact between the broker and the borrower.
N.Y. Comp. R. & Regs. tit. 3, § 38.12 (2013)Banking Law
Administrative
Initial Disclosure
NY Non-Purchase Residential
Mortgage Loan Disclosure
Cx17012 (upon request)
A mortgage banker licensed under Article 12-D of the Banking Law or an exempt
organizationLenders
A mortgage loan, the proceeds of
which are not for purchasing or construction
purposes and in connection
therewith no commitment fees or points are paid
to the lender prior to closing
Residential real property,
improved by a 1-to-4 family,
owner-occupied dwelling
At loan approval
N.Y. Comp. Codes R. & Regs. tit. 3, §
38.4(b) (2013)Banking Law
No
Property of DocuTech Corporation Page 173
New York(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Adverse Action
Statement of Credit Denial,
Termination or Charge
Cx15858 (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 creditorBoth
Either: (1) a mortgage loan; or
(2) creditReal property Not specified
N.Y. Banking Law § 6-d (McKinney 2012); N.Y. Exec. Law § 296-a(4)
(McKinney 2012)Banking Law and
Executive Law
12 CFR Pt. 1002, App. C; Form C-1
Initial Disclosure & Closing
Copy of Appraisal Report Notice Cx6 (Federal) A lender
Both
A loan or forbearance
secured primarily by an interest in
real property
Real property Not specified
N.Y. Real Prop. Law § 254-C(1)
(McKinney 2012)Real Property
Law
12 CFR Pt. 1002, App. C; Form C-9
Initial Disclosure & Closing
Various TILA Disclosures
Cx18, 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 Law
Both
A mortgage loan, which is a
primary lien, which has a
principal amount of less than
$250,000, and which has an
adjustable interest rate
Real property, consisting of 1-to-
4 family residences
occupied by the owner
Prior to accepting an application for
a loan
N.Y. Comp. Codes R & Regs. tit. 3, §§ 82.6 & 82.9
(2012)Bonking Law
12 CFR Pt. 1026, App. H
Property of DocuTech Corporation Page 174
New York(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure & Closing
NY Fair Credit Reporting Act
DisclosureCx3576
A person who intends to use a consumer
credit report in connection with a credit transaction
involving the consumer
Both
An extension of credit Not specified
Before a person requests a
consumer report.
N.Y. Gen. Bus. Law § 380-b
(McKinney 2012)Fair Credit
Reporting Act
No
Initial Disclosure, Processing,
Underwriting, & Closing
NMLS Unique Identifier
Disclosed on 1003 Uniform
Residential Loan Application
On Cx4193 (FNMA/FHLMC)
Any person originating a residential mortgage
loanBoth
A residential mortgage loan
A dwelling (as defined in Section 1203[v] of TILA),
or residential real property, which is improved by a 1-
to-4 family residence
On the application
N.Y. Banking Law § 599-P
(McKinney 2012)Banking Law
FNMA 1003 Form - Uniform Residential
Loan Application
Initial Disclosure & Closing
Credit Score Disclosure – B-
3/H-3
Cx15312 (Federal)
A banking organization and licensed mortgage banker under Article 12-D of the Banking
Law which originates mortgage loans
Both
A mortgage loan Real property
Not specified, but practically after
approving a loan with materially less favorable
terms than normal
N.Y. Banking Law § 6-d (McKinney
2012)Banking Law
12 CFR Pt. 1022, App. H; 16 CFR Pt. 698, App. B; Form
B-3/H-3
Closing
Subprime or High-Cost Home Loan
Legend on NY Mortgages
On Cx343 (
FNMA/FHLMC), Cx396 (FHA),
Cx501, Cx16198, &
Cx16245
Not specifiedBoth
A high-cost home loan or a
subprime home loan
Real estate improved by a 1-to-4 unit family dwelling used as the borrower’s
principal dwelling
On the mortgage
N.Y. Banking Law §§ 6-l(2-a)(a) & 6-m(5) (McKinney
2012); N.Y. Comp. R. & Regs. tit. 3, §
41.7 (2013)Banking Law
Statutory
FNMA Instructions to Form 3033
Property of DocuTech Corporation Page 175
New York(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Closing Fixed Rate Note New York Second On Cx1066
A licensee (aka mortgage banker) under Article 12-D,
Chapter 2 of the Banking Law
Both
A junior mortgage loan
Residential real property,
consisting of real property
improved by a 1-to-4 family
On the note
N.Y. Banking Law § 590-A(2)
(McKinney 2012)Banking Law
No
Closing NY Smoke Alarm Affidavit Cx1419 The seller
Both
A conveyance (i.e. a purchase
loan)
Real property containing a 1-to-2 family dwelling
or condo unit used as a residence
Grantor provides at the time of conveyance
N.Y. Exec. Law § 378(5-b)(d)
(McKinney 2012)New York State
Uniform Fire Prevention and
Building Code Act
No
Closing
NY Consolidation, Extension and Modification Agreement
Cx1583 Not specifiedBoth
A refinance mortgage
(sometimes a purchase money
mortgage)
Real property At closing
N.Y. Tax Law §§ 250 through 267 (McKinney 2012);
FNMA 2013 Selling Guide, B8-
2-02
New York Consolidation, Extension, and Modification Agreement
Closing
New York Notice of Creation, Transfer, or
Termination of Tax
Cx2075 (upon request)
A mortgage investing institution
Both
A loan with a real property tax
escrow account
A 1-to-6 family, owner-occupied
residence
No later than the 25th day of each
month
N.Y. Real Prop. Tax Law § 953(9) (McKinney 2012)
RP-953 Notice of Change in Status of
Tax Escrow Account
ClosingNY Tax Escrow
Account Designation
Cx2657
Not specified, but practically a mortgage
investing institutionBoth
A loan with a real property tax
escrow account
A 1-to-6 family, owner-occupied
residenceNot specified
N.Y. Real Prop. Tax § 954(1)
(McKinney 2012)
RP-954 Tax Escrow Account
Designation of Mortgage Investing
Institution to Receive Tax Bills
Property of DocuTech Corporation Page 176
New York(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Closing NY Notice to Cosigner Cx12871 A creditor
BothA consumer
credit transaction Not specified At closingN.Y. Gen. Oblig. Law § 15-702(3) (McKinney 2012)
Statutory
Closing
NY Property Insurance Escrow
Account Disclosure
Cx15034
A mortgage investing institution
Both
A loan with a real property
insurance escrow account
A 1-to-4 family, owner-occupied
residence
At the time of the establishment of the real property insurance escrow
account.
N.Y. Banking Law § 6-k(2)(f)
(McKinney 2012)Banking Law
Statutory
Click here for Table of Contents
Click here for Table of Contents
North Carolina
(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure NC Notice of Information Cx1271 A lender
Both
A home loan, which is a first lien loan with a
principal amount of less than $300,000
Real estate upon which there is located 1-to-4
family dwellings or dwelling units
Not 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 & Examples
Property of DocuTech Corporation Page 177
North Carolina
(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure Anti-Coercion Insurance Disclosure Cx2778
Either: (1) a person, firm, or corporation engaged in lending
money; or (2) a creditor
Both
A loan for the purchase of
property or a loan of money on the security
of a security instrument on the property
Real or personal property Not specified
N.C. Gen. Stat. §§ 75-17, 75-18, & 58-57-65 (West
2012)
No
Initial Disclosure Right to Choose Attorney Cx3846 Not specified
BothA high-cost home loan
A manufactured home or real
estate with 1-to-4 dwelling units occupied as the
borrower’s principal dwelling
Not specified
N.C. Gen. Stat. Ann. § 24-1.1E(a)
(5)(b)(ii) (West 2012)
No
Initial Disclosure
NC Acknowledgement of Fixed Rate Loan Terms and Costs
Cx13327
Any person in the course of any
residential loan transaction
Both
A residential mortgage loan, which is also a
rate spread adjustable rate
loan
A dwelling, consisting of 1-to-4 units, or
residential real estate upon
which is (or is intended to be)
a dwelling
Not 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 Act
No
Property of DocuTech Corporation Page 178
North Carolina
(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure & Closing
Copy of Appraisal Report Notice Cx6 (Federal)
A bank, savings and loan association,
savings bank, or credit unionBoth
A loan secured by real property Real property Not specified
N.C. Gen. Stat. Ann. § 24-10(h)
(West 2012)
12 CFR Pt. 1002, App. C
Initial Disclosure, Processing,
Underwriting, & Closing
NMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan
Application
On Cx4193 (
FNMA/FHLMC)
A mortgage loan originator or other
person engaged in the mortgage business
Both
A residential mortgage loan
A dwelling, consisting of 1-to-4 units, or
residential real estate upon
which is (or is intended to be)
a dwelling
On the application
N.C. Gen. Stat. Ann. § 53-
244.107 (West 2012)
North Carolina Secure and Fair
Enforcement (S.A.F.E.)
Mortgage Licensing Act
FNMA 1003 Form - Uniform Residential
Loan Application
Initial Disclosure & Processing
NC Fee Information From Your Mortgage
Broker
Cx15944 (upon request)
A mortgage brokerBrokers
A residential mortgage loan
A dwelling, consisting of 1-to-4 units, or
residential real estate upon
which is (or is intended to be)
a dwelling
In a timely manner
N.C. Gen. Stat. Ann. § 53-
244.109(5) (West 2012)
North Carolina Secure and Fair
Enforcement (S.A.F.E.)
Mortgage Licensing Act
Model Mortgage Broker Disclosure
Form
Property of DocuTech Corporation Page 179
North Carolina
(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Closing NC Tangible Net Benefit Worksheet Cx2031 A lender
Both
A consumer home loan which
refinances another
consumer home loan
Real estate with 1-to-4 units which is the borrower’s
principal dwelling
Not specifiedN.C. Gen. Stat. § 24-10.2(c) (West
2012)No
Click here for Table of Contents
Click here for Table of Contents
North Dakota(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure ND VA Loan Applicants Disclosure
Cx1602 A lenderLenders
A mortgage loan insured or
guaranteed by the United States
Real property .At application N.D. Cent. Code Ann. § 35-03-01.3
(West 2012)
Statutory
Property of DocuTech Corporation Page 180
North Dakota(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Veteran’s Administration
Initial Disclosure ND Money Broker Contract Cx1904 A money broker
Brokers A loan Not specified
Before the money broker performs any services for a
potential borrower
N.D. Admin. Code §§ 13-05-01-02, 13-05-01-05, &
13-05-01-09 (2013)
Partial Administrative
Initial DisclosureND Money Broker
Loan Disclosure Statement
Cx1905 A money brokerBrokers A loan Not specified When a loan is
arranged
N.D. Admin. Code 13-05-01-03 &
13-05-01-04 (2013)
Partial Statutory
Initial DisclosureAnti-Coercion
Insurance Disclosure
Cx2778 A personBoth
A purchase loan or a lending of money on the
security of property
Property Not specifiedN.D. Cent. Code
Ann. § 26.1-04-04 (West 2012)
No
Initial Disclosure, Processing,
Underwriting, & Closing
NMLS Unique Identifier
Disclosed on 1003 Uniform
Residential Loan Application
On Cx4193 (
FNMA/FHLMC)
Any person originating a residential mortgage
loanBoth
A residential mortgage loan
A dwelling (as defined as
Section 103[v] of TILA) or
residential real estate upon
which is (or is intended to be) a
dwelling
On the application
N.D. Cent. Code Ann. § 13-10-21
(West 2012)
FNMA 1003 Form - Uniform Residential
Loan Application
Click here for Table of Contents
Click here for Table of Contents
Property of DocuTech Corporation Page 181
Ohio(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure Anti-Coercion Insurance Disclosure Cx2778 A person
Both
A lending of money,
extension of credit, renewal of an extension of credit, or a
residential mortgage
Residential and real property,
including a mobile or
manufactured home
Not specifiedOhio Rev. Code Ann.
§§ 3901.211 & 3933.04 (West 2012)
No
Initial Disclosure Section 32 Mortgage Loan Disclosure
Cx2790 (Federal)
A creditorBoth A covered loan
A consumer’s principal dwelling
No less than 3 business days
prior to consummation
Ohio Rev. Code Ann. § 1349.26 (West
2012)
HOEPA Disclosure
Requirements
Initial DisclosureOH Mortgage Loan
Origination Disclosure
Cx3472
Either: (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)
Brokers
A 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
dwelling
Within 3 business days after taking
an application
Ohio 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 Disclosure
Cx3843
A lending institution, service corporation, or any person engaged in providing real estate brokerage services
Both
A real estate loan Real estate Not specified
Ohio Rev. Code Ann. § 1349.11 (West
2012)No
Property of DocuTech Corporation Page 182
Ohio(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureOH Addendum to
Uniform Residential Loan Application
Cx4689 A creditorBoth Credit Not specified At application
Ohio Rev. Code Ann. § 4112.021(B)(1)(g)
(West 2012)Statutory
Initial Disclosure OH Escrow Account Disclosure Cx11197
A licensee or registrant under Chapter 1321,
Title 13 of Ohio’s Revised Code (aka the
Mortgage Loan Act)Lenders
A non-brokered loan secured by
a lien on real property
Real property
Not earlier than 3 business days nor
late than 24 hours before
closing
Ohio Rev. Code Ann. § 1321.592(A) (West
2012)Mortgage Loan Act
Notice of Escrow Taxes/Insurance
and Regular Monthly Payment
Initial Disclosure OH High Loan to Value Disclosure Cx11198
Either: (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)
Both
A residential mortgage loan which exceeds
90% LTV
A dwelling (as defined in
Section 103 of TILA) or
residential real estate upon
which is (or is intended to be) constructed a
dwelling
Within 3 business days after taking
an application
Ohio Rev. Code Ann. §§ 1321.592(B) & 1322.062(A)(1)(J)
(West 2012)Mortgage Loan Act
and Mortgage Broker Act
High Loan to Value Disclosure
Initial Disclosure
OH Addendum to the GFE and Good Faith Estimate 01-
01-10
Cx11204 & Cx14221 (Federal)
A licensee or a registrant under
Chapter 1322, Title 13 of Ohio’s Revised Code
(aka the Mortgage Broker Act)
Both
A 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
dwelling
Within 3 business days after taking
an application
Ohio Rev. Code Ann. § 1322.062(D) (West 2012); Ohio Admin.
Code 1301:8-7-15(D) (2012)
Mortgage Broker Act
Mortgage Loan Origination Disclosure Statement [MLODS]
Addendum
12 CFR Pt. 1024, App. C
Property of DocuTech Corporation Page 183
Ohio(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure OH Escrow Account Disclosure Cx11205
A licensee or a registrant under
Chapter 1322, Title 13 of Ohio’s Revised Code
(aka the Mortgage Broker Act)
Brokers
A 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
dwelling
Not earlier than 3 business days nor
later than 24 hours before
closing
Ohio Rev. Code Ann. § 1322.063 (West
2012)Mortgage Broker Act
Escrow of Taxes & Regular Monthly
Payment
Initial DisclosureOH Business Relationship
Disclosure NoticeCx12271
A 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 licensedBoth
A 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
dwelling
Before 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 Act
Business Relationships
Disclosure Notice
Initial DisclosureOhio Notice of
Change in Mortgage Terms
Cx12463 (upon
request)
A licensee or a registrant under
Chapter 1322, Title 13 of Ohio’s Revised Code
(aka the Mortgage Broker Act)
Both
A 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
dwelling
Not 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 Act
Notice of Change in Mortgage
Terms
Property of DocuTech Corporation Page 184
Ohio(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure Tangible Net Benefit Worksheet
Cx12531 (upon
request)
A creditorBoth
A covered loan which refinances another covered
loan within 1 year, excluding a
residential mortgage
transaction
Property used as the consumer’s
principal dwelling
Not specifiedOhio Code Ann. § 1349.27(G) (West
2012)No
Initial Disclosure
OH Verification of Prepurchase
Counseling and Acknowledgment of
Risk Disclosure
Cx13488 A creditorBoth
A covered loan, excluding a residential mortgage
transaction
Property used as the consumer’s
principal dwelling
Before consummation
Ohio Rev. Code Ann. § 1349.27(K) (West
2012)
Prepurchase Counseling Verification
Initial Disclosure OH Conflict of Interest Disclosure
Cx13605 (upon
request)
A registrant under the Second Mortgage Loan
Act (Ohio Rev. Code Ann. §§ 1321.51
through 1321.60)Both
A 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
dwelling
Prior to furnishing or
placing insurance
Ohio Admin. Code 1301:8-3-17(D)
(2012)Second Mortgage
Loan Act
No
Property of DocuTech Corporation Page 185
Ohio(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure Ohio Insurance Notice to Applicant
Cx13606 (upon
request)
A registrant under the Second Mortgage Loan
Act (Ohio Rev. Code Ann. §§ 1321.51
through 1321.60)Both
A 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
dwelling
At the time the loan is made
Ohio Admin. Code 1301:8-3-17(B)
(2012)Second Mortgage
Loan Act
No
Initial Disclosure & Closing
OH Homebuyers’ Protection Act Cx11195
A supplier (i.e. a loan officer, mortgage
broker, or nonbank mortgage lender)
Both
A residential mortgage
Real property containing (or
which shall contain) 1-to-2 residential units
At 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
Document
Initial Disclosure & Closing
OH Acknowledgement of Receipt of Home
Mortgage Loan Informational
Document
Cx12447
A supplier (i.e. a loan officer, mortgage
broker, or nonbank mortgage lender)
Both
A residential mortgage
Real property containing (or
which shall contain) 1-to-2 residential units
At 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 Document
Property of DocuTech Corporation Page 186
Ohio(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosures & Closing
OH Promise to Refinance Loan
Cx16235 (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 proprietor
Both
A 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
dwelling
At the time the indebtedness is
incurred
Ohio Rev. Code Ann. § 1322.07(H) (West
2012)Mortgage Broker Act
No
Closing OH Closing Disclosure Cx11267
A supplier (i.e. a loan officer, mortgage
broker, or nonbank mortgage lender)
Both
A consumer transaction
connected with a residential mortgage
Real property containing (or
which shall contain) 1-to-2 residential units
At closing
Ohio Rev. Code Ann. § 1345.031(B)(8)
(West 2012); Ohio Admin. Code 109:4-3-23 & 109:4-3-23 Appendix (2012)
Closing Disclosure Form
Closing OH Statutory Authority Disclosure Cx13536
A registrant under the Second Mortgage Loan
Act (Ohio Rev. Code Ann. §§ 1321.51
through 1321.60)Both
A 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
dwelling
With the loan documents
Ohio Admin. Code 1301:8-3-07(H)
(2012)Second Mortgage
Loan Act
No
Property of DocuTech Corporation Page 187
Ohio(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Closing OH ARM Disclosure Cx13537
A registrant under the Second Mortgage Loan
Act (Ohio Rev. Code Ann. §§ 1321.51
through 1321.60)Both
A 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
dwelling
At least 6 months, but not
more than 7 months, in
advance of the initial scheduled
interest reset date
Ohio Admin. Code 1301:8-3-07(G)(3)
(2012)Second Mortgage
Loan Act
No
Closing OH Optional Credit Insurance Cx16236 Not specified
A loan or credit transaction,
which is generally
secured by a junior lien
Not specifiedAt the time the indebtedness is
incurred
Ohio Rev. Code Ann. § 3918.06(D) (West 2012); Ohio Admin. Code 3901-1-14(B)
(4) & 3901-1-14, App. I (2012)
Administrative
Click here for Table of Contents
Click here for Table of Contents
Property of DocuTech Corporation Page 188
Oklahoma(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureAnti-Coercion
Insurance Disclosure
Cx2788
Either: (1) any person who is engaged in the business of insurance;
or (2) a lenderBoth
Either: (1) a loan of money upon the security of
real or personal property; or (2)
a residential mortgage
Real or personal property, including
residential property
Not specified
Okla. Stat. Ann. tit. 36, §§ 1204(9) & 3639.3 (West
2012)Oklahoma
Insurance Code
No
Initial Disclosure OK Insurance Notice to Obligor Cx3324 A creditor
BothA Subsection 10
mortgageA consumer’s
principal dwellingNo later than the
time of closing
Okla. Stat. Ann. tit. 14A, § 4-113
(West 2012)Uniform
Consumer Credit Code - Loans
Statutory
Initial DisclosureOK Subsection 10
Mortgage Loan Disclosure
Cx3325 A creditorBoth
A Subsection 10 mortgage
A consumer’s principal dwelling
Not less than 3 business days
prior to consummation.
Okla. Stat. Ann. tit. 14A, § 3-
309.4(1) (West 2012)
Uniform Consumer Credit
Code - Loans
Statutory
Initial Disclosure OK Title Protection Notice Cx3851 A mortgagee
Both
A 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 loan
At the time of application
Okla. Stat. Ann. tit. 46, § 20 (West
2012)No
Property of DocuTech Corporation Page 189
Oklahoma(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure
Good Faith Estimate 01-01-10
and other Initial RESPA Disclosures
Cx14221 and other RESPA
Disclosures (all Federal)
A mortgage broker or mortgage loan
originatorBoth
A 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 such a dwelling
Upon receipt of a loan application
and before receipt of any money from a
borrower
Okla. Stat. Ann. tit. 59, §
2095.15(B) (West 2012)
Oklahoma Secure and Fair
Enforcement for Mortgage
Licensing Act
12 CFR Pt. 1024, Appendices
Initial DisclosureTangible Net
Benefit Worksheet
Cx15773 (upon request)
A creditorBoth
A “Subsection 10” mortgage, which
refinances a consumer loan in which the value
of the collateral is substantial in relation to the
loan amount and the finance
charge exceeds 13% per year.
A consumer’s principal dwelling Not specified
Okla. Stat. Ann. tit. 14A, § 3-411
(West 2012)Uniform
Consumer Credit Code - Loans
No
Initial Disclosure Cost of Insurance Disclosure Cx16488 A lender
Both
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.
An interest in land
Not specified, but practically before assessing charges
for additional insurances
Okla. Stat. Ann. tit. 14A, § 3-
202(3)(a) & (3)(b) (West 2012)
Uniform Consumer Credit
Code - Loans
No
Property of DocuTech Corporation Page 190
Oklahoma(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLenders/Brokers/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure, TILA Redisclosure, &
Closing
All TILA Disclosures
Cx18, Cx1591, and other TILA Disclosures (all
Federal)
A lenderBoth
A consumer loan, in which the value of the collateral is
substantial in relation to the loan amount
An interest in land, including the borrower’s
principal dwelling
Various
Okla. Stat. Ann. tit. 14A, §§ 3-301
through 313 (West 2012)
Uniform Consumer Credit
Code - Loans
12 CFR Pt. 1026, App. G & H
Initial Disclosure, Processing,
Underwriting, & Closing
NMLS Unique Identifier
Disclosed on 1003 Uniform
Residential Loan Application
On Cx4193 (
FNMA/FHLMC)
A licensed mortgage broker or mortgage
loan originator under the Oklahoma Secure and Fair Enforcement
for Mortgage Licensing Act
Both
A 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 such a dwelling
On the application
Okla. Stat. Ann. tit. 59, § 2095.4
(West 2012)Oklahoma Secure
and Fair Enforcement for
Mortgage Licensing Act
FNMA 1003 Form - Uniform Residential
Loan Application
Click here for Table of Contents
Property of DocuTech Corporation Page 191
Click here for Table of Contents
Oregon(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureServicing
Disclosure Statement
Cx20 (Federal)A person in connection with a mortgage loan
BothA mortgage loan Real estate Not specified
Or. Admin. R. 441-870-0070(1)
(2012)Oregon Mortgage
Lender Law
12 CFR Pt. 1024, App. MS-1
Initial DisclosureOR Escrow
Account Statement
Cx2761A mortgage servicing
companyBoth
A real estate loan of $100,000 or
less
Residential property, including
multifamily property,
occupied by borrower
Prior to entering into a real estate loan agreement
Or. Rev. Stat. Ann. § 86.270 (West 2012)
No
Initial DisclosureOR Escrow
Account Option Notice
Cx2775 A lenderBoth
A real estate loan of $100,000 or
less
Residential property, including
multifamily property,
occupied by borrower
Before arranging for prepayments
of taxes, insurance, and similar charges.
Or. Rev. Stat. Ann. § 86.255 (West 2012)
No
Initial DisclosureAnti-Coercion
Insurance Disclosure
Cx2778A depository
institutionBoth
A loan of money or extension of
creditProperty Not specified
Or. Rev. Stat. Ann. § 746.215
(West 2012)No
Initial DisclosureAdvanced
Fee/Application Disclosure
Cx2783A mortgage banker or
mortgage brokerBoth
Not specified Not specifiedPrior to or at the time of receipt of
advance fees.
Or. Admin. R. 441-875-0030(8)
(2012)No
Property of DocuTech Corporation Page 192
Oregon(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure OR Float or Lock Agreement Cx4297
A mortgage banker, mortgage broker, or
mortgage loan originator
Both
Residential or single family
loansNot specified Not specified
Or. Admin. R. 441-850-
0005(21), 441-865-0060(1)(c), & 441-870-0030(2)
(2012)
Interest Rate Lock/Float
Agreement 440-4828
Initial Disclosure OR Late Charge Notice Cx4679
A lender, except for a mortgage banking or mortgage servicing
companyBoth
A loan secured by residential real
property
Residential real property
Prior to execution of the mortgage
Or. Rev. Stat. Ann. §§ 86.165 &
86.180 (West 2012)
No
Initial Disclosure Addendum to Loan Application Cx13441 Not specified
Both Not specified Not specifiedNot specified, but
practically with the application
Or. Rev. Stat. Ann. § 106.340
(West 2012)Oregon Family
Fairness Act
No
Initial DisclosureOR Conflict of
Interest Disclosure
Cx13604 (upon request)
A person, mortgage banker or mortgage broker, or mortgage
loan originatorBoth
A mortgage loan Not specifiedBefore
negotiating loan terms.
Or. Admin. R. 441-870-0030(4)
(2012)No
Initial Disclosure
OR Spanish Good Faith Estimate,
Spanish General Disclosure, &
Spanish Truth-in-Lending
Disclosure
Cx15656, Cx15657, & Cx15658 (all
Spanish)
A mortgage banker, mortgage broker, or
mortgage loan originator
Both
A residential mortgage
transaction
Property upon which is a 1-to-4
residential dwelling units
When soliciting or negotiating
business with a borrower in
Spanish
Or. Rev. Stat. Ann. § 86A.198
(West 2012)Oregon Mortgage
Lender Law
Model Forms
Property of DocuTech Corporation Page 193
Oregon(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure, Processing,
Underwriting, & Closing
NMLS Unique Identifier
Disclosed on 1003 Uniform
Residential Loan Application
On Cx4193 (FNMA/FHLMC)
A licensed mortgage loan originator under Chapter 86A, Title 9 of
Oregon’s Revised Statutes
Both
A residential mortgage loan
Property upon which is a 1-to-4
residential dwelling units
On the application
Or. Rev. Stat. Ann. § 86A.239
(West 2012)
FNMA 1003 Form - Uniform Residential
Loan Application
Initial Disclosure, TILA Redisclosure, &
Closing
Itemization of Amount Financed
01-01-10
Cx14644 (Federal)
A licensee under the Oregon Consumer
Finance Act(Or. Rev. Stat. Ann. §§
725.010 through 725.990)
Both
A loan, which is subject to the
Oregon Consumer
Finance Act (a consumer finance
loan)
Real property At the time each loan is made
Or. Admin. R. 441-730-0240
(2012)Oregon Consumer
Finance Act
12 CFR Pt. 1026, App. H; Form H-3
Closing Prepayment Note Addendum Cx31
Any person making a loan, including a lender
Both
Loans, including mortgage loans
and loans of more than 3
years secured by a mortgage
Real property With the loan agreement
Or. Rev. Stat. Ann. §§ 82.160,
82.170, & 86.150 (West 2012); Or. Admin. R. 441-
870-0040 (2012)
Partial Statutory
Partial Administrative
Closing All Oregon Deeds of Trust
Cx346 (
FNMA/FHLMC), 399 (FHA), 504,
& 1370
Not specifiedBoth Not specified Real estate
An instrument is presented to a county clerk for
recording
Or. Rev. Stat. Ann. § 205.234
(West 2012)
No
FNMA Form 3038
Closing
OR Collateral Protection Insurance Disclosure
Cx1007 The secured partyBoth A loan Real property
With the contract or loan
agreement
Or. Rev. Stat. Ann. § 746.201
(West 2012)Statutory
Property of DocuTech Corporation Page 194
Oregon(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Closing HUD-1 01-01-10 Cx14222 (Federal)
A licensee under the Oregon Consumer
Finance ActBoth
A loan, presumably a
consumer finance loan
Real property At the time any loan is made
Or. Rev. Stat. Ann. § 725.360(1)
(West 2012)Oregon Consumer
Finance Act
12 CFR Pt. 1024, App. A
Closing OR Statute of Frauds Disclosure Cx14718
A financial institution, a consumer finance
company, a mortgage banker
Both
A loan or extension of
credit for a non-consumer purpose
Not specified, but generally does
not apply to residential real
property consisting of 1-to-4 dwelling units, one of which is the borrower’s
residence
Not later that the time the loan is initially made.
Or. Rev. Stat. Ann. § 41.580(3)
(West 2012)Statutory
Click here for Table of Contents
Click here for Table of Contents
Property of DocuTech Corporation Page 195
Pennsylvania(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureAnti-Coercion
Insurance Disclosure
Cx2778
Any person, especially a licensed insurance producer under the
Insurance Department who is an employee of a financial institution
Both
A loan Real or personal property
Before or at application
18 Pa. Cons. Stat. Ann. § 7309
(West 2012); 40 Pa. Stat. Ann. § 310.76(a) & (b)
(West 2012)The Insurance
Department Act of 1921
No
Initial Disclosure PA High Cost Loan Disclosure Cx3590
A lender or a mortgage brokerBoth
A covered loan, which is a non-
purchase consumer credit mortgage loan of
less than $100,000
A consumer’s principal dwelling
At least 3 business days
prior to consummation.
63 Pa. Stat. Ann. § 456.512(a) (West 2012)
Statutory
Initial Disclosure PA Application Disclosure Cx3738
A licensee under the Mortgage Licensing Act
BothA mortgage loan
A dwelling (as defined in Section 103[v] of TILA) or
residential real estate
At the time of application
7 Pa. Cons. Stat. Ann. § 6121(10)
Mortgage Licensing Act
No
Initial DisclosurePA Consumer
Mortgage Disclosure Form
Cx14079
A 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)
Both
A loan (a mortgage loan or a loan involving a
mortgage)
A dwelling (as defined in Section 103[v] of TILA) or
residential real estate
Within 3 business days after
application is received or prepared.
10 Pa. Code § 46.2(b) & (c)
(2013)Mortgage
Licensing Act and Consumer Discount
Company Act
Consumer Mortgage
Disclosure Form - click on the Forms & Applications tab on the bottom of
the screen
Property of DocuTech Corporation Page 196
Pennsylvania(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure PA Lock-In Agreement
Cx15748 (upon request)
A licensee under the Mortgage Licensing Act
LendersA mortgage loan
A dwelling (as defined in Section 103[v] of TILA) or
residential real estate
Not specified
7 Pa. Cons. Stat. Ann. §§ 6102,
6121(11) & 6123(7) (West
2013)Mortgage
Licensing Act
No
Initial Disclosure Cost of Insurance Disclosure
Cx16488 (upon request)
A mortgage lenderLenders A mortgage loan
A dwelling (as defined in Section 103[v] of TILA) or
residential real estate
When the consumer elects to obtain certain
insurances
7 Pa. Cons. Stat. Ann. § 6122(a)(3)
(West 2013)Mortgage
Licensing Act
No
Initial Disclosure & Closing
All RESPA and TILA Disclosures
Cx18, Cx1591, Cx14221,
Cx14222, and many others (all Federal)
An institution (i.e. a bank or a bank and
trust company)Both
A loan or extension of
creditNot specified At various times
7 Pa. Stat. Ann. § 303(c) (West
2012)Banking Code of
1965
12 CFR Pt. 1024 App. & 12 CFR Pt. 1026, App. G & H
Initial Disclosure & Closing
PA Optional Insurance Notice Cx1027 A lender
Both
A covered loan, which is a non-
purchase consumer credit mortgage loan of
less than $100,000
A consumer’s principal dwelling
Not later than the time of closing.
63 Pa. Stat. Ann. § 456.512(f)(2)
(West 2012)Statutory
Initial Disclosure & TILA Redisclosure
Property Insurance
Consent on Truth-in-Lending Disclosure
On Cx1591 (Federal)
Mortgage lendersBoth A mortgage loan
A dwelling (as defined in Section 103[v] of TILA) or
residential real estate
Not specified
7 Pa. Cons. Stat. Ann. § 6122(a)(4)
(West 2012)Mortgage
Licensing Act
12 CFR Pt. 1026, App. H
Property of DocuTech Corporation Page 197
Pennsylvania(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure, Processing,
Underwriting, & Closing
NMLS Unique Identifier
Disclosed on 1003 Uniform
Residential Loan Application
On Cx4193 (
FNMA/FHLMC)
A mortgage originatorBoth A mortgage loan
A dwelling (as defined in Section 103[v] of TILA) or
residential real estate
On the application
7 Pa. Cons. Stat. Ann. § 6121(14)
(2012)Mortgage
Licensing Act
FNMA 1003 Form - Uniform Residential
Loan Application
Closing HELOC Agreement – PA Cx1349
An institution (i.e. a bank or a bank and
trust company)Both
A loan or extension of
creditNot specified
Not specified, but practically before making the loan
or extending credit
7 Pa. Stat. Ann. § 303(d) (West
2012)Banking Code of
1965
No
Closing UDAP Disclosure UR A sellerBoth
Goods or services, which
involve a note or other evidence of
indebtedness
Not specified At the time of the sale or contract
73 Pa. Stat. Ann. § 201-7(b) (West
2013)Unfair Trade Practices and
Consumer Protection Law
Statutory
Click here for Table of Contents
Property of DocuTech Corporation Page 198
Click here for Table of Contents
Rhode Island(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureRI Notice of
Nonrefundability of Loan Fees
Cx3575A loan originator, broker, or lender
Both
A secured mortgage loan
Real estate with dwelling houses of not more than
4
Not later than 3 business days
after the application
R.I. Gen. Laws § 34-23-6 (West
2012)Statutory
Property of DocuTech Corporation Page 199
Rhode Island(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure Anti-Coercion Insurance Cx3750
Any person who lends money or extends credit, including
lending institutions and bank holding
companiesBoth
Either: (a) a mortgage; or (b)
a loan or extension of
credit
Real or personal property Not specified
R.I. Gen. Laws § 27-5-3.2 & 27-29-
4(9)(iv) & (10) (West 2012)
No
Initial DisclosureRI Right to Choose
Title Agent/Attorney
Cx3847 A lending institutionBoth
A mortgage loan, residential
mortgage loan, or commercial
mortgage loan
Real estate Not specifiedR.I. Gen. Laws §§ 19-9-5 & 19-9-6
(West 2012)No
Initial Disclosure
RI Addendum to Uniform
Residential Loan Application
Cx5103 A financial institutionBoth
A loan secured by an interest in real
estateReal estate At application
R.I. Gen. Laws § 19-9-32 (West
2012)No
Initial DisclosureRI Prohibited Acts
of Lenders and Loan Brokers
Cx11241Lenders and loan
brokersBoth
A home loan
Real estate with a 1-to-4 family
dwelling used as the borrower’s
principal residence
No 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
AdministrativeForm 1 – Prohibited Acts and Practices
Disclosure Regarding All Home
Loans
Property of DocuTech Corporation Page 200
Rhode Island(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure RI Tangible Net Benefit Cx11242 A creditor
Both
A home loan which refinances
a previous (home) loan which was
consummated within the prior
60 months
Real estate with a 1-to-4 family
dwelling used as the borrower’s
principal residence
Prior to or upon consummation of
the loan
R.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
AdministrativeForm 3 – Tangible
Net Benefit Disclosure
Initial Disclosure
RI High Cost Related Prohibited
Acts of Lenders and Loan Brokers
Cx11408 A creditorBoth A home loan
Real estate with a 1-to-4 family
dwelling used as the borrower’s
principal residence
No 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
AdministrativeForm 2 – Prohibited Acts and Practices
Disclosure Regarding High-
Cost Home Loans
Initial DisclosureRI Home Loan Protection Act
DisclosureCx12089 A creditor
BothA high-cost home
loan
Real estate with a 1-to-4 family
dwelling used as the borrower’s
principal residence
Upon 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
AdministrativeForm 5 – Consumer Caution and Home
Ownership Counseling Notice and Certification
Property of DocuTech Corporation Page 201
Rhode Island(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure RI Form 4 HLPA Cx12090 A creditorBoth
A high-cost home loan
Real estate with a 1-to-4 family
dwelling used as the borrower’s
principal residence
Upon 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 4 (2012)
Rhode Island Home Loan
Protection Act
AdministrativeForm 4 – Rhode Island High-Cost
Home Loan Protection Act
Disclosure
Initial Disclosure
Enhanced Prepayment
Penalty Disclosure, Rider, and Addendum
Cx12389, Cx12387, &
Cx12388
A bank, trust company, loan company, building-loan
association, credit union, finance
company and other person(s)
Both
A loan secured by a mortgage
Real estate containing
dwelling houses of not more than 4 dwelling units
In the mortgage note
R.I. Gen. Laws § 34-23-5 (West
2012)No
Initial Disclosure Addendum to Loan Application Cx13441 Not specified
Both Not specified Not specifiedNot specified, but
practically with the application
R.I. Gen. Laws Ann. § 15-3.1-6
(West 2012); R.I. Gov. Exec. Order
12-02
No
Adverse Action
Statement of Credit Denial,
Termination, or Change
Cx15858 (Federal)
A user of a credit reportBoth
Credit for personal, family,
or household purposes
Not specified Not specified
R.I. Gen. Laws Ann. § 6-13.1-
21(b)Unfair Trade Practice and
Consumer Protection Act
12 CFR Pt. 1002, App. C; Form C-1
Property of DocuTech Corporation Page 202
Rhode Island(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure, Processing,
Underwriting, & Closing
NMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan
Application
On Cx4193 (FNMA/FHLMC)
A person originating a residential mortgage
loanBoth
A 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) a
dwelling
On the application
R.I. Gen. Laws § 19-14.10-21 (West 2012)
Secure and Fair Enforcement
Mortgage Licensing Act of
2009
FNMA 1003 Form - Uniform Residential
Loan Application
Initial Disclosure & Adverse Action
RI Appraisal Fee Disclosure and Addendum to Statement of Credit Denial,
Termination, or Change
Cx5102 & Cx15905
A lending institutionBoth A mortgage loan Real estate Prior to receiving
an appraisal fee.
R.I. Gen. Laws § 19-9-3 (West
2012)No
Closing
Homestead Waiver on all RI
Mortgages and RI Waiver of
Homestead
On Cx348 (
FNMA/FHLMC), Cx401 (FHA),
Cx506, Cx2465, and Cx15329
(upon request)
Not specifiedBoth
Not specified, but practically a
purchase loan
A homestead to the extent of
$500,000Not specified
R.I. Gen. Laws Ann. § 9-26-4.1
(West 2012); R.I. Code R. 11-2-3:5(F) (2012)
FNMA Form 3040
Closing
RI Notification to Buyers of
Withholding Tax Requirement
Cx1028
Not specified, but practically a lending
institutionBoth
A purchase loan Real property Not specified
R.I. Gen. Laws Ann. § 44-30-71.3(d) (West
2012); R.I. Code R. 60-1-140:1
(2012)
No
Click here for Table of Contents
Property of DocuTech Corporation Page 203
Click here for Table of Contents
South Carolina
(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Initial DisclosureAnti-Coercion
Insurance Disclosure
Cx2778A lender, vender, or
personBoth
A 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 mortgage
Real property Not specified
S.C. Code Ann. § 38-57-110 (2012)
The Insurance Law
No
Property of DocuTech Corporation Page 204
South Carolina
(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Initial DisclosureSC Tangible
Benefit Worksheet
Cx2889 (upon request)
Not specifiedBoth
A consumer home loan that
refinances within 42 months an
existing consumer home
loan
Real estate with a 1-to-4 family
structure that is the borrower’s
principal dwelling
Not specified
S.C. Code §§ 37-23-20(8) & 37-
23-70(A) (2012)South Carolina High-Cost and
Consumer Home Loan Act
No
Initial Disclosure
SC Mortgage Broker Fee
Agreement for Financial Services
Cx3525
A broker, mortgage broker, or loan
originatorBrokers
Either: (1) a high-cost home loan; (2) a consumer
home loan; or (2) a mortgage loan
Either: (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 dwellings
Within 3 business days of receipt of an
application
S.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 Act
Fee Agreement
Initial Disclosure
SC Attorney and Insurance
Preference Disclosure
Cx3848 A creditorBoth
A loan secured by a lien on real
estate for a personal, family,
or household purpose,
excluding a consumer loan
Real estateNo later than 3
business days after application
S.C. Code Ann. § 37-10-102(a)
(2012)South Carolina
Consumer Protection Code
Attorney/Insurance
Preference
Property of DocuTech Corporation Page 205
South Carolina
(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Initial Disclosure SC Borrower Complaints Cx4694
A mortgage broker or originator
Both
A mortgage loan, including a
consumer home loan
Real estate with a 1-to-4 family
structure that is the borrower’s
principal dwelling
At the time of application
S.C. Code Ann. § 37-23-70(D)
(2012)South Carolina High-Cost and
Consumer Home Loans Act
Fee Agreement Sample
Initial Disclosure, Processing,
Underwriting, & Closing
NMLS Unique Identifier
Disclosed on 1003 Uniform
Residential Loan Application; All S.C. documents
On Cx4193 (
FNMA/FHLMC) and all other
S.C. documents
A licensee under Chapter 22, Title 37 of South Carolina’s Code
Both
A mortgage loan
Residential real property,
consisting of one or more single-family, owner
occupied dwellings
Various
S.C. Code Ann. §§ 37-22-210(F) & 37-22-270(F)
(2012); S.C. Code Ann. Reg. 15-64
(2012)South Carolina
Consumer Protection Code
FNMA 1003 Form - Uniform
Residential Loan Application
ClosingAssignment, Sale,
or Transfer of Servicing
Cx21 (Federal) A lenderBoth
A consumer loan, which
generally is a junior lien loan
An interest in land Not specified
S.C. Code Ann. § 37-3-406 (2012)South Carolina
Consumer Protection Code -
Loans
12 CFR Pt. 1024, App. MS-2
Closing SC Notice to Cosigners Cx1017 Not specified
Both
A consumer loan, which
generally is a junior lien loan
An interest in land
Before or contemporaneously
with signing any agreement of
obligation.
S.C. Code § 37-3-303 (2012)
South Carolina Consumer
Protection Code - Loans
Statutory
Click here for Table of Contents
Property of DocuTech Corporation Page 206
Click here for Table of Contents
South Dakota(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureAnti-Coercion
Insurance Disclosure
Cx2778 Any personBoth
A loan of money upon the security of any property
or the renewal or extension of any loan or mortgage
Real property Not specified
S.D. Codified Laws § 58-33-31
(2012)The Insurance
Code
No
Click here for Table of Contents
Property of DocuTech Corporation Page 207
Click here for Table of Contents
Tennessee(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureAdvanced
Fee/Application Disclosure
Cx2783
A licensee under the Tennessee Residential
Lending, Brokerage and Servicing Act
Both
A residential mortgage loan
A dwelling (as defined in Section 103[v] of TILA) or
residential real estate upon
which is constructed or intended to be constructed a
dwelling
When a deposit is required in
connection with an application
Tenn. Code Ann. § 45-13-206(c)
(West 2012)No
Initial DisclosureAnti-Coercion
Insurance Disclosure
Cx2788A person or a
depository institutionLenders
A loan of money or extension of
creditReal estate Prior to a sale of
insurance
Tenn. Code Ann. § 56-8-106(a)
through (d) (West 2012)
Tennessee Unfair Trade Practices
and Unfair Claims Settlement Act of
2009
No
Property of DocuTech Corporation Page 208
Tennessee(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure TN Title Insurance Disclosure Cx4167
A person conducting or handling the settlement
Both
The purchase or sale of a fee
simple possessory interest
Real propertyAt or before the
closing of settlement
Tenn. Code Ann. § 56-35-133 (West 2012)
Title Insurance Law
Statutory
Initial DisclosureTN High Cost
Notice to Borrower
Cx13071 A lenderBoth
A high-cost home loan
A 1-to-4 family structure that is
or will be occupied by the borrower as his
principal dwelling
At least 3 business days
prior to consummation
Tenn. Code Ann. § 45-20-103(16)
(West 2012)Tennessee Home Loan Protection
Act
Statutory
Initial DisclosureTN High Cost Home Loan
Counseling NoticeCx13072 A lender
BothA high-cost home
loan
A 1-to-4 family structure that is
or will be occupied by the borrower as his
principal dwelling
Not 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
Act
No
Initial Disclosure TN Lock-In Agreement Cx14675 A mortgage lender
BothA residential
mortgage loan
A dwelling (as defined in Section 103[v] of TILA) or
residential real estate upon
which is constructed or intended to be constructed a
dwelling
Not specified, but practically before
a lock-in fee is charged
Tenn. Comp. R. & Regs. 0180-17-.04
(2012)Tennessee Residential
Lending, Brokerage, and
Servicing Act
No
Property of DocuTech Corporation Page 209
Tennessee(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure
High Cost Tangible Net
Benefit Worksheet
Cx15773 (upon request)
A lenderBoth
A high-cost home loan that
refinances, within 30 months, an existing home
loan or high-cost home loan
A 1-to-4 family structure that is
or will be occupied by the borrower as his
principal dwelling
Not specified
Tenn. Code Ann. § 45-20-103(4)
(West 2012)Tennessee Home Loan Protection
Act
No
Initial Disclosure TN Commitment Letter Cx15810 A lender or creditor
Both
A loan of money or extension of
creditNot specified Not specified
Tenn. Code Ann. § 29-2-101(b) (West 2012)
No
Initial Disclosure, Processing,
Underwriting, & Closing
NMLS Unique Identifier
Disclosed on 1003 Uniform
Residential Loan Application
On Cx4193 (
FNMA/FHLMC)
A sponsoring mortgage lender or mortgage
loan brokerBoth
A residential mortgage loan
A dwelling (as defined in Section 103[v] of TILA) or
residential real estate upon
which is constructed or intended to be constructed a
dwelling
On the application
Tenn. Code Ann. § 45-13-303(d)
(West 2012)Tennessee Residential
Lending, Brokerage and Servicing Act
FNMA 1003 Form - Uniform Residential
Loan Application
Closing
High-Cost Home Loan Legend on 3200 Note Fixed and TN Deed of
Trust
Cx5 & Cx351 (both
FNMA/FHLMC)
Not specified, but practically a lender
Both
A high-cost home loan
A 1-to-4 family structure that is
or will be occupied by the borrower as his
principal dwelling
At closing
Tenn. Code Ann. § 45-20-103(19)
(West 2012)Tennessee Home Loan Protection
Act
Statutory
FNMA Form 3200FNMA Form 3043
Property of DocuTech Corporation Page 210
Tennessee(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
ClosingAssignment, Sale,
or Transfer of Servicing
Cx21 (Federal)A transferor of servicing rights
Both
A residential mortgage loan
A dwelling (as defined in Section 103[v] of TILA) or
residential real estate upon
which is constructed or intended to be constructed a
dwelling
At least 10 calendar days
before the first payment affected
by the notice is due
Tenn. Comp. R. & Regs. 0180-17-.03
(2012)Tennessee Residential
Lending, Brokerage, and
Servicing Act
12 CFR Pt. 1024, App. MS-2
Click here for Table of Contents
Click here for Table of Contents
Texas(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureAnti-Coercion
Insurance Disclosure
Cx2778A depository
institutionLenders
A loan or extension of
creditProperty Not specified
Tex. Ins. Code Ann. § 556.051
(West 2012)No
Property of DocuTech Corporation Page 211
Texas(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureAdvanced
Fee/Application Disclosure
Cx2783
A residential mortgage loan
originatorBoth
A residential mortgage loan
A dwelling (as defined by
Section 103[v] of TILA) or
residential real estate on which a
dwelling is constructed or intended to be
constructed
Not specified
Tex. Fin. Code § 156.304(a)
(West 2012)Residential
Mortgage Loan Company and
Residential Mortgage Loan
Originator Licensing and
Registration Act
No
Initial DisclosureTX Mortgage
Banker Disclosure
Cx2999
A mortgage banker that is a residential
loan originatorLenders
A residential mortgage loan
A dwelling (as defined by
Section 103[v] of TILA) or
residential real estate on which a
dwelling is constructed or intended to be
constructed
At application
Tex. 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 Act
Statutory/Administrative/Mortgage Banker - Required
Disclosure Form
Property of DocuTech Corporation Page 212
Texas(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure
Disclosure of Multiple Roles in a Consumer Real
Estate Transaction
Cx3581
A 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 attorney
Both
A residential mortgage loan
A dwelling (as defined by
Section 103[v] of TILA) or
residential real estate on which a
dwelling is constructed or intended to be
constructed
Before acting in a dual capacity
Tex. Fin. Code § 156.303(a)(13)
(West 2012)Mortgage Loan Company and
Residential Mortgage Loan
Originator Licensing and
Registration Act
Disclosure of Multiple Roles
Initial DisclosureTX Important
Notice to Home Loan Borrowers
Cx3591 A lenderBoth
A home loan with an
interest rate of 12% or more a
year
A manufactured home or real
property improved by a 1-to-4 family
dwelling which is used as the
borrower’s principal residence
At 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 Form
Property of DocuTech Corporation Page 213
Texas(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure
TX Notice Concerning
Extensions of Credit - Spanish
Cx3640 (Spanish)
A lenderBoth
A 50(a)(6) equity loan A homestead
12 days before the loan is
closed
Tex. Const. Art. 16, § 50(g); 7 Tex. Admin.
Code § 153.51 (2012)
Aviso Sobre El Credito Que Se Concede
Initial DisclosureTX Insurance
Notice to Applicant
Cx3715
A lender offering credit life, disability, or unemployment
insurance on a prepaid single premium basis
Both
A home loan
A manufactured home or real
property improved by a 1-to-4 family
dwelling which is used as the
borrower’s principal residence
Not later than 3 business days after receipt of
application.
Tex. Fin. Code Ann. § 343.104
(West 2012)Texas Credit
Title
Statutory
Initial Disclosure
TX Residential Mortgage Loan
Originator Disclosure
Cx3883
A residential mortgage loan originator or a
residential mortgage loan company
Both
A residential mortgage loan
A dwelling (as defined by
Section 103[v] of TILA) or
residential real estate on which a
dwelling is constructed or intended to be
constructed
With an initial application
Tex. 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 Act
Mortgage Company - Required Disclosure Form
Property of DocuTech Corporation Page 214
Texas(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure
TX Disclosure Statement
Required for Residential
Construction
Cx4262 A lenderBoth
Third-party financing
pursuant to a residential
construction contract
A 1-to-4 unit residence that
is used or intended to be
used as a dwelling by one of the
owners
Before the date of closing
Tex. Prop. Code Ann. §§
53.255(b) & 53.257(b) (West
2012)
Statutory
Initial Disclosure
TX Notice Concerning
Extensions of Credit
Cx4549 A lenderBoth
A 50(a)(6) equity loan A homestead
12 days before the loan is
closed
Tex. Const. Art. 16, § 50(g); 7 Tex. Admin.
Code § 153.51 (2012)
Constitutionally
Initial Disclosure TX Complaint Notice
Cx10735(upon request)
A licensee under Chapter 342, Title 4
of Texas’ Finance Code, a bank, or a savings association
Lenders
Not specifiedA loan under Chapter 342,
Title 4 of Texas’ Finance
Code (a consumer
loan)
Not specifiedA 1-to-4 family
dwelling
With each contract of a
licensee
Tex. Fin. Code Ann. § 14.104 (West 2012); 7
Tex. Admin. Code §
90.105(b)(5) (2012)
Administrative
Property of DocuTech Corporation Page 215
Texas(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure Privacy Policy Notice
Cx15182 (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 Code
Both
Not specified.A loan under Chapter 342,
Title 4 of Texas’ Finance
Code (a consumer
loan)
Not specified.A 1-to-4 family
dwelling
With any privacy notice required to be
provided by Federal or Texas law
Tex. Fin. Code Ann. § 11.307 (West 2012); 7
Tex. Admin. Code §§ 11.37 &
90.105(b)(1) – (4) (2012)
12 CFR Pt. 1016, App. A
Initial Disclosure
TX Mortgage Banker
Conditional Approval Letter
(Form B)
Cx16682(upon request)
A residential mortgage loan originator or a
mortgage bankerBoth
A residential mortgage loan
A dwelling (as defined by
Section 103[v] of TILA) or
residential real estate on which a
dwelling is constructed or intended to be
constructed
Not specified, but practically
when an application is approved on the basis of
credit worthiness but
not on collateral
Tex. 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 Act
Mortgage Banker - Conditional Approval Letter [Form B]
Property of DocuTech Corporation Page 216
Texas(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure
TX Mortgage Company
Conditional Approval Letter
(Form B)
Cx16683 (upon request)
A residential mortgage loan originator or a
residential mortgage loan company
Both
A residential mortgage loan
A dwelling (as defined by
Section 103[v] of TILA) or
residential real estate on which a
dwelling is constructed or intended to be
constructed
Not specified, but practically
when an application is approved on the basis of
credit worthiness but
not on collateral
Tex. 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 Disclosure
TX Mortgage Banker
Conditional Qualification
Letter (Form A)
Cx16684 (upon request)
A residential mortgage loan originator or a
mortgage bankerBoth
A residential mortgage loan
A dwelling (as defined by
Section 103[v] of TILA) or
residential real estate on which a
dwelling is constructed or intended to be
constructed
Not specified, but practically
when a conditional
qualification is established
Tex. 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]
Property of DocuTech Corporation Page 217
Texas(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure
TX Mortgage Company
Conditional Qualification
Letter (Form A)
Cx16685(upon request)
A residential mortgage loan originator or a
residential mortgage loan company
Both
A residential mortgage loan
A dwelling (as defined by
Section 103[v] of TILA) or
residential real estate on which a
dwelling is constructed or intended to be
constructed
Not specified, but practically
when a conditional
qualification is established
Tex. 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]
Closing
Truth-in-Lending Disclosure and
Truth-in-Lending Total Payments
Itemization
Cx18 & Cx15444 (both
Federal)
A lenderBoth
A loan under Chapter 342,
Title 4 of Texas’ Finance
Code (a consumer
loan)
A 1-to-4 family dwelling
Before taking a loan obligation
Tex. Fin. Code § 342.505 (West
2012)12 CFR Pt. 1026, App. H
Closing
Notice of Confidentiality
Rights on TX Deed of Trust
On Cx352 (
FNMA/FHLMC), Cx405 (FHA),
Cx510, & Cx6178
(FNMA/FHLMC)
Not specifiedBoth Not specified Real property
Not specified, but practically
at closing
Tex. Prop. Code Ann. § 11.008(c)
(West 2012)
Statutory
FNMA Form 3044FNMA Form 3044.1
Property of DocuTech Corporation Page 218
Texas(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
ClosingTX Collateral
Protection Act Notice
Cx1015
A creditor or a person who is a lender of money
Both
A credit transaction for which a credit
agreement exists
Real property
At the time the credit
agreement is executed
Tex. Fin. Code § 307.052(a)
(West 2012)Texas Credit
Title
No
Closing
TX Home Equity Affidavit of Fair Market Value of
Homestead Property
Cx3653 A lenderBoth
A 50(a)(6) equity loan A homestead
On the date the extension
of credit is made
Tex. Const. Art. 16, § 50(a)(6)(Q)
(ix)No
Closing TX Notice of No Oral Agreements Cx3682
A financial institution
Both
A loan agreement in
which the amount of the loan exceeds
$50,000
Not specifiedIn or with the
loan agreement
Tex. Bus. & Com. Ann. § 26.02(e) – (f) (West 2012)
Statutory
Certain Loan Agreements Must Be in Writing
Closing
TX Affidavit of Reasonable
Costs on Homestead
Property Refinance
Cx3684 Not specifiedBoth
A loan which refinances any
loans described in
Tex. Const. art. 16, § 50(a)(1)
through (a)(5), which includes an advance of
additional funds
A homestead Not specified
Tex. Const. art. 16, § 50(e)(2); 7
Tex. Admin. Code § 153.41
(2012)
No
Property of DocuTech Corporation Page 219
Texas(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Closing
TX Home Equity Owner’s Affidavit
Acknowledging Lender’s
Compliance and HUD-1 01-01-10
Cx5010 and Cx14222 (Federal)
A lenderBoth
A 50(a)(6) equity loan A homestead
One business day before
closing
Tex. Const. art. 16, § 50(a)(6)(M)(ii); 7 Tex.
Admin. Code § 153.13 (2012)
12 CFR Pt. 1024, App. A
Closing
TX Home Equity Discount Point
Acknowledgment
Cx5029 A lenderBoth
A 50(a)(6) equity loan A homestead Not specified
Tex. Const. art. 16, § 50(a)(6)
(E); 7 Tex. Admin. Code § 153.5 (2012)
No
Closing
Texas Veterans Land Board
Take-Out Loan Affidavit
Cx7768 Not specifiedBoth A take-out loan A single
dwelling home At closing Texas Veterans’ Land Board
Take-Out Loans Affidavit Post-Interim Financing
ClosingTX Home Equity Election Not to
RescindCx9522 A lender
BothA 50(a)(6)
equity loan A homestead At closing
Tex. Const. Art. 16, § 50(a)(6)(Q)
(viii);7 Tex. Admin. Code § 153.25
(2012)
No
Property of DocuTech Corporation Page 220
Texas(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Closing
TX Notice of Penalties for
Making False or Misleading Statements
Cx12309
Either: (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)Both
Either: (1) a home loan; or
(2) a residential
mortgage loan
Either: (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 dwelling
At closing
Tex. 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 Closing
Property of DocuTech Corporation Page 221
Texas(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
ClosingSpanish Truth-in-
Lending Disclosure
Cx14389 (Spanish)
A licensee under Chapter 342, Title 4
of Texas’ Finance CodeBoth
A 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 Commissioner
A 1-to-4 family dwelling
No later than consummation
of the loan contract
Tex. Fin. Code Ann. § 341.502 (West 2012); 7
Tex. Admin. Code § 90.701
(2012)Texas Credit
Title
Administrative
ClosingTX Disclosure of
Servicing Complaints
16006(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
ActBoth
A residential mortgage loan
A 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 Act
andResidential
Mortgage Loan Servicer
Registration Act
Statutory
Required Disclosure Statement
Click here for Table of Contents
Property of DocuTech Corporation Page 222
Click here for Table of Contents
Utah(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureAnti-Coercion
Insurance Disclosure
Cx2778
A person, including one both authorized
to engage in insurance activities and who
extends creditBoth
An extension of credit Not specified
At the time of written
application or, if there is no
written application,
before closing
Utah Code Ann. §§ 31A-23a-
402(5) & 31A-23a-416 (West
2012)
Partial Statutory
Initial DisclosureAdvanced
Fee/Application Disclosure
Cx2783 A lender or brokerBoth
A mortgage loan of more than two
yearsNot specified
At the time a fee or deposit is
accepted
Utah Code Ann. § 70D-2-305 (West
2012)Mortgage
Lending and Servicing Act
No
Initial DisclosureUT High Cost Home Loan Disclosures
Cx3774
A lender who is licensed under the Utah Residential
Mortgage Practices and Licensing Act
(Utah Code Ann. §§ 61-2c-101 through 61-2c-
510)Both
A high-cost mortgage
A borrower’s principal dwelling
No less than 3 business days
prior to consummation
Utah Code Ann. § 61-2d-105 (West
2012)Utah High Cost Home Loan Act
Statutory
Initial Disclosure UT Loan Notice Cx15693 A lender or brokerBoth
A mortgage loan of more than two
yearsNot specified
At the time of receipt or
preparation of the written application
Utah Code Ann. § 70D-2-302 (West
2012)Mortgage
Lending and Servicing Act
No
Property of DocuTech Corporation Page 223
Utah(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Closing RESPA Legend on UT Deeds of Trust
On Cx353 (
FNMA/FHLMC), Cx406 (FHA),
Cx511, & Cx1398
A person submitting for recording a
document subject to RESPABoth
A federally-related mortgage
loan subject to RESPA
Residential property
consisting of 1-to-4 family units
At recordingUtah Code Ann. § 17-21-18.5(4)(b)
(West 2012)
Statutory
FNMA Form 3045
Closing UT Disclosure of Servicer Cx1001 A lender
Both
A mortgage loan of more than two
yearsNot specified At the time of
closing
Utah Code Ann. § 70D-2-303 (West
2012)Mortgage
Lending and Servicing Act
No
Click here for Table of Contents
Property of DocuTech Corporation Page 224
Click here for Table of Contents
Vermont(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure Anti-Coercion Insurance Disclosure Cx2778 A person
Both
A loan of money or extension of
creditNot specified Not specified
Vt. Stat. Ann. tit. 8, § 4725 (West
2012)No
Initial DisclosureVT
Broker/Prospective Borrower Agreement
Cx3594 A mortgage brokerBrokers A mortgage loan Real property or
real estate
Before taking any fee or at the time
a signed application is
submitted
Vt. Stat. Ann. tit. 8, § 2219 (West
2012); Vt. Admin Code 4-2-3:4 & 4-2-3:Appendix
(2012)
Administrative
Initial Disclosure VT High Rate/High Point Notices Cx3708 A lender
Both
A 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 estate
Given in conjunction with the GFE, or when the borrower is notified that the lender will only
offer this type of loan
Vt. Stat. Ann. tit. 9, § 104 (West
2012); Vt. Admin. Code 4-2-6
(2012)
Partial Administrative
Property of DocuTech Corporation Page 225
Vermont(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureVT Mortgage Loan
Commitment Agreement
Cx4671 A lenderLenders
Either: (1) a loan secured by a lien
against real estate; or (2) a
loan secured by a first lien on
owner occupied residential real
estate
Real estate used as the
borrower’s residence and
owner occupied residential real
estate
No 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)
No
Initial Disclosure VT Application Capacity Notice Cx4816 A lender
Lenders A mortgage loan Real estate
In advance of taking any fee or
at the time an application is
submitted
Vt. Stat. Ann. tit. 8, § 2220 (West
2012)No
Initial DisclosureVT Addendum to
Uniform Residential Loan Application
Cx5107 Not specifiedBoth Not specified Not specified
Not specified, but practically at
application
Vt. Stat. Ann. tit. 15, § 1204; Dept.
of Banking, Insurance,
Securities, and Health Care
Administration Bulletin No. 23
BUL-B-23
Initial Disclosure & Closing
Certification and Authorization Cx13 (Federal)
A person obtaining a credit report
BothCredit Not specified Before obtaining
a credit report
Vt. Stat. Ann. tit. 9, § 2480e (West 2012); Vt. Admin. Code 3-2-110:CF
112.03
No
Property of DocuTech Corporation Page 226
Vermont(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure, TILA ReDisclosure,
& Closing
Itemization of Amount Financed 01-
01-10
Cx14644 (Federal)
A licensed lender under Chapter 73, Part 2, Title 8 of Vermont’s
StatutesBoth
A loan Not specified In advance of any loan closing
Vt. Stat. Ann. tit. 8, § 2232a(b) (West 2012)
12 CFR Pt. 1026, App. H
Closing
Co-signer Notice on 3200 Note Fixed, FHA
Note Fixed, and VA 3200 Note Fixed
On Cx5 (
FNMA/FHLMC), Cx36 (FHA), and
Cx58
A lenderBoth An obligation Not specified
With the instrument
evidencing the obligation
Vt. Stat. Ann. tit. 9, § 102 (West
2012)
Statutory
FNMA Form 3200
Closing HUD-1 01-01-10 Cx14222 (Federal)
A licensed lender under Chapter 73, Part 2, Title 8 of Vermont’s
StatutesBoth
A loan Not specified At the time the loan is made
Vt. Stat. Ann. tit. 8, § 2232a(a) (West 2012)
12 CFR Pt. 1024, App. A
Click here for Table of Contents
Property of DocuTech Corporation Page 227
Click here for Table of Contents
Virginia(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure VA Insurance Disclosure Cx3577
A creditor or a depository institution
Lenders
Not specified.A loan or
extension of credit
Personal 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)
No
Initial Disclosure VA Notice Cx3592
A 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
transactionBrokers
A mortgage loan used to purchase
real estate
1-to-4 family residential
property and real estate
At the time broker services are first offered
Va. Code Ann. § 6.2-1616(B)(5) (West 2012)
Statutory
Property of DocuTech Corporation Page 228
Virginia(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure Loan Broker Agreement Cx3841
A broker licensed under Chapter 16,
Subtitle III, Title 6.2 of Virginia’s Code
Brokers
A mortgage loan1-to-4 family
residential property
Not specifiedVa. Code Ann. § 6.2-1616(B)(4) (West 2012)
No
Initial DisclosureVA Choice of
Settlement Agent Notice
Cx5101 Not specifiedBoth A purchase loan
Real estate consisting of 1-to-
4 residential dwelling units
In all contracts involving the
purchase of real estate.
Va. Code Ann. § 55-525.23 (West
2012)Statutory
Initial DisclosureVA Notification to
Mortgage Loan Applicants
Cx5111 A lender or a brokerBoth
A loan secured by a primary
mortgage or deed of trust
Owner-occupied residential real
estate consisting of 1-to-4 family dwelling units
At the time an application is
submitted by the loan applicant
Va. Code Ann. § 6.2-406 (West
2012)No
Initial Disclosure Affiliated Business Disclosure
Cx11413 (Federal)
Lenders making a referral to an affiliated
settlement service provider
Both
Debt to a lender, secured by a first mortgage or deed
of trust on real estate
Real estate containing 1-to-4
residential dwelling units
Before entering into an
arrangement with an affiliated
business
Va. Code Ann. § 55-525.13 (West
2012)
12 CFR Pt. 1024, App. D
Initial DisclosureTangible Net
Benefit Worksheet
Cx12531 (upon request)
A mortgage lender licensed under Chapter 16, Subtitle III, Title 6.2
of Virginia’s CodeBoth
A refinance of a mortgage loan by
another mortgage loan
1-to-4 family residential property
Not specifiedVa. Code Ann. §
6.2-1614(7) (West 2012)
No
Initial Disclosure VA Lock-In Agreement Cx14674
A mortgage lender or mortgage broker on behalf of a mortgage
lenderBoth
A mortgage loan1-to-4 family
residential property
Not specified
10 Va. Admin. Code §§ 5-160-10
& 5-160-30(B) (2012)
No
Property of DocuTech Corporation Page 229
Virginia(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure
VA Mortgage Loan
Commitment Agreement
Cx14686
Not specified, but practically a mortgage lender or a mortgage broker on behalf of a
mortgage lenderBoth
A mortgage loan1-to-4 family
residential property
Not specified
10 Va. Admin. Code §§ 5-160-10
& 5-160-30(A) (2012)
No
Initial Disclosure and Closing
All TILA Disclosures
Cx18, 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 CodeBoth
Consumer credit or a mortgage
loan
Not specified.1-to-4 family
residential property
Various timesVa. Code Ann. §§
6.2-436 & 6.2-1615 (West 2012)
12 CFR Pt. 1026, App. G & H
ClosingAmount of
Consideration on VA Deed of Trust
Cx354 (
FNMA/FHLMC), Cx407 (FHA),
512, & Cx1335
Not specified, but practically the
mortgageeBoth
A purchase loanLands,
tenements, or other realty
At recordingVa. Code Ann. § 58.1-802 (West
2012)FNMA Form 3047
Closing HUD-1 01-01-10 14222 (Federal)
A mortgage lender licensed under Chapter 16, Subtitle III, Title 6.2
of Virginia’s CodeBoth
A mortgage loan1-to-4 family
residential property
Prior to the closing of a
mortgage loan
Va. Code Ann. § 6.2-1615 (West
2012)
12 CFR Pt. 1024, App. A
Click here for Table of Contents
Property of DocuTech Corporation Page 230
Click here for Table of Contents
Washington(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureWA Broker Application Disclosure
Cx2655
A mortgage broker or a loan originator acting
on behalf of a mortgage broker, or a
licensee under the Washington Consumer
Loan ActBrokers
A residential mortgage loan
Residential real estate upon
which is (or is intended to be) constructed a
dwelling of 1-to-4 units
Within 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 Act
Model Disclosure Form
Initial DisclosureAnti-Coercion
Insurance Disclosure
Cx2778 A creditor or lenderLenders A debt or loan Not specified Not specified
Wash. Rev. Code Ann. § 48.30.260 (West
2012)No
Initial Disclosure
WA Appraisal Notification on
Purchase Money Mortgages
Cx2791 A lenderBoth
A purchase money
residential mortgage loan
Residential real property upon which is (or is
intended to be) a 1-to-4 family
dwelling
Prior to closingWash. Rev. Code Ann.
§ 19.149.020 (West 2012)
No
Property of DocuTech Corporation Page 231
Washington(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure WA Interest Rate Lock Agreement Cx2792
A mortgage broker or a loan originator acting
on behalf of a mortgage broker, or a
licensee under the Washington Consumer
Loan ActBrokers
A residential mortgage loan
Residential real estate upon
which is (or is intended to be) constructed a
dwelling of 1-to-4 units
Within 3 business days of a receipt of a loan application
Wash. 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 Act
Model Rate Lock Agreement
Initial DisclosureWA Conflict of
Interest Disclosure
Cx3705
A 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 salesperson
Brokers
A residential mortgage loan
Either: (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 dwelling
Prior to providing mortgage services
Wash. 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 Act
Statutory and Administrative
Initial Disclosure WA Disclosure Receipt Cx3747
A licensee under the Washington Consumer
Loan ActBoth
A loan Real property Not specified
Wash. Admin. Code § 208-620-510(2) (2012)Washington Consumer
Loan Act
No
Property of DocuTech Corporation Page 232
Washington(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure Loan Brokerage Agreement Cx3841
A mortgage broker or a loan originator
Brokers
A residential mortgage loan
Residential real property upon which is (or will be constructed) a 1-to-4 family
dwelling
Not specified
Wash. Rev. Code Ann. § 19.146.040 (West
2012); Wash. Admin. Code § 208-660-430(23) (2012)
No
Initial Disclosure Addendum to Loan Application Cx13441 Not specified
Both Not specified Not specifiedNot specified, but
practically with the application
Wash. Rev. Code Ann. §§ 26.04.010 &
26.60.010 through 26.60.901 (West 2012)
No
Initial Disclosure
WA Disclosure Summary or
RESPA 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 originator
Both
A residential mortgage loan or a consumer loan
Residential real property upon which is (or will be constructed) a 1-to-4 family
dwelling, or real property
Within 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 Act
Loan Disclosure Summary Form -
Both Types
12 CFR Pt. 1024, Appendices
Initial DisclosureWA Facts About
Construction Lien Disclosure
Cx16579 A real property lenderBoth
A loan secured by real property Real property Not specified
Wash. Rev. Code Ann. §§ 60.04.250 &
60.04.255 (West 2013)
Facts About Construction Liens
Closing PMI Disclosure
Cx29, Cx862, Cx4668,
Cx14292, Cx14293, & Cx14294 (all
Federal)
A lenderBoth
A residential mortgage
transaction
An owner-occupied, 1-to-4 unit residential real property
At the time a transaction is entered into
Wash. Rev. Code Ann. § 61.10.020(1)
(West 2012)None
ClosingWA Oral
Agreement Notice
Cx12751 A creditorBoth
A loan of money or extension of
creditNot specified
In documents relating to the
credit agreement.
Wash. Rev. Code Ann. § 19.36.140 (West
2012)Statutory
Property of DocuTech Corporation Page 233
Click here for Table of Contents
Click here for Table of Contents
West Virginia(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureAnti-Coercion
Insurance Disclosure
Cx2778 A creditorBoth A consumer loan Real property Not specified
W. Va. Code Ann. § 46A-3-109(b)(4)
& (b)(5) (West 2012)
West Virginia Consumer Credit and Protection
Act
No
Property of DocuTech Corporation Page 234
West Virginia(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureWV Tangible Net
Benefit Worksheet
Cx3849
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 a regulated consumer lender
Both
A primary mortgage loan or
a subordinate mortgage loan, or a consumer loan
A dwelling (as defined in Section
103[v] of the TILA) or
residential real estate upon
which is constructed a
dwelling, or land
Not specified
W. Va. Code Ann. §§ 31-17-8(d) &
46A-4-111(2) (West 2012)
West Virginia Residential
Mortgage Lender, Broker, and Servicer Act
andWest Virginia
Consumer Credit and Protection
Act
Tangible Net Benefit Worksheet
Initial DisclosureWest Virginia
Fees and Services Disclosure
Cx4827 (upon request)
A credit services organization
Brokers
An extension of credit Not specified
Before executing a contract with a
buyer or receiving any
money
W. Va. Code Ann. § 46A-6C-6 (West
2012)West Virginia
Consumer Credit and Protection
Act
CSO-3 & CSO-4
Initial Disclosure
Credit Services Organization Contract and
Notice of Cancellation
URA credit services
organizationBrokers
An extension of credit Not specified
Not specified, but practically before engaging in credit
services
W.Va. Code Ann. § 46A-6C-7 (West
2012)West Virginia
Consumer Credit and Protection
Act
Mostly Statutory
Property of DocuTech Corporation Page 235
West Virginia(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure, Processing,
Underwriting, & Closing
NMLS Unique Identifier
Disclosed on 1003 Uniform
Residential Loan Application
On Cx4193 (FNMA/FHLMC)
Any person originating a residential mortgage
loanBoth
A residential mortgage loan
A dwelling (as defined in Section
103[v] of the TILA) or
residential real estate upon
which is constructed a
dwelling
With the application
W. Va. Code Ann. § 31-17A-18 (West 2012)
West Virginia SAFE Mortgage
Licensing Act
FNMA 1003 Form - Uniform Residential
Loan Application
Closing
Truth-in-Lending Disclosure and
Truth-in-Lending Total Payments
Itemization
Cx18 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
loanBoth
A primary mortgage loan or
a subordinate mortgage loan
A dwelling (as defined in Section
103[v] of the TILA) or
residential real estate upon
which is constructed a
dwelling
At the time of closing
W. Va. Code Ann. § 31-17-9(a) (West 2012)
West Virginia Residential
Mortgage Lender, Broker, and Servicer Act
12 CFR Pt. 1026, App. H; Form H-2
Closing
3260 Note Balloon, 3180
Rider Balloon, and Fixed Rate Note
West Virginia Second
Cx230 (
FNMA/FHLMC), Cx752
(FNMA/FHLMC),
and Cx1081
Not specifiedBoth A consumer loan Land
With any writing purporting to contain the
agreement of the parties (closing)
W. Va. Code Ann. § 46A-2-105
West Virginia Consumer Credit and Protection
Act
No
Property of DocuTech Corporation Page 236
West Virginia(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Closing
WV Collateral Protection Insurance Disclosure
Cx1000
A creditor, who is an institution insured by
either the FDIC or NCUABoth
A consumer credit transaction
Collateral, which includes real
property
With the credit agreement
(closing)
W. Va. Code Ann. § 46A-3-109a(b)(3) (West 2012)West Virginia
Consumer Credit and Protection
Act
Statutory
Closing WV Notice to Cosigners Cx1018 Not specified
Both A consumer loan Land
Before a cosigner signs any
instrument evidencing the
transaction.
W. Va. Code Ann. § 46A-2-104 (West 2012)
West Virginia Consumer Credit and Protection
Act
Statutory
Click here for Table of Contents
Click here for Table of Contents
Property of DocuTech Corporation Page 237
Wisconsin(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureAnti-Coercion
Insurance Disclosure
Cx2778
Any person engaged in the business of loaning
moneyBoth
A financing of the purchase of the
property or a lending of money
secured by the property
Real or personal property Not specified
Wis. Stat. Ann. § 134.10(1) (West
2012)No
Initial DisclosureAdvanced
Fee/Application Disclosure
Cx2783
A bank, credit union, savings bank, savings and loan association, mortgage banker, or
any other lenderBoth
A loan, which is a primary lien
A 1-to-4 family dwelling used as the borrower’s
principal residence
Before 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)
No
Initial Disclosure
WI Adjustable Rate Mortgage
Information Statement
Cx3951 A lenderBoth
A variable rate loan, which is a
primary lien
A 1-to-4 family dwelling used as the borrower’s
principal residence
Before making a variable rate
loan.
Wis. Stat. Ann. § 138.056(6) (West
2012)No
Initial Disclosure Addendum to Loan Application Cx13441 Not specified
Both Not specified Not specifiedNot specified, but
practically with the application
Wis. Stat. Ann. §§ 770.001 through
770.18 (West 2012)
No
Initial Disclosure
Good Faith Estimate 01-01-10
& WI Loan Commitment
Cx14221 (Federal) and
Cx15918
A licensee under either Wis. Stat. Ann. §§ 224.72 or 224.725
Both
A residential mortgage loan
A dwelling (as defined in 15
USCA § 1602[v]) or residential real
property
At the time of or prior to the
issuance of a loan commitment
Wis. Admin. Code, DFI-BKG §§
40.01(5) & (6) and 43.02(12) & (13)
12 CFR Pt. 1024, App. C
Initial DisclosureWI Consumer
Disclosure Statement
Cx14546 A mortgage brokerBrokers
A residential mortgage loan
A dwelling (as defined in 15
USCA § 1602[v]) or residential real
property
Before entering into a brokerage services contract.
Wis. Stat. Ann. § 224.79(2) (West
2012); Wis. Admin. Code, DFI-BKG §
44.02 (2012)
Consumer Disclosure Statement
Property of DocuTech Corporation Page 238
Wisconsin(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial DisclosureWI Mortgage
Broker Agreement
Cx14547 A mortgage brokerBrokers
A residential mortgage loan
A dwelling (as defined in 15
USCA § 1602[v]) or residential real
property
Not specified, but practically before
engaging in broker services
Wis. Stat. Ann. § 224.79(1) (West
2012); Wis. Admin. Code, DFI-BKG §
44.01 (2012)
Mortgage Broker Agreement - Both
Versions
Initial Disclosure
High Cost Tangible Net
Benefit Worksheet
Cx15773 (upon request)
A lenderBoth
A covered loan that refinances
another covered loan, which is a first lien with an amount financed of $25,000 or less
Residential real property that is
or will be occupied by the customer as a
principal dwelling
Not specifiedWis. Stat. Ann. § 428.203(7) (West
2012)No
Initial Disclosure & Closing
WI ARM Prepayment
Penalty NoticeCx9109 A lender
Both
A variable rate loan, which is a
primary lien
A 1-to-4 family dwelling used as the borrower’s
principal residence
By the time of the offer of the loan
Wis. Stat. Ann. § 138.056(3m)(a)
(West 2012)No
Initial Disclosure, Processing,
Underwriting, & Closing
NMLS Unique Identifier
Disclosed on 1003 Uniform
Residential Loan Application
On Cx4193 (
FNMA/FHLMC)
Any person originating a residential mortgage
loanBoth
A residential mortgage loan
A dwelling (as defined in 15
USCA § 1602[v]) or residential real
property
With the application
Wis. Stat. Ann. § 224.73(4)(a) & (b)
(West 2012)
FNMA 1003 Form - Uniform
Residential Loan Application
Closing
WI Mortgage Second & Fixed
Rate Note Wisconsin Second
Cx515 & Cx1080
Not specifiedBoth
A consumer credit
transaction, which is a junior
lien and the amount financed is $25,000 or less
Real or personal property
With the writing evidencing the
customer’s obligation to pay
(closing)
Wis. Stat. Ann. § 422.303(3) (West
2012)Wisconsin
Consumer Act
Statutory
Property of DocuTech Corporation Page 239
Wisconsin(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Closing
Notice to Spouse of Extension of
Credit by Copy of Security
Instrument
Cx515 & Cx1353
A creditorBoth
A 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 less
Real or personal property
Before any payment is due
under the transaction
Wis. Stat. Ann. § 766.56(3)(b) (West
2012)The Family Code
No
Closing WI Property Tax Escrow Option Cx1023
A bank, credit union, savings bank, savings and loan association, or mortgage banker
Both
A loan, which is a primary lien
A 1-to-4 family dwelling used as the borrower’s
principal residence
Before closingWis. Stat. Ann. § 138.052(5m)(b)
(West 2012)No
ClosingWI Explanation of
Personal Obligation
Cx16043 (upon request)
Not specifiedBoth
A consumer credit
transaction, which is a junior
lien and the amount financed is $25,000 or less
Real or personal property
At the same time of signing a
separate instrument
Wis. Stat. Ann. § 422.305(1) (West
2012)Wisconsin
Consumer Act
No
Click here for Table of Contents
Click here for Table of Contents
Property of DocuTech Corporation Page 240
Wyoming(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure Anti-Coercion Insurance Disclosure Cx2778
Either: (1) any person; or (2) a creditor
Both
Either: (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 property
To be given promptly.
Wyo. Stat. Ann. §§ 26-13-118 &
40-14-409 (West 2012)
Unfair Trade Practices Act and
Uniform Consumer Credit Code - Insurance
No
Initial Disclosure WY Mortgage Broker Agreement Cx13452
A licensee under the Wyoming Residential
Mortgage Practices Act (document must be signed by a licensed
mortgage broker under this Act)
Brokers
A residential mortgage loan,
which is a primary lien
A dwelling, consisting of 1-
to-4 units, whether
attached to real property or not,
or residential real estate upon
which is constructed a
dwelling
Within 3 business days of
a borrower signing an
application, but before he sends
any consideration to
the licensee
Wyo. Stat. Ann. § 40-23-114 (West
2012)Wyoming
Residential Mortgage
Practices Act
No
Property of DocuTech Corporation Page 241
Wyoming(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure Good Faith Estimate 01-01-10
Cx14221 (Federal)
A mortgage brokerBoth
A residential mortgage loan,
which is a primary lien
A dwelling, consisting of 1-
to-4 units, whether
attached to real property or not,
or residential real estate upon
which is constructed a
dwelling
No less than 3 business days
prior to closing
Wyo. Stat. Ann. § 40-23-114(d)(ii)
(West 2012)Wyoming
Residential Mortgage
Practices Act
12 CFR Pt. 1024, App. C
Initial DisclosureWY
Commitment/Lock-in Agreement
Cx15904
A mortgage broker acting on the behalf of
a mortgage lenderBoth
A mortgage loan (aka a residential mortgage loan),
which is a primary lien
A dwelling, consisting of 1-
to-4 units, whether
attached to real property or not,
or residential real estate upon
which is constructed a
dwelling
When the broker has obtained a commitment or lock-in from the lender on behalf of the borrower
Wyo. Stat. Ann. § 40-23-115(a) (West 2012)
Wyoming Residential Mortgage
Practices Act
No
Initial Disclosure Cost of Insurance Disclosure
Cx16488 (upon request)
A lenderLenders
A consumer loan, which is
generally a junior lien with a
finance charge exceeding 18%
Land or a dwelling
consisting of 1-to-4 units which may or may not be attached to real property
Not 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 - Loans
No
Property of DocuTech Corporation Page 242
Wyoming(Package Type)
Proper Name of Disclosure
Generic Cx Number
License TypeLender/Broker/Both Loan Type Property Timing
Requirement Legal Reference Specific Language Required
Initial Disclosure & Closing
All Truth-in-Lending Disclosures
Cx18, Cx1591, and all other
TILA Disclosures (all
Federal)
A creditorBoth
A consumer loan, which is
generally a junior lien
Land or a dwelling
consisting of 1-to-4 units which may or may not be attached to real property
Various times
Wyo. Stat. Ann. § 40-14-320 (West
2012)Uniform
Consumer Credit Code - Loans
12 CFR Pt. 1026, App. G & H
Initial Disclosure, Processing,
Underwriting, & Closing
NMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan
Application
On Cx4193 (
FNMA/FHLMC)
Any person originating a residential mortgage
loanBoth
A 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
dwelling
With the loan application
Wyo. Stat. Ann. § 40-14-649 (West
2012)Wyoming Uniform
Consumer Credit Code
FNMA 1003 Form - Uniform
Residential Loan Application
Click here for Table of Contents
Property of DocuTech Corporation Page 243
1 Michigan law requires that the marital status of all male mortgagors be disclosed on all written instruments conveying or mortgaging real estate. This type of information can only be imported into the document if it is entered as a part of the vesting names in the loan origination system.