· Web viewCA Mortgage Guaranty Insurance Cancellation Disclosure Cx999 or Cx17040 A lender or...

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


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.

http://www.senate.gov/civics/constitution_item/constitution.htm

http://www.senate.gov/civics/constitution_item/constitution.htm

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


Click here for Table of Contents

Alabama(Package Type)


Generic Cx Number



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


https://www.fanniemae.com/singlefamily/selling-servicing-guide-forms



http://alisondb.legislature.state.al.us/acas/ACASLogin_UnsupportedBrowser.asp










Alabama(Package Type)


Generic Cx Number



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



http://www.alabamaadministrativecode.state.al.us/docs/agr/index.html

https://www.fanniemae.com/singlefamily/notes




Alaska(Package Type)


Generic Cx Number



Initial DisclosureAK Anti-Coercion


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 (


Cx58, Cx1032, and other

Notes

A lenderBoth

An obligation secured by a

mortgage or deed of trust

Not specified On the promissory note


2012)

Statutory

FNMA Form 3200



http://www.legis.state.ak.us/basis/folio.asp






Alaska(Package Type)


Generic Cx Number



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


2012) Alaska Small

Loans Act

No

ClosingAlaska Escrow

Account Agreement


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


(aka a residential mortgage loan)

A dwelling (a residential structure


units, or a condo or coop) or



to be) constructed,

including affixed manufactured

homes

Not specified


2012)Alaska Secure



2010

No






Arizona(Package Type)


Generic Cx Number



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)




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


http://www.gpo.gov/fdsys/browse/collectionCfr.action?collectionCode=CFR&searchPath=Title+12%2FChapter+X%2FPart+1024&oldPath=Title+12%2FChapter+X&isCollapsed=true&selectedYearFrom=2012&ycord=1058

http://www.azleg.gov/FormatDocument.asp?inDoc=/ars/6/00946.htm&Title=6&DocType=ARS




http://www.azsos.gov/public_services/Title_20/20-04.htm








Generic Cx Number





Cx2788


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


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


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




http://www.azleg.gov/FormatDocument.asp?inDoc=/ars/20/00452-03.htm&Title=20&DocType=ARS










Generic Cx Number



Initial Disclosure & Adverse Action

Appraisal Disclosure Cx3397




Both


mortgage loanReal estate Not specified

Ariz. Rev. Stat. Ann. §§ 6-906(c) & 6-946(c) (2012)

No






Arkansas(Package Type)


Generic Cx Number



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


Benefit Worksheet


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


http://www.lexisnexis.com/hottopics/arcode/Default.asp






Generic Cx Number



Initial DisclosureAR Anti-Coercion


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












Generic Cx Number




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



dwelling

On the application

Ark. Code Ann. § 23-39-510(b) (West 2012)

Fair Mortgage Lending Act


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










California(Package Type)


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


Lending Act

No


http://www.leginfo.ca.gov/calaw.html



http://ccr.oal.ca.gov/linkedslice/default.asp?SP=CCR-1000&Action=Welcome




Generic Cx Number



RequirementLegal

Reference


Initial Disclosure

CA Balloon Disclosure Regarding

Extension of Credit


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


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






Generic Cx Number



RequirementLegal

Reference


Initial Disclosure

CA Addendum to Uniform


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


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



http://www.dre.ca.gov/Forms/700-999.html








http://www.leginfo.ca.gov/cgi-bin/waisgate?WAISdocID=29654427473+0+0+0&WAISaction=retrieve






Generic Cx Number



RequirementLegal

Reference


Initial Disclosure

CA Balloon Disclosure



Estate Law)Both

A loan secured by a lien Real property


loan application


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


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


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











Generic Cx Number



RequirementLegal

Reference


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


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


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
















Generic Cx Number



RequirementLegal

Reference


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


loan application

Cal. Code Regs. tit. 10, §§ 1436(d) &

1950.314.8(d) (2013)

California Finance

Lenders Law and California


Lending Act

Comparison Chart

Initial Disclosure

CA Broker HPML Disclosure


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


2012)

Summary of Notice of Default - Spanish


http://www.corp.ca.gov/Laws/Residential_Mortgage/Forms.asp








http://www.corp.ca.gov/Laws/Residential_Mortgage/Regulations.asp#Releases

http://www.corp.ca.gov/Laws/Residential_Mortgage/Regulations.asp#Releases





Generic Cx Number



RequirementLegal

Reference


Initial Disclosure

High Cost Tangible Net

Benefit Worksheet


A person originating a covered loan.

Both

A covered loan that refinances a consumer

loan.

Real property used (or intended to be used) or


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)


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


before performing any services

for which the fee is charged

Cal. Code Regs. tit. 10, § 2970

(2013)Real Estate

Law

No







Generic Cx Number



RequirementLegal

Reference


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)









Generic Cx Number



RequirementLegal

Reference


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


http://www.gpo.gov/fdsys/browse/collectionCfr.action?collectionCode=CFR&searchPath=Title+12%2FChapter+X%2FPart+1002&oldPath=Title+12%2FChapter+X%2FPart+1024&isCollapsed=true&selectedYearFrom=2012&ycord=1058







Generic Cx Number



RequirementLegal

Reference


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


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


2012)No


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









Generic Cx Number



RequirementLegal

Reference



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


Statutory


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








Generic Cx Number



RequirementLegal

Reference







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


Closing

Automated Valuation Model

Notice


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


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












Generic Cx Number



RequirementLegal

Reference


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)


Lending Act

No






Generic Cx Number



RequirementLegal

Reference


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










Generic Cx Number



RequirementLegal

Reference


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


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







Generic Cx Number



RequirementLegal

Reference


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


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


ClosingCA Credit

Disability Claim Procedure


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










Generic Cx Number



RequirementLegal

Reference


ClosingCA Important

Privacy Choices for Consumers


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



http://www.privacy.ca.gov/privacy_laws/sb1_standards.pdf

http://www.privacy.ca.gov/privacy_laws/sb1_standards.pdf





Colorado(Package Type)


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)


Code

Statutory



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


http://www.lexisnexis.com/hottopics/colorado/










Generic Cx Number


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 dwelling or residential real


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










Generic Cx Number


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





USCA § 1602[v])

Before recommending an appropriate

mortgage product

4 Colo. Code Regs. § 725-3:3-1-1-5(4) (2013)Mortgage Loan


Mortgage Company

Registration Act

No

Initial Disclosure CO Lock-In Disclosure Cx13134

A mortgage loan originator

Both






USCA § 1602[v]).



borrower


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


http://www.colorado.gov/cs/Satellite/DORA-DRE/CBON/DORA/1251628374050


http://www.sos.state.co.us/CCR/Rule.do?deptID=18&deptName=700%20Department%20of%20Regulatory%20Agencies&agencyID=98&agencyName=725%20Division%20of%20Real%20Estate&ccrDocID=2915&ccrDocName=4%20CCR%20725-3%20MORTGAGE%20LOAN%20ORIGINATORS&subDocID=56917&subDocName=5-1-2%20%20MORTGAGE%20LOAN%20ORIGINATOR%20DISCLOSURES&version=46




http://www.sos.state.co.us/CCR/Rule.do?deptID=18&deptName=700%20Department%20of%20Regulatory%20Agencies&agencyID=98&agencyName=725%20Division%20of%20Real%20Estate&ccrDocID=2915&ccrDocName=4%20CCR%20725-3%20MORTGAGE%20LOAN%20ORIGINATORS&subDocID=56636&subDocName=3-1-1%20%20REASONABLE%20INQUIRY%20AND%20TANGIBLE%20NET%20BENEFIT&version=46




Generic Cx Number


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.



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


Mortgage Company

Registration Act

No

Initial Disclosure Addendum to Loan Application Cx13441 Not specified

Both Not specified Not specifiedNot specified, but

practically at application


105(3)(a) (West 2013)

Colorado Designated Beneficiary

Agreement Act

No




http://www.sos.state.co.us/CCR/Rule.do?deptID=18&deptName=700%20Department%20of%20Regulatory%20Agencies&agencyID=98&agencyName=725%20Division%20of%20Real%20Estate&ccrDocID=2915&ccrDocName=4%20CCR%20725-3%20MORTGAGE%20LOAN%20ORIGINATORS&subDocID=57600&subDocName=3-1-4%20%20PREPAYMENT%20PENALTIES&version=46

http://www.sos.state.co.us/CCR/Rule.do?deptID=18&deptName=700%20Department%20of%20Regulatory%20Agencies&agencyID=98&agencyName=725%20Division%20of%20Real%20Estate&ccrDocID=2915&ccrDocName=4%20CCR%20725-3%20MORTGAGE%20LOAN%20ORIGINATORS&subDocID=57600&subDocName=3-1-4%20%20PREPAYMENT%20PENALTIES&version=46



Generic Cx Number


Required

Initial Disclosure CO Dual Status Disclosure Cx14095



Mortgage Company Registration Act who

also acts as a real estate broker or

salesperson.Both

Residential mortgage loans




units



borrower

Colo. Rev. Stat. Ann. § 12-61-912

(West 2013); 4 Colo. Code Regs. § 725-3:7-1-1-4

(2013)Colorado



Registration Act

Dual Status Disclosure

Initial Disclosure Cost of Insurance Disclosure


The creditorLenders

A consumer credit

transaction (consumer loan)

Land Not specified


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








http://www.sos.state.co.us/CCR/Rule.do?deptID=18&deptName=700%20Department%20of%20Regulatory%20Agencies&agencyID=98&agencyName=725%20Division%20of%20Real%20Estate&ccrDocID=2915&ccrDocName=4%20CCR%20725-3%20MORTGAGE%20LOAN%20ORIGINATORS&subDocID=56640&subDocName=7-1-1%20%20DUAL%20STATUS%20DISCLOSURE&version=46




Generic Cx Number


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)


Code and Uniform

Consumer Credit Code – Remedies

and Penalties

No


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






On Cx4193 (

FNMA/FHLMC)

A licensee or registrant under the Mortgage


Mortgage Company Registration Act

(includes mortgage loan originators and

mortgage companies)Both






USCA § 1602[v])

On the application


(West 2013)Mortgage Loan


Mortgage Company

Registration Act

FNMA 1003 Form - Uniform















Generic Cx Number


Required



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


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




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



Registration Act



Colorado Tangible Net Benefit Disclosure

Initial Disclosure, TILA Redisclosure,

& Closing

Itemization of Amount Financed

01-01-10

Cx14224 (Federal)




Both





units


loan application or any money from a

borrower


914 (2)(b) (West 2013); 4 Colo. Code Regs. §

725-3:5-1-2-5(3) (2013)

Colorado Mortgage Loan


Mortgage Company

Registration Act

12 CFR Pt. 1026, App. H; Form H-3



http://www.sos.state.co.us/CCR/Rule.do?deptID=18&deptName=700%20Department%20of%20Regulatory%20Agencies&agencyID=98&agencyName=725%20Division%20of%20Real%20Estate&ccrDocID=2915&ccrDocName=4%20CCR%20725-3%20MORTGAGE%20LOAN%20ORIGINATORS&subDocID=56917&subDocName=5-1-2%20%20MORTGAGE%20LOAN%20ORIGINATOR%20DISCLOSURES&version=46
















Generic Cx Number


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


(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


(West 2013)Uniform


No

Closing CO Balloon Note Disclosure Cx2793 A creditor

Consumer credit transaction (a

consumer loan)Land

At the time the transaction is entered

into


(West 2013)Uniform


No








Connecticut(Package Type)


Generic Cx Number



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



USCA §1602), or residential real estate which is or will contain

such a dwelling.

Prior to the payment of any

advance fee


498(c) (West 2013)

Partial Statutory


http://www.cga.ct.gov/2011/pub/chap668.htm#Sec36a-498.htm


http://frwebgate.access.gpo.gov/cgi-bin/usc.cgi?ACTION=BROWSE&TITLE=15USCC41&PDFS=YES



http://www.cga.ct.gov/2011/pub/chap392.htm#Sec20-325c.htm

http://www.cga.ct.gov/2011/pub/chap392.htm#Sec20-325c.htm





Generic Cx Number



Initial DisclosureCT Notice of Right to

Receive Copy of Appraisal

Cx3752 A financial institutionBoth Mortgage loan


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


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


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


before consummation

Conn. Gen. Stat. Ann. § 36a-746b

(West 2013)Connecticut

Abusive Home Loan Lending Practices Act

Partial Statutory


http://www.cga.ct.gov/2011/pub/chap669.htm#Sec36a-746b.htm

http://www.cga.ct.gov/2011/pub/chap669.htm#Sec36a-760g.htm

http://www.cga.ct.gov/2011/pub/chap669.htm#Sec36a-760g.htm

http://www.cga.ct.gov/2011/pub/chap669.htm#Sec36a-746e.htm

http://www.cga.ct.gov/2011/pub/chap669.htm#Sec36a-746e.htm

http://www.cga.ct.gov/2011/pub/chap846.htm#Sec49-6a.htm

http://www.cga.ct.gov/2011/pub/chap846.htm#Sec49-6d.htm





Generic Cx Number




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


owner-occupied real property

At the time the application is

filed


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


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








http://www.cga.ct.gov/2011/pub/chap669.htm#Sec36a-760d.htm


http://www.cga.ct.gov/2011/pub/chap669.htm#Sec36a-760a.htm

http://www.cga.ct.gov/2011/pub/chap669.htm#Sec36a-760a.htm

http://www.jud.ct.gov/external/supapp/Cases/AROcr/CR289/289CR152.pdf



Generic Cx Number



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




Application

On Cx4193 (

FNMA/FHLMC)

A mortgage loan originator, loan

processor, or underwriter

Both



estate upon which is, or will be, a dwelling (defined in 15 USCA §1602)

At application Conn. Gen. Stat. Ann. § 36a-498d



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



http://www.cga.ct.gov/current/pub/chap846.htm#Sec49-10b.htm





http://www.ct.gov/dob/cwp/view.asp?a=2240&q=314732

http://www.ct.gov/dob/cwp/view.asp?a=2240&q=314732


Delaware(Package Type)


Generic Cx Number



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


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)


Initial DisclosureDE Mortgage Loan

Broker Regulations

Cx3593

A licensee under Chapter 21, Title 5 (Del. Code Ann. §§

2101 through 2119)Brokers

A mortgage loan



At the time application is

made

5 Del. Admin. Code § 2103-1.0

(2013)Administrative


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




Del. Code Ann. tit. 13, § 212(a)

(West 2013)No


http://delcode.delaware.gov/title13/c002/index.shtml#212

http://regulations.delaware.gov/AdminCode/title5/2200/index.shtml#TopOfPage

http://regulations.delaware.gov/AdminCode/title5/2200/2203.shtml#TopOfPage

http://delcode.delaware.gov/title5/c022/sc03/index.shtml#2231





http://regulations.delaware.gov/AdminCode/title5/2100/index.shtml#TopOfPage




Delaware(Package Type)


Generic Cx Number



Initial DisclosureDE Mortgage Loan

Commitment Letter

Cx15752 A qualified lenderBoth A mortgage loan

A 1-to-4 family residential,


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






On Cx4193 (

FNMA/FHLMC)


loanBoth


A dwelling (as defined in Section 103[v] of TILA) or


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


Loan Application










(Package Type)


Generic Cx Number


Requirement Legal Reference Specific Disclosure Required



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



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


http://government.westlaw.com/linkedslice/default.asp?RS=GVT1.0&VR=2.0&SP=dcc-1000&Action=Welcome



(Package Type)


Generic Cx Number



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





dwelling

At the time brokerage

services are first offered

D.C. Code Ann. § 26-1114(b)(3)

(2012)Statutory



http://www.dcregs.dc.gov/Gateway/ChapterHome.aspx?ChapterNumber=26-C20

http://www.dcregs.dc.gov/Gateway/ChapterHome.aspx?ChapterNumber=26-C20





(Package Type)


Generic Cx Number



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





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


(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)





dwelling

Within 3 business days of an application

D.C. Code Ann. § 26-1113(a-1)

(2012) Statutory


BothA mortgage or deed of trust Not specified Not specified

D.C. Code Ann. §§ 15-502 & 46-401

(2012)No






http://www.dcregs.dc.gov/Gateway/RuleHome.aspx?RuleNumber=26-C1117




(Package Type)


Generic Cx Number



Initial DisclosureDC Spanish Mortgage

Disclosure Form

Cx15561 (Spanish)


(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)





dwelling

Within 3 business days of an application

D.C. Code Ann. § 26-1113(a-1)(8)

(b) (2012)Statutory (Spanish)



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


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


12 CFR Pt. 1026, App. H










(Package Type)


Generic Cx Number



Initial Disclosure, Processing, TILA

Redisclosure, Underwriting, &

Closing

Various Federal disclosures used

to fulfill loan application disclosure

requirements


(FNMA/FHLMC),

Cx14089 (Federal), and

Cx14221 (Federal)


(D.C. Code Ann. §§ 26-1101 through 26-1121)

Both

A mortgage loan






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


Loan Application


Waiver of 72 Hour Notice




Both

A mortgage loan






4 family home

Prior to execution of the financing

agreement

D.C. Code Ann. § 26-1113(b)(2)

(2012)No










(Package Type)


Generic Cx Number




DC Nonresident Borrower

Confirmation


A lenderBoth A covered loan

Residential real property in which there is (or is to be) located a 1-to-4 family unit



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


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


defined in Section 103[v] of the

TILA) or residential real



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







(Package Type)


Generic Cx Number



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



Both

A mortgage loan






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








http://otr.cfo.dc.gov/otr/frames.asp?doc=/otr/lib/otr/rod_move/rod-2.pdf

http://otr.cfo.dc.gov/otr/frames.asp?doc=/otr/lib/otr/rod/rod-1.pdf

http://www.dcregs.dc.gov/Gateway/RuleHome.aspx?RuleNumber=9-338





Florida(Package Type)


Generic Cx Number



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


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


http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&Search_String=&URL=0400-0499/0494/Sections/0494.0068.html

https://www.flrules.org/gateway/RuleNo.asp?title=ANTI-COERCION&ID=69O-124.013




https://www.flrules.org/gateway/ChapterHome.asp?Chapter=69B-124






Generic Cx Number



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







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


https://www.flrules.org/gateway/RuleNo.asp?title=TITLE%20INSURANCE%20RATES&ID=69O-186.002


https://www.flrules.org/gateway/RuleNo.asp?title=MORTGAGE%20BROKERAGE&ID=69V-40.175








Generic Cx Number



Initial Disclosure FL Broker Disclosure Cx4133



494.0043)Brokers

A mortgage loan







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


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






Generic Cx Number



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





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




or co-op units



Fla. Stat. Ann. § 494.00792(1)(a) (West


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








Generic Cx Number




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




or co-op units

Not specified

Fla. Stat. Ann. § 494.00791(9) (West


Act

No

Initial Disclosure FL Interest Rate Lock Agreement Cx13498

A licensed mortgage lender under Part 3 of Chapter 494, Title 33


494.0077), though the agreement may be given via a broker

Both

A mortgage loan







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





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










Generic Cx Number



Initial DisclosureGood Faith

Estimate 01-01-10

Cx14221 (Federal)

A licensed mortgage lender under Part 3 of Chapter 494, Title 33


494.0077)Both

A mortgage loan







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





or co-op units



Fla. Stat. Ann. § 494.00792(1)(b) (West


Act











Generic Cx Number





Disclosure

Cx1591 (Federal) &

CHARM Booklet

(Federal)



494.0043)Both

A mortgage loan







units

At the time when an adjustable rate mortgage loan is

offered and whenever the

terms of such loan materially changes

before closing


2012)


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


494.0077)Both

A mortgage loan







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








Generic Cx Number



Closing

Right to Cancel – NOT a Refi. With Original Lender

Forms


(Federal), & Cx8206

(Federal)

A creditor A high-cost home loan




or co-op units



Fla. Stat. Ann. § 494.00792(2)(d) (West


Act

12 CFR Pt. 1026, App. H, Forms H-8

& H-9

Closing Florida Radon Gas Notification


Not specifiedBoth Not specified A building

At the time of or prior to contract

for sale and purchase of any

building.


2012)Florida Radiation

Protection Act

Statutory

ClosingFL Telephone Re-

Disclosure Certification

UR A lenderBoth





or co-op units

At consummation

Fla. Stat. Ann. § 494.00792(2)(c)(2)(b)

(West 2012)Florida Fair Lending

Act

No



http://www.leg.state.fl.us/Statutes/index.cfm?App_mode=Display_Statute&Search_String=&URL=0400-0499/0494/Sections/0494.00792.html



http://www.leg.state.fl.us/Statutes/index.cfm?App_mode=Display_Statute&Search_String=&URL=0400-0499/0494/Sections/0494.00792.html


Georgia(Package Type)


Generic Cx Number



Initial Disclosure

Acknowledgment of Receipt of Good Faith Estimate and


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



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


http://www.lexisnexis.com/hottopics/gacode/Default.asp


http://rules.sos.state.ga.us/cgi-bin/page.cgi?g=DEPARTMENT_OF_BANKING_AND_FINANCE%2FRESIDENTIAL_MORTGAGE_BROKERS_AND_LENDERS%2FDISCLOSURE__ADVERTISING_AND_OTHER_REQUIREMENTS%2Findex.html&d=1





Generic Cx Number



Initial DisclosureAdvanced

Fee/Application Disclosure

Cx2783

A licensee or registrant under the Georgia


Both


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




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


No

Initial Disclosure Right to Choose Attorney Cx3846 Not specified

Both


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









Generic Cx Number



Initial DisclosureGA Disclosure of

Net Tangible Benefit


A high-cost home loan which

refinances a special home

loan consummated

with the prior 5 years

Real estate upon which is located a


principal dwelling

Not specified

Ga. Code Ann. § 7-6A-4 (West

2012)Georgia Fair Lending Act

No

Initial Disclosure GA Lock-In Agreement


A licensed or registered lender or

broker under the Georgia Residential

Mortgage ActBoth

A mortgage loan





Not specified

Ga. Code Ann. §§ 7-1-1000(16), 7-1-1021, & 13-5-

30(7) (West 2012)

Georgia Residential

Mortgage Act

No




Application


An person originating a residential mortgage

loanBoth



Section 103[v] of TILA) or



dwelling, consisting of 1-

to-4 units

On the application

Ga. Code Ann. § 7-1-1004.3 (West

2012)Georgia



Loan Application














Generic Cx Number



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


Real estate upon which is located a


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


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





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


Administrative




https://etax.dor.ga.gov/inctax/withholding_tax_forms.aspx



http://rules.sos.state.ga.us/cgi-bin/page.cgi?g=DEPARTMENT_OF_REVENUE%2FINCOME_TAX_DIVISION%2FRETURNS_AND_COLLECTIONS%2Fmore2.html&d=1




https://www.fanniemae.com/singlefamily/security-instruments





Generic Cx Number



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




https://etax.dor.ga.gov/ptd/adm/forms/exemptions.aspx







Hawaii(Package Type)


Generic Cx Number





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




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


http://www.capitol.hawaii.gov/hrscurrent/Vol09_Ch0431-0435E/HRS0431/HRS_0431-0010B-0112.htm

http://www.capitol.hawaii.gov/hrscurrent/Vol09_Ch0431-0435E/HRS0431/HRS_0431-0013-0104.htm

http://www.capitol.hawaii.gov/hrscurrent/Vol13_Ch0601-0676/HRS0667/HRS_0667-0041.htm

http://www.capitol.hawaii.gov/hrscurrent/Vol12_Ch0501-0588/HRS0572B/HRS_0572B-0009.htm



Hawaii(Package Type)


Generic Cx Number




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)







On Cx4193 (

FNMA/FHLMC)


loanBoth

Residential mortgage loan




to be) constructed

On the application

Haw. Rev. Stat. Ann. § 454F-19

(West 2012)Secure and Fair Enforcement for

Mortgage Licensing Act


Loan Application






http://www.capitol.hawaii.gov/hrscurrent/Vol10_Ch0436-0474/HRS0454F/HRS_0454F-0019.htm




http://www.capitol.hawaii.gov/hrscurrent/Vol08_Ch0401-0429/HRS0412/HRS_0412-0009-0302.htm


Idaho(Package Type)


Generic Cx Number



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


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



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



26-31-101 through 26-31-321)

Both





a dwelling

At the time of application

Idaho Admin. Code r.

12.01.10.050 (3) & (4) (2013)

Idaho Residential Mortgage

Practices Act




http://finance.idaho.gov/Mortgage/MortgageForms.aspx



http://adminrules.idaho.gov/rules/current/12/index.html


http://legislature.idaho.gov/idstat/Title41/T41CH13SECT41-1312.htm







Idaho(Package Type)


Generic Cx Number



Initial Disclosure ID Prepayment Penalty Disclosure Cx3770

Either: (1) a creditor; or (2) a licensee under the Idaho Residential


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



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



Initial Disclosure

ID Interest Rate Lock-In

Confirmation Agreement

Cx14157



26-31-101 through 26-31-321)

Both





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



Initial Disclosure ID Commitment Agreement


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







http://legislature.idaho.gov/idstat/Title26/T26CH31SECT26-31-211.htm






Idaho(Package Type)


Generic Cx Number




Closing


Disclosure and Good Faith

Estimate 01-01-10


(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


defined in Section 103[v] of TILA) or on residential real


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






On Cx4193 (

FNMA/FHLMC)

Any person engaged in the origination of a

residential mortgage loanBoth





a dwelling

On the application

Idaho Code Ann. § 26-31-320 (West 2013)

Idaho S.A.F.E. Mortgage

Licensing Act


Loan Application


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












Idaho(Package Type)


Generic Cx Number




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 dwelling

Before accepting any fees at

closing

Idaho Code Ann. § 26-31-317(19)

(West 2013)Idaho S.A.F.E.


12 CFR Pt. 1024, App. A & C







Illinois(Package Type)


Generic Cx Number



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






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



http://www.ilga.gov/commission/jcar/admincode/038/038010500J11100R.html


http://www.ilga.gov/legislation/ilcs/ilcs3.asp?ActID=2356&ChapterID=67



Generic Cx Number



Initial DisclosureIL Mortgage

Escrow Account Act

Cx1207


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




which is (or is intended to be) constructed a dwelling, but

which is also a single-family

security, owner-occupied real

estate


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


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


loan


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


http://www.idfpr.com/DFI/CCD/ccd_apps.asp



http://ilga.gov/commission/jcar/admincode/038/038001900B05750R.html










http://ilga.gov/commission/jcar/admincode/038/038010500L13600R.html

http://ilga.gov/commission/jcar/admincode/038/038010500J11100R.html




Generic Cx Number



Initial DisclosureIL Loan Brokerage

Disclosure Statement

Cx1908


Ann. 635)Brokers






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


No

Initial Disclosure IL Loan Brokerage Agreement Cx1909


Ann. 635) who perform loan

brokering servicesBrokers






dwelling


or pays any consideration

(whichever comes first)

Ill. Admin. Code tit. 38, §§ 1050.1010,

1050.1170, 1050.1335, &

1050.1340 (2013)Residential


No



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


205 Ill. Comp. Stat. Ann. 670/15b (West 2013)

Consumer Installment Loan

Act

No






http://ilga.gov/commission/jcar/admincode/038/038010500I10100R.html

http://ilga.gov/commission/jcar/admincode/038/038010500I10200R.html



Generic Cx Number





Cx2783


Ann. 635)Both






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


Ann. 635)Both






dwelling



(2013)Residential


No

Initial Disclosure IL GFE Charges Paid by Seller Cx13000


Ann. 635)Both

A FHA-insured or VA-guaranteed






dwelling


Ill. Admin. Code tit. 38, § 1050.1320(b)

(2013)Residential


No









Generic Cx Number



Initial Disclosure IL Notice to Borrower 13001 A lender


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 dwelling (as

defined in Section 103[v] of




dwelling

With forms furnished for application by

mail

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


Ann. 635)Both






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


Act of 1987

No


http://www.idfpr.com/Banks/RESFIN/lockins.PDF

http://www.ilga.gov/commission/jcar/admincode/038/038010500L13350R.html







Generic Cx Number



Initial Disclosure

IL Pledged Time Deposit Account

Disclosure – Example

Cx14180


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





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


Code tit. 38, § 1050.1110(f)

(2013)Mortgage Escrow Account Act and


Act of 1987

No

Initial Disclosure IL Loan Approval Notice



Ann. 635)Both






dwelling

Immediately upon approval of


application


(2013)Residential


No

Initial Disclosure


Benefit Worksheet


A lenderBoth

A high risk home loan


Not specified


2013)High Risk Home

Loan Act

No








Generic Cx Number



Initial DisclosureIL Notice of

Independent Review


A high risk home loan


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


A licensee under the Residential Mortgage License Act of 1987

Both






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


No

Initial DisclosureIL Disclosure of

Refinancing Options


A licensee under the Residential Mortgage License Act of 1987

Both






dwelling

When the subject of a future loan is

discussed

205 Ill. Comp. Stat. Ann. 635/5-12 (West 2013)Residential


No


http://www.ilga.gov/legislation/ilcs/ilcs4.asp?DocName=020506350HArt.+V&ActID=1196&ChapterID=20&SeqStart=4700000&SeqEnd=6100000



http://www.idfpr.com/dfi/ccd/pdfs/indepent_review.pdf






Generic Cx Number



Adverse Action & Closing

IL Failure to Close Disclosure Cx1013


Ann. 635)Both






dwelling

After a loan fails to close


(2013)Residential


No


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


2013)Mortgage Insurance

Limitation and Notification Act

No


IL Failure to Qualify Notice Cx1603


Ann. 635)Both






dwelling

Immediately after determining that a borrower does not qualify

for the loan applied for and

the costs of another

recommended program

materially differ


(2013)Residential


No


http://www.ilga.gov/commission/jcar/admincode/038/038010500K12300R.html





Generic Cx Number




IL Notice of Change Affecting

LoanCx1605


Ann. 635)Both






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


(2013)Residential


No








loanBoth






dwelling

On the application

205 Ill. Comp. Stat. Ann. 635/7-14 (West 2013)Residential





IL Notice of Material Facts


A mortgage broker, who is licensed under

the Residential Mortgage License Act of 1987 (205 Ill. Comp.

Stat. Ann. 635)Both






dwelling

Not specified

205 Ill. Comp. Stat. Ann. 635/5-7(a)(3)

(West 2013)Residential


No






http://www.ilga.gov/legislation/ilcs/ilcs4.asp?DocName=020506350HArt.+VII&ActID=1196&ChapterID=20&SeqStart=6500000&SeqEnd=-1

http://ilga.gov/commission/jcar/admincode/038/038010500K12300R.html



Generic Cx Number



ClosingAssignment Sale


Cx21 (Federal)


Ann. 635)Both






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


12 CFR Pt. 1024, MS-2

ClosingHomestead Waiver in IL Mortgage

On Cx323 (


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


Ann. 635)Both

A primary lien, residential

mortgage loan which provides for an escrow

account





dwelling

At closing


(2013)Residential


No






http://www.ilga.gov/legislation/ilcs/ilcs4.asp?DocName=073500050HArt.+XII+Pt.+9&ActID=2017&ChapterID=56&SeqStart=96900000&SeqEnd=98300000


http://ilga.gov/commission/jcar/admincode/038/038010500G08200R.html

http://www.ilga.gov/legislation/ilcs/ilcs4.asp?DocName=020506350HArt.+III&ActID=1196&ChapterID=20&SeqStart=1800000&SeqEnd=2800000



Generic Cx Number



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



guaranteed

Either: (1) a residence; or (2)

a dwelling (as defined in






At closing


Code tit. 38, § 1050.1360(a)(1)

(2013)Mortgage Escrow Account Act and


Act of 1987

No

ClosingIL Collateral

Protection Act Notice


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









Generic Cx Number



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



guaranteed, or in which an escrow account or other

specific arrangement for payment of taxes

is made







At closing


(2) (2013)Residential


No

ClosingIL Mortgage

Escrow Account Act

Cx16095

Not specified, but practically a mortgage

lenderLenders

A purchase loan A residence At closing


2013)Mortgage Escrow

Account Act

Mostly Statutory







Indiana(Package Type)


Generic Cx Number





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


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


Ind. Code Ann. § 24-9-4-11 (West

2012)Statutory


http://www.in.gov/legislative/ic/code/title24/ar9/ch4.html

http://www.in.gov/sos/securities/2803.htm



http://www.in.gov/legislative/iac/iac_title?iact=710






http://www.in.gov/legislative/ic/code/title24/ar4.5/ch4.html



Generic Cx Number



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


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


transactions

An interest in land used (or

expected to be used) as the

debtor’s principal dwelling


charging for optional

consumer credit insurance

Ind. Code Ann. § 24-4.5-3-202(2)

(West 2012)Uniform

Consumer Credit Code - Loans

No


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









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


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


Loan Application










http://www.in.gov/attorneygeneral/2418.htm

http://www.in.gov/attorneygeneral/2418.htm

http://www.in.gov/legislative/ic/code/title24/ar5/ch23.5.html



Generic Cx Number



Closing

High Cost Home Loan Legend,

Document Preparation

Disclosure, and Social Security Redactment

Affirmation on IN Mortgage

On Cx324 (


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


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


Indiana Property Tax Benefits - State

Form 51781


http://www.in.gov/dlgf/8516.htm#Deductions







http://www.in.gov/legislative/ic/code/title36/ar2/ch7.5.html




Generic Cx Number



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






Iowa(Package Type)


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



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


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




Varnum v. Brien, 763 N.W.2d 862

(Iowa 2009)No


http://www.iowacourts.gov/supreme_court/recent_opinions/20090403/07-1499.pdf?search=07-1499#_1

http://search.legis.state.ia.us/nxt/gateway.dll/ic?f=templates&fn=default.htm





Iowa(Package Type)


Generic Cx Number




A creditorLenders

A consumer credit


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


charging for consumer credit

insurance

Iowa Code Ann. § 537.2501(2) (West 2013)

Iowa Consumer Credit Code –

Finance Charges and Related Provisions

No


& ClosingTILA Disclosures

Cx18, Cx1531, and other TILA

Disclosures

A personBoth

A consumer credit






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





Iowa(Package Type)


Generic Cx Number




NMLS Number Disclosed on 1003

Uniform Residential Loan

Application


A person originating a residential mortgage

loanBoth



section 103[v] of TILA) or



dwelling

On the application

Iowa Code Ann. § 535D.19 (West

2013)Iowa Secure and Fair Enforcement

for Mortgage Licensing Act




& 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,


Cx21 (Federal)

Not specified, but practically the original

creditorBoth

A consumer credit






Not specified

Not specified, but practically before or

at the time the loan is assigned




12 CFR Pt. 1024, App. MS-2









Iowa(Package Type)


Generic Cx Number


Closing

Notice to Consumer on IA

Mortgage Second and Fixed Rate

Note Iowa Second

On Cx479 & Cx1044

A creditorBoth

A consumer credit


of $25,000 or less, excluding both open end

credit and a first lien used to




Not specified

On any writing evidencing a





Statutory

Closing

Homestead Waiver on IA Mortgage, IA

Mortgage FHA, IA Mortgage Second,

and HELOC Mortgage Less

than 25000 – IA

On Cx321 (


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





Iowa(Package Type)


Generic Cx Number


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)


Closing IA Notice to Cosigners Cx1022

Not specified, but practically by the

lenderBoth

A consumer credit






Not specified



obligation or any writing setting forth

the terms of the debtor’s agreement




Statutory




Iowa(Package Type)


Generic Cx Number


Closing

Consumer Credit Transaction

Notice on Fixed Rate Note Iowa

Second

On Cx1044

Not specified, but practically by the

lenderBoth

A consumer credit






Not specified On the fact of the negotiable instrument




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


the borrower


charging the disclosed fees

Iowa Code Ann. § 535.8(2)(b) (West 2013)

12 CFR Pt. 1024, App. A








Kansas(Package Type)


Generic Cx Number



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


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


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


http://kslegislature.org/li/b2013_14/statute/050_000_0000_chapter/050_010_0000_article/050_010_0015_section/050_010_0015_k/



http://www.kssos.org/Pubs/pubs_kar.aspx


http://kslegislature.org/li/b2013_14/statute/016a_000_0000_chapter/016a_003_0000_article/016a_003_0207_section/016a_003_0207_k/




Generic Cx Number







(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



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






Generic Cx Number



Initial Disclosure Dual Capacity Disclosure


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



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




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



A creditorLenders





(2) a junior lien

Land


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








Generic Cx Number



Initial DisclosureKS Estimated

Disclosure Document




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


Closing

Various TILA Disclosures

Cx18, Cx1591, and other TILA Disclosures (All

Federal)

A creditorBoth





(2) a junior lien

Land At various times

Kan. Admin. Regs. § 75-6-26

(2013)Uniform


12 CFR Pt. 1026, App. G & H

Closing

Various Kansas Notes and Mortgages

Cx5 (


Cx325 (

FNMA/FHLMC), Cx378 (FHA), Cx483, and

Cx1048

A creditorBoth

A closed-end consumer credit

transaction (consumer loan), which is either:




(2) a junior lien

Land On the written loan agreement

Kan. Stat. Ann. § 16a-3-202 (West

2012)Revised Uniform Consumer Credit


Agreement and Practices

Statutory












Generic Cx Number



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


Kan. Stat. Ann. §§ 16-207(b) & 16a-

1-109 (West 2012); Kan.

Admin. Regs. § 75-6-1 (2013)

No








Kentucky(Package Type)


Generic Cx Number





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


Residential real property, which is

a dwelling (as defined in 15

USCA § 1602[v]) or any real

property upon which is (or is


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






dwelling

Not specified

Ky. Rev. Stat. Ann. §§ 286.8-120(7) & 286.8-

270(2) (West 2012)

Mortgage Licensing and

Regulation Act

No


http://www.lrc.ky.gov/KRS/286-08/CHAPTER.HTM






http://www.lrc.ky.gov/kar/806/009/190.htm







Generic Cx Number



Initial DisclosureKY Notice to

Borrower – High Cost Loans

Cx4264

A lender, including mortgage brokers and

finance companiesBoth


Residential real property which is

(or will be) the borrower’s

principal dwelling


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






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




Disclosure on 1003 Uniform


On Cx4193 (

FNMA/FHLMC)

Any person originating a mortgage loan

BothA mortgage loan






dwelling

On the application

Ky. Rev. Stat. Ann. § 286.8-

030(5)Mortgage



Loan Application







http://www.gpo.gov/fdsys/browse/collectionCfr.action?collectionCode=CFR&searchPath=Title+24%2FSubtitle+B%2FChapter+Xx%2FPart+3500&oldPath=Title+24%2FSubtitle+B%2FChapter+Xx&isCollapsed=true&selectedYearFrom=2012&ycord=1920






Generic Cx Number




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






dwelling


closing

808 Ky. Admin. Regs. 12:050(1)

(2012)Mortgage


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



http://www.kfi.ky.gov/industry/Pages/khpc.aspx




http://www.lrc.ky.gov/KRS/198A00/CHAPTER.HTM

http://kchr.ky.gov/reports/brochures.htm

http://kchr.ky.gov/reports/brochures.htm






Louisiana(Package Type)


Generic Cx Number



Initial Disclosure

LA Loan Brokerage Agreement and



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



dwelling

With the application

La. Rev. Stat. Ann. §§ 9:3572.10 &

9:3572.11 (2012)Louisiana

Consumer Credit Law

No



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


http://www.legis.state.la.us/lss/lss.asp?doc=509078






Generic Cx Number



Initial DisclosureLA Mortgage Loan

Origination Agreement

Cx4828 A mortgage brokerBrokers



USCA § 1602[v]) or residential immovable



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



USCA § 1602[v]) or residential immovable



dwelling

Prior to collecting an application fee

La. Rev. Stat. Ann. § 6:1096(J)(1)

(2012)Louisiana S.A.F.E.


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


closing

La. Rev. Stat. Ann. §§ 6:1096 &

6:1097 (2012)Louisiana S.A.F.E.


Lending Act

FNMA Form 3200

12 CFR Pt. 1024, App. A




http://www.legis.state.la.us/lss/lss.asp?doc=105699&showback=






Generic Cx Number



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





Maine(Package Type)


Generic Cx Number


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


Me. Rev. Stat. Ann. tit. 36, §

5250-A(9) (2011)Maine Income

Tax Law

REW-4 - Notification of

Buyer(s) of Withholding Tax

Requirement



Cx2778

A creditor or a lender, the latter of which includes a financial institution, credit

union, or supervised lenderBoth


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


mortgage loan; or (2) a


(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


No


http://www.mainelegislature.org/legis/statutes/9-B/title9-Bsec241.html

http://www.mainelegislature.org/legis/statutes/9-A/title9-Asec9-303.html


http://www.mainelegislature.org/legis/statutes/24-A/title24-Asec2169.html

http://www.state.me.us/revenue/forms/rew/rew.htm



http://www.mainelegislature.org/legis/statutes/36/title36sec5250-A.html

Maine(Package Type)


Generic Cx Number


Required

Initial DisclosureME Balloon

Addendum to Loan Application


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


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 loan)


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


http://www.maine.gov/pfr/consumercredit/licensing/loan_broker/



http://www.maine.gov/sos/cec/rules/02/chaps02.htm




Maine(Package Type)


Generic Cx Number


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 loan)


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




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



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



12 CFR Pt. 1016, App. A





http://www.mainelegislature.org/legis/statutes/19-A/title19-Asec650-A.html











Maine(Package Type)


Generic Cx Number


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


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



The creditorBoth

A consumer credit

transaction (consumer loan), which generally

excludes purchase,



loans


interest in land


charging for any of the disclosed

insurances


501(2) (2011)Maine Consumer

Credit Code – Finance Charges

and Related Provisions

No

Initial Disclosure ME PMI Disclosure


A supervised lender or a loan broker

BothA mortgage loan Residential real

propertyAt the time of

application


507 (2011)No


http://www.mainelegislature.org/legis/statutes/33/title33sec507.html







Maine(Package Type)


Generic Cx Number


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,


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


1320(1-B) & (2) (2011)

Fair Credit Reporting Act

No


& Closing


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


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




http://www.mainelegislature.org/legis/statutes/9-A/title9-Asec10-307-A.html

http://www.mainelegislature.org/legis/statutes/9-A/title9-Asec10-307-A.html




Maine(Package Type)


Generic Cx Number


Required


Appraisal Disclosure Cx3397

Either: (1) a creditor; or (2) a financial

institutionBoth

A consumer credit


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



No






On Cx4193 (

FNMA/FHLMC)


loanBoth






dwelling

On the application

Me. Rev. Stat. Ann. tit. 9-A, § 13-118 (2011)

The Maine Secure and Fair Enforcement for


2009




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








http://www.mainelegislature.org/legis/statutes/9-B/title9-Bsec447.html



Maine(Package Type)


Generic Cx Number


Required



Cx21 (Federal) A supervised lenderBoth

A supervised loan

Real estate, manufactured housing, or an interest in land

Before assignment of the loan



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,



loans


interest in land


with signing any writing setting forth

the debtor’s agreement





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


505 (2011)No



http://www.gpo.gov/fdsys/browse/collectionCfr.action?collectionCode=CFR&searchPath=Title+16%2FChapter+I%2FSubchapter+D%2FPart+444&oldPath=Title+16%2FChapter+I%2FSubchapter+D&isCollapsed=true&selectedYearFrom=2012&ycord=1200

http://www.gpo.gov/fdsys/browse/collectionCfr.action?collectionCode=CFR&searchPath=Title+12%2FChapter+Vii%2FSubchapter+A%2FPart+706&oldPath=Title+12%2FChapter+Vii%2FSubchapter+A&isCollapsed=true&selectedYearFrom=2012&ycord=840

http://www.gpo.gov/fdsys/browse/collectionCfr.action?collectionCode=CFR&searchPath=Title+12%2FChapter+V%2FPart+535%2FSubpart+B&oldPath=Title+12%2FChapter+V%2FPart+535&isCollapsed=true&selectedYearFrom=2012&ycord=1320

http://www.gpo.gov/fdsys/browse/collectionCfr.action?collectionCode=CFR&searchPath=Title+12%2FChapter+II%2FSubchapter+A%2FPart+227%2FSubpart+B&oldPath=Title+12%2FChapter+II%2FSubchapter+A%2FPart+227&isCollapsed=true&selectedYearFrom=2012&ycord=1920






Maine(Package Type)


Generic Cx Number


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


http://www.maine.gov/dps/fmo/index.htm





http://www.maine.gov/revenue/propertytax/municipalservices/buyersandsellers/buyersandsellers.htm

http://www.maine.gov/revenue/propertytax/municipalservices/buyersandsellers/buyersandsellers.htm

http://www.mainelegislature.org/ros/LOM/LOM123rd/123S1/PUBLIC687.asp


Maryland(Package Type)


Generic Cx Number



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


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


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



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


Md. Code Ann., Com. Law §§ 12-124 (West 2012);

Md. Code Ann., Ins. § 27-214 (West

2012)

No


http://mgaleg.maryland.gov/webmga/frmStatutes.aspx?pid=statpage&tab=subject5






http://www.dsd.state.md.us/comar/getfile.aspx?file=09.03.06.06.htm








Generic Cx Number



Initial Disclosure MD Notice of Waiver Cx3278



Both



deed of trust



At least 72 hours before the time of settlement


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


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



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


http://www.dhcd.state.md.us/Website/Housing/Counseling/default.aspx



















Generic Cx Number



Initial Disclosure MD Loan Commitment Cx4174



Both



deed of trust



At least 72 hours before the time of settlement


125(c)(1), 12-922(c), & 12-1022(c) (West

2012); Md. Code Regs.

09.03.06.06(C)(2) (2012)


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













Generic Cx Number



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


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



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)


Law

No


Both Not specified Not specified Not specifiedMd. Code Ann.,

Fam. Law § 2-201 (West 2012)

No












Generic Cx Number



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


An owner-occupied



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


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


1702, 14-1703, 14-1704, & 14-1705

(West 2012)

12 CFR Pt. 1002, App. C; Form C-1


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


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


104.1 (West 2012); Md. Code Regs. 09.03.06.10(C)

(2012)Maryland

Mortgage Lender Law














http://www.dllr.state.md.us/finance/finregforms.shtml

http://www.dllr.state.md.us/finance/finregforms.shtml





Generic Cx Number




Closing

Truth-in-Lending Disclosure or


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)


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



MD Closing Attorneys Fee Certification


A lenderBoth

Any loan secured by a mortgage or deed of trust, but

excluding commercial loans


residence

At or prior to settlement

Md. Code Ann., Com. Law § 12-

120(b) (West 2012)No















Generic Cx Number




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



constructed


after application is completed and not less than 72 hours before the

time of settlement

Md. Code Regs. 09.03.10.03 (2012) Administrative


Good Faith Estimate 01-01-10 and HUD-1 01-01-

10

Cx14221 (Federal) &

Cx14222 (Federal)

A licensee under the Maryland Mortgage


Both

A mortgage loan


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


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)


http://www.co.ho.md.us/Departments.aspx?ID=1452









Generic Cx Number



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 (


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


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
















Generic Cx Number



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


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


913.2(c) & 12-1013.2(c) (West

2012)

No

ClosingMD Delivery of Net Proceeds Authorization


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


106(b)(2) (West 2012)

No














Generic Cx Number



ClosingMD Property Tax

Installment Direction


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






Massachusetts(Package Type)


Generic Cx Number


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



Not specified

Mass. Regs. Code tit. 209, §

40.04(1), (2), (3), (4), & (5) (2013)


Initial Disclosure

MA Addendum to Uniform


Cx3573


a licensee under Mass. Gen. Laws Ann. ch.

255E and Mass. Regs. Code tit. 209, § 42.00

Both



mortgage loan

A 1-to-4 family dwelling on residential property


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




consisting of 1-to-4 units,

regardless of whether it is

attached to real property


before the loan is closed


32.34(2)(b) (2013)

No


http://www.mass.gov/ocabr/business/banking-services/banking-legal-resources/laws-and-regs/dob-regulations/209-cmr-3200.html#thirtyfour

http://www.mass.gov/ocabr/business/banking-services/banking-legal-resources/laws-and-regs/dob-regulations/209-cmr-3200.html#thirtyfour

http://www.mass.gov/ocabr/business/banking-services/banking-legal-resources/laws-and-regs/dob-regulations/209-cmr-4200-the-licensing-of-mortgage.html#fifteen

http://www.malegislature.gov/Laws/GeneralLaws/PartII/TitleI/Chapter184/Section17B1~2

http://www.mass.gov/ocabr/business/banking-services/banking-legal-resources/laws-and-regs/dob-regulations/209-cmr-4000.html#four




Generic Cx Number



Initial DisclosureMA High Cost Loan Payment

DisclosureCx3746

Either: (1) a creditor; or (2) a lender,

including a financial institution

Both



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


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


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.


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)



42.12A(5) & 42.16 (2013)

Administrative


http://www.mass.gov/ocabr/business/banking-services/banking-legal-resources/laws-and-regs/dob-regulations/209-cmr-4200-the-licensing-of-mortgage.html#sixteen

http://www.mass.gov/ocabr/business/banking-services/banking-legal-resources/laws-and-regs/dob-regulations/209-cmr-4200-the-licensing-of-mortgage.html#twelvea

http://www.mass.gov/ocabr/business/banking-services/banking-legal-resources/laws-and-regs/dob-regulations/209-cmr-4900.html#six

http://www.malegislature.gov/Laws/GeneralLaws/PartII/TitleI/Chapter183/Section66

http://www.malegislature.gov/Laws/GeneralLaws/PartI/TitleXXII/Chapter176D/Section4

http://www.malegislature.gov/Laws/GeneralLaws/PartI/TitleXXII/Chapter175/Section193E



http://www.mass.gov/ocabr/business/banking-services/banking-legal-resources/laws-and-regs/dob-regulations/209-cmr-3200.html#thirtytwo



Generic Cx Number



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


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


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


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


17B½ (West 2012); Division of Banks Regulatory Bulletin 1.3-104

(2012)

No


http://www.mass.gov/ocabr/business/banking-services/banking-legal-resources/laws-and-regs/dob-regulatory-bulletins/banks-credit-unions-licensees/regulatory-bulletin-13-104-counseling-and.html

http://www.malegislature.gov/Laws/GeneralLaws/PartII/TitleI/Chapter184/Section17B1~2

http://www.lawlib.state.ma.us/source/mass/cmr/940cmr.html

http://www.mass.gov/ocabr/business/banking-services/banking-legal-resources/laws-and-regs/dob-regulations/209-cmr-5300.html#seven


http://www.mass.gov/ocabr/business/banking-services/banking-legal-resources/laws-and-regs/dob-regulations/209-cmr-5300.html#three

http://www.malegislature.gov/Laws/GeneralLaws/PartII/TitleI/Chapter183/Section28C



Generic Cx Number






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.


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


42.11A(4) (2013)No

Initial DisclosureMA High Cost

Home Loan Disclosure

Cx14937A creditor, other than

a brokerBoth



consisting of 1-to-4 units,

regardless of whether it is

attached to real property

Not specified


32.32(3)(a) through (e)

(2013)



http://www.mass.gov/ocabr/business/banking-services/banking-legal-resources/laws-and-regs/dob-regulations/209-cmr-3200.html

http://www.mass.gov/ocabr/business/banking-services/banking-legal-resources/laws-and-regs/dob-regulations/209-cmr-3200.html

http://www.mass.gov/ocabr/business/banking-services/banking-legal-resources/laws-and-regs/dob-regulations/209-cmr-4200-the-licensing-of-mortgage.html



Generic Cx Number



Initial Disclosure



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 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


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



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


8.06(17) (2013)No





http://www.malegislature.gov/Laws/GeneralLaws/PartI/TitleXV/Chapter93/Section62



Generic Cx Number



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


Various, but primarily a

dwelling, which is a residential

structure or mobile home


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


MA Certification and

Indemnification Agreement



1-to-5 family dwellings

occupied in whole or in part for residential

purposes


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



http://www.malegislature.gov/Laws/GeneralLaws/PartI/TitleXX/Chapter148/Section26F

http://www.malegislature.gov/Laws/GeneralLaws/PartI/TitleXX/Chapter148/Section26E



http://www.lawlib.state.ma.us/source/mass/cmr/200-299cmr.html


http://www.malegislature.gov/Laws/GeneralLaws/PartI/TitleXX/Chapter140D



Generic Cx Number





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



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



MA High Cost Loan Application Disclosure and HCL Notice on 1003 Uniform


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



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).


32.32(3)(f)(1) & 40.04(6)(a)

(2013)

Administrative




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


14A (West 2012)No


http://www.malegislature.gov/Laws/GeneralLaws/PartI/TitleXXII/Chapter167/Section14A





http://www.mass.gov/ocabr/business/banking-services/banking-legal-resources/laws-and-regs/dob-regulations/209-cmr-3200.html#thirtytwo






Generic Cx Number










loan, including a licensed mortgage loan originator under Mass.

Gen. Laws Ann. ch. 255F and Mass. Regs. Code tit. 209, § 41.00

Both






dwelling

On the application

Mass. Gen. Laws Ann ch. 255F, § 18 (West 2012);


41.12(2) (2013)




MA Insurance Disclosure


A bank that sells insurance products

Both

An extension of credit Not specified


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



http://www.malegislature.gov/Laws/GeneralLaws/PartI/TitleXXII/Chapter167F/Section2A




http://www.mass.gov/ocabr/business/banking-services/banking-legal-resources/laws-and-regs/dob-regulations/209-cmr-4100-the-licensing-of-mortgage-loan.html

http://www.malegislature.gov/Laws/GeneralLaws/PartIII/TitleIV/Chapter255F/Section18



Generic Cx Number



Closing

Mortgage originator

information on MA Mortgages

and the MA Assignment of

Mortgage

On Cx328 (


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


purchase

Premises, meaning

dwellings built before 1978

Prior to seller signing a

purchase and sale agreement.


197A (West 2012); Mass.

Regs. Code tit. 105, § 460.720

(2013)

Property Transfer Lead Paint

Notification


http://www.mass.gov/eohhs/gov/laws-regs/dph/regs-i-l/lead/property-transfer-lead-paint-notification.html




http://www.malegislature.gov/Laws/GeneralLaws/PartI/TitleXVI/Chapter111/Section197A




http://www.malegislature.gov/Laws/GeneralLaws/PartII/TitleI/Chapter183/Section6D



Generic Cx Number




A mortgagee, a mortgage lender, or a

mortgage brokerBoth

A mortgage transaction


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


Not specifiedBoth


A dwelling, building, or

structure used in whole or in part for residential

purposes

Upon sale or transfer of the

property


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



http://www.malegislature.gov/Laws/GeneralLaws/PartII/TitleI/Chapter183A/Section4


http://www.malegislature.gov/Laws/GeneralLaws/PartI/TitleXX/Chapter148/Section26F1~2




Michigan(Package Type)


Generic Cx Number




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


http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm?webListAction=search&searchstate=MI



http://www.legislature.mi.gov/(S(xewetx55m4rvzfqllamaqzjw))/mileg.aspx?page=getObject&objectName=mcl-445-1637






http://www.legislature.mi.gov/(S(xewetx55m4rvzfqllamaqzjw))/mileg.aspx?page=getObject&objectName=mcl-445-1602a



Generic Cx Number



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)





Application



loanBoth




residential real estate on which a

person has (or intends to) construct a

dwelling

On the application


493.171 (West 2012)


Licensing Act



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


565.221 (West 2012)

FNMA Form 3023

Closing

MI Principal Residence

Exemption (PRE) Affidavit

Cx995 Not specifiedBoth Not specified A principal

residence Not specified


211.7cc (West 2012)

The General Property Tax Act

Tax Form 2368


http://www.michigan.gov/taxes/0,1607,7-238-43535_43537-154841--,00.html

http://www.legislature.mi.gov/(S(xewetx55m4rvzfqllamaqzjw))/mileg.aspx?page=getObject&objectName=mcl-211-7cc











Generic Cx Number



Closing MI Property Transfer Affidavit Cx996

The buyer, grantee, or other transferee of the

propertyBoth


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


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


211.7cc(5) (West 2012)

The General Property Tax Act

Tax Form 2602

Closing

MI Addendum to Mortgage-

Homestead and Dower Waiver


Not specifiedBoth

A mortgage to secure the payment of

purchase money

Either: (1) land; or (2) a

homestead


or by closing

Mich. Comp. Laws Ann. §§

558.4 & 600.6023 (West

2012)Revised

Judicature Act of 1961

None


http://www.legislature.mi.gov/(S(qckkib55jgxjg12nuy3koh45))/mileg.aspx?page=getObject&objectName=mcl-600-6023

http://www.legislature.mi.gov/(S(qckkib55jgxjg12nuy3koh45))/mileg.aspx?page=getObject&objectName=mcl-558-4


http://www.legislature.mi.gov/(S(qckkib55jgxjg12nuy3koh45))/mileg.aspx?page=getObject&objectName=mcl-211-7cc


http://www.legislature.mi.gov/(S(xewetx55m4rvzfqllamaqzjw))/mileg.aspx?page=getObject&objectName=mcl-211-27a



Generic Cx Number



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


438.31b (West 2012)

12 CFR Pt. 1024, App. A




http://www.legislature.mi.gov/(S(qckkib55jgxjg12nuy3koh45))/mileg.aspx?page=getObject&objectName=mcl-438-31b


Minnesota(Package Type)


Generic Cx Number



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





Within 3 business days of accepting

an application.

Minn. Stat. Ann. § 58.15 (West

2012)Minnesota Residential Mortgage


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




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



Act

No


https://www.revisor.mn.gov/statutes/?id=58.16





Generic Cx Number





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


Benefit Worksheet


A residential mortgage originator or servicer (including a licensee under the Minnesota Residential Mortgage

Originator and Servicer Act), or an exempt

personBoth


which refinances a residential

mortgage loan




Not specified

Minn. Stat. Ann. § 58.13(1)(a)(25)

(West 2012)Minnesota Residential Mortgage


Act

No


MN Private Mortgage Insurance Disclosure

Cx2530 A servicerBoth


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





https://www.revisor.mn.gov/statutes/?id=72A.31





Generic Cx Number








On Cx4193 (

FNMA/FHLMC)


loanBoth



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


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


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















Generic Cx Number



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


mortgageReal estate

When transferring or

offering to transfer an

abstract of title.


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




Within 3 days before the

borrower signs the note

Minn. Stat. Ann. § 58.137(2)(b) (West 2012)Minnesota Residential Mortgage


Act

Statutory







Generic Cx Number



Closing MN Disclosure of Lenders


A residential mortgage originator (practically

applies only to brokers)Brokers





At the expiration of the originator

contract




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



A seller or the buyerBoth


purchase loan

Real property, excluding individual

condominium units

At the time of closing

Minn. Stat. Ann. § 103I.235 (West

2012)

Well Disclosure Certificate Form



http://www.health.state.mn.us/divs/eh/wells/disclosures/index.html

http://www.health.state.mn.us/divs/eh/wells/disclosures/index.html

https://www.revisor.mn.gov/statutes/?id=103I.235




Mississippi(Package Type)


Generic Cx Number





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






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)









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


12 CFR Pt. 1024, App. C



http://www.sos.ms.gov/education_and_publications_mscode.aspx

http://www.dbcf.state.ms.us/mmemo.asp







Generic Cx Number



Initial Disclosure MS Lock-in Agreement Cx16587









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


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


Prior to or at the time of the

execution of any application for

insurance

Miss. Admin. Code 19-1:23.11

(2012)No


http://www.sos.ms.gov/regulation_and_enforcement_admin_procedures3.aspx









Generic Cx Number




ClosingTILA Disclosures

Cx18, Cx1591, and other TILA Disclosures (all

Federal)









dwelling

Various times

Miss. Code Ann. § 81-18-33(g) (West 2012)Mississippi


12 CFR Pt. 1026, App. H



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






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


Loan Application










dwelling


closing

Miss. Code Ann. § 81-18-33(c) (West

2012)Mississippi


12 CFR Pt. 1024, App. A














Missouri(Package Type)


Generic Cx Number





Cx2778


credit and who solicits insurance

Both

A credit extension, including a residential mortgage

Real property, including



closing

Mo. Ann. Stat. § 375.937(3) (West

2012)Unfair Trade Practice Act

No



Cx2783A state financial

institutionBoth


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



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



No

Initial Disclosure MO Lock-in Agreement Cx16677 A lender

LendersA residential

mortgage loan




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



No


http://www.sos.mo.gov/adrules/csr/current/20csr/20csr.asp#20-1140

http://www.moga.mo.gov/statutes/C400-499/4430000867.HTM





Generic Cx Number



Adverse Action



Cx15858 (Federal)

A state financial institution

Both


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)









loanBoth





defined by TILA

On the application






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


2012)

Statutory




https://www.fanniemae.com/singlefamily/notes;jsessionid=7FC9ED20E0F8A92342A642B37F897C57.cportal-cl04










Generic Cx Number





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)




defined by TILA

When the servicing of a

residential mortgage is

transferred or sold





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


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


Not specifiedBoth An instrument Not specified


closing

Mo. Ann. Stat. § 442.210(4) (West

2012)No










Montana(Package Type)


Generic Cx Number



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)


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



Cx2778


credit and who solicits insurance on real

propertyBoth

A first-mortgage credit extension Real property


closing

Mont. Code Ann. § 33-18-501(3)

(West 2011)No


http://data.opi.mt.gov/Bills/mca/33/18/33-18-501.htm

http://banking.mt.gov/mortgage.mcpx



http://www.mtrules.org/gateway/ruleno.asp?RN=2.59.1737


Montana(Package Type)


Generic Cx Number



Initial DisclosureMT Mortgage

Loan Rate Lock Commitment

Cx14844

A licensed mortgage lender under the

Montana Mortgage ActBoth






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






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



http://www.dphhs.mt.gov/sltc/services/aging/legal/index.shtml











Nebraska(Package Type)


Generic Cx Number


Required



Cx2778


creditLenders

A loan of money, extension of

credit, or renewal of an extension of

credit


Neb. Rev. Stat. § 44-1526(1)

(West 2012)Unfair Insurance Trade Practices

Act

No

Initial DisclosureNE Loan Broker


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


A licensee under the Residential Mortgage

Licensing Act, who also acts as a real estate

broker or agentBoth


that is connected to the sale of

real estate



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






On Cx4193 (

FNMA/FHLMC)


Licensing ActBoth





a dwelling

On the application

Neb. Rev. Stat. § 45-736 (West

2012)Residential Mortgage

Licensing Act







http://nebraskalegislature.gov/laws/statutes.php?statute=45-736


http://nebraskalegislature.gov/laws/statutes.php?statute=76-239.01

http://nebraskalegislature.gov/laws/statutes.php?statute=45-191.01


Nebraska(Package Type)


Generic Cx Number


Required



Cx21 (Federal)


Licensing ActBoth





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


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









Nevada(Package Type)


Generic Cx Number


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



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


http://www.leg.state.nv.us/NRS/NRS-645E.html#NRS645ESec420

http://www.leg.state.nv.us/NRS/NRS-645B.html#NRS645BSec165

http://www.leg.state.nv.us/NRS/NRS-692A.html#NRS692ASec210



Generic Cx Number



Required

Initial Disclosure Anti-Coercion Insurance Disclosure Cx2788

Either: (1) a lender; or (2) a person

Both

Either: (1) a home loan, including a


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


http://www.leg.state.nv.us/NAC/NAC-645B.html#NAC645BSec210




http://www.leg.state.nv.us/NRS/NRS-598D.html#NRS598DSec100



Generic Cx Number



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


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




Nev. Rev. Stat. Ann. § 122A.200

(West 2011)No

Initial DisclosureNV Mortgage Broker

Compensation Disclosure

Cx14279


Chapter 645B of Nevada’s Revised

StatutesBrokers


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


http://mld.nv.gov/Forms.htm



http://mld.nv.gov/LettersNotices.htm




http://mld.nv.gov/Forms.htm#General



http://www.leg.state.nv.us/Register/indexes/2004_NAC_REGISTER_NUMERICAL.htm

http://www.leg.state.nv.us/NAC/NAC-645E.html#NAC645ESec290

http://www.leg.state.nv.us/NAC/NAC-645B.html#NAC645BSec235



Generic Cx Number



Required



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)




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)


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













Generic Cx Number



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







New Hampshire(Package Type)


Generic Cx Number



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



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


Both Not specified Not specified Not specifiedN.H. Rev. Stat. Ann. § 457:1-a

(2013)No

Initial DisclosureNH Disclosure of

Payment Application


A licensee under Chapter 397 of New Hampshire’s Revised

StatutesBoth

A mortgage loan




At the time the loan application is

taken

N.H. Rev. Stat. Ann. § 397-

A:14(III) (2013)No


http://www.gencourt.state.nh.us/rsa/html/NHTOC/NHTOC-XXXV-397-A.htm

http://www.gencourt.state.nh.us/rsa/html/NHTOC/NHTOC-XXXV-397-A.htm

http://www.gencourt.state.nh.us/rsa/html/XLIII/457/457-1-a.htm


http://www.gencourt.state.nh.us/rsa/html/XXXV/397-A/397-A-16.htm


http://www.gencourt.state.nh.us/rsa/html/XXXVII/417/417-4.htm

New Hampshire(Package Type)


Generic Cx Number



Required

Adverse Action

Statement of Credit, Denial, Termination or

Change

Cx15858 (Federal)

A user of a consumer reportBoth



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






On Cx4193 (

FNMA/FHLMC)

A licensee under Chapter 397 of New Hampshire’s Revised

StatutesBoth





On the application

N.H. Rev. Stat. Ann. § 397-A:6(I)

(2013)


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)





http://www.gencourt.state.nh.us/rsa/html/XXXVI/399-B/399-B-2-a.htm

http://www.gencourt.state.nh.us/rsa/html/XXXVI/399-B/399-B-2.htm






http://www.gencourt.state.nh.us/rsa/html/XXXI/359-B/359-B-15.htm


New Jersey(Package Type)


Generic Cx Number



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



Cx2783 A lender or a brokerBoth




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


loan

A 1-to-6 family dwelling which is

(or will be) occupied by a borrower as a

principal dwelling


prior to consummation.

N.J. Stat. Ann. § 46:10B-26(f) (West 2013)

New Jersey Home Ownership

Security Act of 2002

Statutory


http://lis.njleg.state.nj.us/cgi-bin/om_isapi.dll?clientID=297496&Depth=2&depth=2&expandheadings=on&headingswithhits=on&hitsperheading=on&infobase=statutes.nfo&record=%7B13E12%7D&softpage=Doc_Frame_PG42

http://lis.njleg.state.nj.us/cgi-bin/om_isapi.dll?clientID=297501&Depth=2&depth=2&expandheadings=on&headingswithhits=on&hitsperheading=on&infobase=statutes.nfo&record=%7B5A75%7D&softpage=Doc_Frame_PG42

http://www.state.nj.us/oal/rules.html




Generic Cx Number



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


N.J. Dept. of Bank. and Ins., Bulletin

07-12

Initial Disclosure NJ Rate Lock – In Agreement Cx4480 A lender

Both




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


http://lis.njleg.state.nj.us/cgi-bin/om_isapi.dll?clientID=297460&Depth=2&depth=2&expandheadings=on&headingswithhits=on&hitsperheading=on&infobase=statutes.nfo&record=%7BE383%7D&softpage=Doc_Frame_PG42

http://lis.njleg.state.nj.us/cgi-bin/om_isapi.dll?clientID=297460&Depth=2&depth=2&expandheadings=on&headingswithhits=on&hitsperheading=on&infobase=statutes.nfo&record=%7BE383%7D&softpage=Doc_Frame_PG42


http://lis.njleg.state.nj.us/cgi-bin/om_isapi.dll?clientID=297479&Depth=2&depth=2&expandheadings=on&headingswithhits=on&hitsperheading=on&infobase=statutes.nfo&record=%7B13DD8%7D&softpage=Doc_Frame_PG42




http://www.state.nj.us/dobi/bulletin07.html





http://lis.njleg.state.nj.us/cgi-bin/om_isapi.dll?clientID=297479&Depth=2&depth=2&expandheadings=on&headingswithhits=on&hitsperheading=on&infobase=statutes.nfo&record=%7B13DD8%7D&softpage=Doc_Frame_PG42



Generic Cx Number






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




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






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 dwelling (as defined in section 103[v] of TILA) or



dwelling

On the application

N.J. Stat. Ann. § 17:11C-72 (West

2013)New Jersey Residential Mortgage

Lending Act


Loan Application





http://lis.njleg.state.nj.us/cgi-bin/om_isapi.dll?clientID=297501&Depth=2&depth=2&expandheadings=on&headingswithhits=on&hitsperheading=on&infobase=statutes.nfo&record=%7B5A75%7D&softpage=Doc_Frame_PG42

http://www.state.nj.us/dobi/bulletin10.html





http://lis.njleg.state.nj.us/cgi-bin/om_isapi.dll?clientID=204500&Depth=2&depth=2&expandheadings=on&headingswithhits=on&hitsperheading=on&infobase=statutes.nfo&record=%7BE3E3%7D&softpage=Doc_Frame_PG42



Generic Cx Number



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


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



http://lis.njleg.state.nj.us/cgi-bin/om_isapi.dll?clientID=297449&Depth=2&depth=2&expandheadings=on&headingswithhits=on&hitsperheading=on&infobase=statutes.nfo&record=%7B18C00%7D&softpage=Doc_Frame_PG42

http://www.state.nj.us/dca/divisions/dlgs/programs/tax_collector.html






http://lis.njleg.state.nj.us/cgi-bin/om_isapi.dll?clientID=297524&Depth=2&depth=2&expandheadings=on&headingswithhits=on&hitsperheading=on&infobase=statutes.nfo&record=%7B17423%7D&softpage=Doc_Frame_PG42


http://lis.njleg.state.nj.us/cgi-bin/om_isapi.dll?clientID=297524&Depth=2&depth=2&expandheadings=on&headingswithhits=on&hitsperheading=on&infobase=statutes.nfo&record=%7B1722E%7D&softpage=Doc_Frame_PG42

http://lis.njleg.state.nj.us/cgi-bin/om_isapi.dll?clientID=297524&Depth=2&depth=2&expandheadings=on&headingswithhits=on&hitsperheading=on&infobase=statutes.nfo&record=%7B1722E%7D&softpage=Doc_Frame_PG42



New Mexico(Package Type)


Generic Cx Number



Initial Disclosure

Mortgage Loan Company

Compensation on Initial Truth-in-

Lending Disclosure and


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


(2) a residential mortgage loan



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


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


Real estate upon which there is (or will be) located a

1-to-4 family, borrower-occupied structure



N.M. Stat. Ann. § 58-21A-5(e) (West 2012)Home Loan

Protection Act

Statutory



Cx2783

A licensee under the Mortgage Loan

Company Act (N.M. Stat. Ann. §§ 58-21-1


A mortgage loan



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


http://www.nmcpr.state.nm.us/nmac/parts/title12/12.019.0008.htm


http://www.nmonesource.com/nmnxtadmin/NMPublic.aspx





http://www.nmonesource.com/nmpublic/gateway.dll/?f=templates&fn=default.htm





Generic Cx Number



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


Benefit Worksheet


A creditorBoth


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




N.M. Stat. Ann. § 40-1-4 (West 2012); N.M. Attn’y Gen.

Opinion No. 11-01

No


http://public-records.nmag.gov/opinions

http://public-records.nmag.gov/opinions










Generic Cx Number



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



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


Mortgage Loan Summary on Good Faith

Estimate 01-01-10 and Initial Truth-

In-Lending Disclosure


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


(2) a residential mortgage loan




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


Licensing Act

12 CFR Pt. 1024, App. C & Pt. 1026,

App. H











http://www.rld.state.nm.us/financialinstitutions/Mortgage_Industry_Forms.aspx




http://www.nmonesource.com/NMPublic/gateway.dll/?f=templates&fn=default.htm



Generic Cx Number








On Cx4193 (

FNMA/FHLMC)


loanBoth


A 1-ot-4 unit dwelling or



On the application

N.M. Stat. Ann. § 58-21B-24 (West

2012)New Mexico


Licensing Act


Loan Application








New York(Package Type)


Generic Cx Number



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


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


organizationLenders

A mortgage loan




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


http://www.dos.ny.gov/info/nycrr.html


http://public.leginfo.state.ny.us/LAWSSEAF.cgi?QUERYTYPE=LAWS+&QUERYDATA=$$BNK595-A$$@TXBNK0595-A+&LIST=LAW+&BROWSER=BROWSER+&TOKEN=22806396+&TARGET=VIEW



Generic Cx Number



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, §


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




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


organizationBoth

A mortgage loan, used to purchase a dwelling or in

which a commitment fee or paints are paid

to the lender




At the time of commitment and

prior to the acceptance of a commitment fee

or points.


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




At or prior to taking an

application


41.4(a) (2013)Banking Law

Administrative



http://www.dfs.ny.gov/banking/mbforms.htm









http://public.leginfo.state.ny.us/LAWSSEAF.cgi?QUERYTYPE=LAWS+&QUERYDATA=$$BNK9-O$$@TXBNK09-O+&LIST=LAW+&BROWSER=BROWSER+&TOKEN=22806396+&TARGET=VIEW



Generic Cx Number



Initial DisclosureNY High Cost Loan


Cx3673

A broker or a lender, who is either licensed under Article 12-D of the Banking Law or who is an exempt

organizationBoth





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


Real estate improved by a 1-

to-4 family, borrower-occupied structure


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


consisting of real property



Prior to acceptance of a

commitment fee, points, or other

discounts



New York Prevailing Interest Rate Commitment







http://public.leginfo.state.ny.us/LAWSSEAF.cgi?QUERYTYPE=LAWS+&QUERYDATA=$$BNK6-L$$@TXBNK06-L+&LIST=LAW+&BROWSER=BROWSER+&TOKEN=22806396+&TARGET=VIEW




Generic Cx Number



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-


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






Generic Cx Number



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





Prior to taking any points or a

lock-in fee



New York Lock-In Agreement

Initial Disclosure

NY Pre-Application

Disclosure for Licensed Bankers

Cx5100



exempt organization, either of whom are

acting in a brokerage capacityLenders

A mortgage loan





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













Generic Cx Number



Initial Disclosure NY Application Disclosure Cx9710



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





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


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



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


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.



Administrative








Generic Cx Number






N.Y. Dom. Rel. Law § 10-a

(McKinney 2013)Domestic

Relations Law

No


Cx14221 (Federal)


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



dwelling

At the time of application.

N.Y. Banking Law § 6-m(2)(j)


Statutory

Initial Disclosure

NY FHA Mortgage Loan

Correspondent Disclosure

Cx14650A FHA mortgage loan

correspondentBoth

A mortgage loan




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


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




Not specified

N.Y. Comp. Codes R. & Regs. tit. 3, § 38.7(a)(11) (2013)

Banking Law

No




http://public.leginfo.state.ny.us/LAWSSEAF.cgi?QUERYTYPE=LAWS+&QUERYDATA=$$BNK6-M$$@TXBNK06-M+&LIST=LAW+&BROWSER=BROWSER+&TOKEN=22806396+&TARGET=VIEW

http://www.gpo.gov/fdsys/browse/collectionCfr.action;jsessionid=D2cPRGmKfvcYRRJ1Hntm03dQd16WkwhYBM5LkshS71y7tpvFnwLf!1124198689!1363022239?collectionCode=CFR&searchPath=Title+12%2FChapter+X%2FPart+1024&oldPath=Title+12%2FChapter+X%2FPart+1026&isCollapsed=true&selectedYearFrom=2012&ycord=1115

http://public.leginfo.state.ny.us/LAWSSEAF.cgi?QUERYTYPE=LAWS+&QUERYDATA=$$BNK590-B$$@TXBNK0590-B+&LIST=LAW+&BROWSER=BROWSER+&TOKEN=22806396+&TARGET=VIEW

http://public.leginfo.state.ny.us/LAWSSEAF.cgi?QUERYTYPE=LAWS+&QUERYDATA=$$DOM10-A$$@TXDOM010-A+&LIST=LAW+&BROWSER=EXPLORER+&TOKEN=03800755+&TARGET=VIEW



Generic Cx Number



Initial Disclosure


Benefit Worksheet


A lender, who is either a licensed mortgage banker under Article 12-D of the Banking Law or an exempt

organizationBoth


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




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




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




At loan approval


38.4(b) (2013)Banking Law

No







Generic Cx Number



Adverse Action


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


(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



Copy of Appraisal Report Notice Cx6 (Federal) A lender

Both

A loan or forbearance

secured primarily by an interest in

real property


N.Y. Real Prop. Law § 254-C(1)

(McKinney 2012)Real Property

Law



Various TILA Disclosures


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






http://public.leginfo.state.ny.us/LAWSSEAF.cgi?QUERYTYPE=LAWS+&QUERYDATA=$$RPP254-C$$@TXRPP0254-C+&LIST=LAW+&BROWSER=BROWSER+&TOKEN=40989839+&TARGET=VIEW


http://public.leginfo.state.ny.us/LAWSSEAF.cgi?QUERYTYPE=LAWS+&QUERYDATA=$$EXC296-A$$@TXEXC0296-A+&LIST=LAW+&BROWSER=BROWSER+&TOKEN=22806396+&TARGET=VIEW

http://public.leginfo.state.ny.us/LAWSSEAF.cgi?QUERYTYPE=LAWS+&QUERYDATA=$$BNK6-D$$@TXBNK06-D+&LIST=LAW+&BROWSER=BROWSER+&TOKEN=22806396+&TARGET=VIEW



Generic Cx Number




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


Before a person requests a

consumer report.

N.Y. Gen. Bus. Law § 380-b

(McKinney 2012)Fair Credit

Reporting Act

No








loanBoth


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



Loan Application


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 (


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, §


Statutory

FNMA Instructions to Form 3033








http://www.gpo.gov/fdsys/browse/collectionCfr.action?collectionCode=CFR&searchPath=Title+16%2FChapter+I%2FSubchapter+F%2FPart+698&oldPath=Title+16%2FChapter+I%2FSubchapter+F&isCollapsed=true&selectedYearFrom=2012&ycord=1200


http://public.leginfo.state.ny.us/LAWSSEAF.cgi?QUERYTYPE=LAWS+&QUERYDATA=$$BNK6-D$$@TXBNK06-D+&LIST=LAW+&BROWSER=BROWSER+&TOKEN=22806396+&TARGET=VIEW




http://public.leginfo.state.ny.us/LAWSSEAF.cgi?QUERYTYPE=LAWS+&QUERYDATA=$$BNK599-P$$@TXBNK0599-P+&LIST=LAW+&BROWSER=BROWSER+&TOKEN=22806396+&TARGET=VIEW

http://public.leginfo.state.ny.us/LAWSSEAF.cgi?QUERYTYPE=LAWS+&QUERYDATA=$$GBS380-B$$@TXGBS0380-B+&LIST=LAW+&BROWSER=BROWSER+&TOKEN=40989839+&TARGET=VIEW



Generic Cx Number



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



improved by a 1-to-4 family

On the note

N.Y. Banking Law § 590-A(2)


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


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


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


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


http://www.tax.ny.gov/forms/orpts/orpts_other_forms.htm



http://public.leginfo.state.ny.us/LAWSSEAF.cgi?QUERYTYPE=LAWS+&QUERYDATA=$$RPT954$$@TXRPT0954+&LIST=LAW+&BROWSER=BROWSER+&TOKEN=28317744+&TARGET=VIEW




http://public.leginfo.state.ny.us/LAWSSEAF.cgi?QUERYTYPE=LAWS+&QUERYDATA=$$RPT953$$@TXRPT0953+&LIST=LAW+&BROWSER=BROWSER+&TOKEN=28317744+&TARGET=VIEW

https://www.efanniemae.com/sf/formsdocs/documents/specialpurpose/pdf/3172.pdf



https://www.fanniemae.com/singlefamily/originating-underwriting

https://www.fanniemae.com/singlefamily/originating-underwriting

http://public.leginfo.state.ny.us/LAWSSEAF.cgi?QUERYTYPE=LAWS+&QUERYDATA=@SLTAX0A11+&LIST=LAW+&BROWSER=BROWSER+&TOKEN=40989839+&TARGET=VIEW

http://public.leginfo.state.ny.us/LAWSSEAF.cgi?QUERYTYPE=LAWS+&QUERYDATA=$$EXC378$$@TXEXC0378+&LIST=LAW+&BROWSER=BROWSER+&TOKEN=40989839+&TARGET=VIEW

http://public.leginfo.state.ny.us/LAWSSEAF.cgi?QUERYTYPE=LAWS+&QUERYDATA=$$BNK590-A$$@TXBNK0590-A+&LIST=LAW+&BROWSER=BROWSER+&TOKEN=40989839+&TARGET=VIEW



Generic Cx Number



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


residence

At the time of the establishment of the real property insurance escrow

account.

N.Y. Banking Law § 6-k(2)(f)


Statutory



North Carolina

(Package Type)


Generic Cx Number



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


http://www.nccob.gov/public/FinancialInstitutions/Mortgage/MortgageForms.aspx



http://www.ncleg.net/gascripts/statutes/statutelookup.pl?statute=24-1.1A

http://public.leginfo.state.ny.us/LAWSSEAF.cgi?QUERYTYPE=LAWS+&QUERYDATA=$$BNK6-K$$@TXBNK06-K+&LIST=LAW+&BROWSER=BROWSER+&TOKEN=28317744+&TARGET=VIEW

http://public.leginfo.state.ny.us/LAWSSEAF.cgi?QUERYTYPE=LAWS+&QUERYDATA=$$GOB15-702$$@TXGOB015-702+&LIST=LAW+&BROWSER=BROWSER+&TOKEN=28317744+&TARGET=VIEW

North Carolina

(Package Type)


Generic Cx Number




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


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


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



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.)


No


http://www.ncleg.net/gascripts/statutes/statutelookup.pl?statute=53-244.111


http://www.ncleg.net/gascripts/statutes/statutelookup.pl?statute=24-1.1E

http://www.ncleg.net/gascripts/statutes/statutelookup.pl?statute=24-1.1E

http://www.ncleg.net/gascripts/statutes/statutelookup.pl?statute=58-57-65

http://www.ncleg.net/gascripts/statutes/statutelookup.pl?statute=75-18


North Carolina

(Package Type)


Generic Cx Number




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




Application

On Cx4193 (

FNMA/FHLMC)

A mortgage loan originator or other

person engaged in the mortgage business

Both





a dwelling

On the application


244.107 (West 2012)





Loan Application

Initial Disclosure & Processing

NC Fee Information From Your Mortgage

Broker


A mortgage brokerBrokers





a dwelling

In a timely manner


244.109(5) (West 2012)




Model Mortgage Broker Disclosure

Form














North Carolina

(Package Type)


Generic Cx Number



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



North Dakota(Package Type)


Generic Cx Number



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


http://www.legis.nd.gov/cencode/t35.html


North Dakota(Package Type)


Generic Cx Number



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)


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



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






On Cx4193 (

FNMA/FHLMC)


loanBoth


A dwelling (as defined as



which is (or is intended to be) a

dwelling

On the application

N.D. Cent. Code Ann. § 13-10-21

(West 2012)


Loan Application







http://www.legis.nd.gov/cencode/t13.html

http://www.legis.nd.gov/cencode/t26-1.html

http://www.legis.nd.gov/agency-rules/north-dakota-administrative-code





Ohio(Package Type)


Generic Cx Number



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




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



Section 103 of TILA) or



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


2012)No


http://codes.ohio.gov/orc/1349.11

http://www.com.ohio.gov/fiin/forms.aspx



http://codes.ohio.gov/oac/1301%3A8-7-15










Ohio(Package Type)


Generic Cx Number



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)


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


(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





dwelling


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


A licensee or a registrant under


(aka the Mortgage Broker Act)

Both






dwelling


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

















Ohio(Package Type)


Generic Cx Number



Initial Disclosure OH Escrow Account Disclosure Cx11205




Brokers






dwelling

Not earlier than 3 business days nor

later than 24 hours before

closing


2012)Mortgage Broker Act

Escrow of Taxes & Regular Monthly

Payment

Initial DisclosureOH Business Relationship

Disclosure NoticeCx12271



(aka the Mortgage Broker Act), including

people who are required to be

registered or licensedBoth






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)




Both






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


Notice of Change in Mortgage

Terms
















Ohio(Package Type)


Generic Cx Number



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


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






dwelling

Prior to furnishing or

placing insurance

Ohio Admin. Code 1301:8-3-17(D)

(2012)Second Mortgage

Loan Act

No








Ohio(Package Type)


Generic Cx Number



Initial Disclosure Ohio Insurance Notice to Applicant

Cx13606 (upon

request)









dwelling

At the time the loan is made

Ohio Admin. Code 1301:8-3-17(B)


Loan Act

No


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


OH Acknowledgement of Receipt of Home

Mortgage Loan Informational

Document

Cx12447



Both




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


http://www.ohioattorneygeneral.gov/Files/Forms/Forms-for-Business-and-Nonprofit/Required-Mortgage-Loan-Disclosure-Forms













Ohio(Package Type)


Generic Cx Number



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






dwelling

At the time the indebtedness is

incurred

Ohio Rev. Code Ann. § 1322.07(H) (West


No

Closing OH Closing Disclosure Cx11267



Both

A consumer transaction

connected with a residential mortgage



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









dwelling

With the loan documents

Ohio Admin. Code 1301:8-3-07(H)


Loan Act

No











Ohio(Package Type)


Generic Cx Number



Closing OH ARM Disclosure Cx13537









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)


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




http://codes.ohio.gov/oac/3901-1-14






Oklahoma(Package Type)


Generic Cx Number





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


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


Statutory

Initial DisclosureOK Subsection 10



A Subsection 10 mortgage




Okla. Stat. Ann. tit. 14A, § 3-

309.4(1) (West 2012)


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


Okla. Stat. Ann. tit. 46, § 20 (West

2012)No


http://www.oklegislature.gov/osstatuestitle.html








Generic Cx Number



Initial Disclosure


and other Initial RESPA Disclosures

Cx14221 and other RESPA

Disclosures (all Federal)

A mortgage broker or mortgage loan

originatorBoth






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



Benefit Worksheet


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


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)


Code - Loans

No









Generic Cx Number




Closing

All TILA Disclosures


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)


Code - Loans

12 CFR Pt. 1026, App. G & H






On Cx4193 (

FNMA/FHLMC)

A licensed mortgage broker or mortgage

loan originator under the Oklahoma Secure and Fair Enforcement

for Mortgage Licensing Act

Both






On the application

Okla. Stat. Ann. tit. 59, § 2095.4

(West 2012)Oklahoma Secure




Loan Application












Oregon(Package Type)


Generic Cx Number

License TypeLender/Broker/Both Loan Type Property Timing


Initial DisclosureServicing


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



Cx2778A depository

institutionBoth

A loan of money or extension of

creditProperty Not specified

Or. Rev. Stat. Ann. § 746.215

(West 2012)No



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


http://arcweb.sos.state.or.us/pages/rules/oars_400/oar_441/441_875.html

http://www.leg.state.or.us/ors/746.html



http://www.gpo.gov/fdsys/browse/collectionCfr.action;jsessionid=2KBPQ56Q0kJ1X26bJVyhnJ9Q91Wv2QbSyL1T1yQbR6hMCn3g2qMh!63155563!700375164?collectionCode=CFR&searchPath=Title+12%2FChapter+X%2FPart+1024&oldPath=Title+12%2FChapter+X%2FPart+1026&isCollapsed=true&selectedYearFrom=2012&ycord=1200




Generic Cx Number



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



practically with the application


(West 2012)Oregon Family

Fairness Act

No

Initial DisclosureOR Conflict of

Interest Disclosure


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


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


http://www.cbs.state.or.us/external/dfcs/ml/mortgage_disclosures_translations.html

http://www.leg.state.or.us/ors/086a.html





http://www.cbs.state.or.us/external/dfcs/forms.html#mortgage










Generic Cx Number









A licensed mortgage loan originator under Chapter 86A, Title 9 of

Oregon’s Revised Statutes

Both


Property upon which is a 1-to-4


On the application

Or. Rev. Stat. Ann. § 86A.239

(West 2012)


Loan Application


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


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


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


(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




















Generic Cx Number




A licensee under the Oregon Consumer

Finance ActBoth


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


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)








Pennsylvania(Package Type)


Generic Cx Number





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




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




7 Pa. Cons. Stat. Ann. § 6121(10)


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)



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


http://www.portal.state.pa.us/portal/server.pt/community/licensees/18274/mortgage_lenders_2_9/621975



http://www.pacode.com/secure/data/010/chapter46/chap46toc.html

http://www.legis.state.pa.us/WU01/LI/LI/CT/HTM/07/07.HTM




Generic Cx Number



Initial Disclosure PA Lock-In Agreement


A licensee under the Mortgage Licensing Act

LendersA mortgage loan



Not specified

7 Pa. Cons. Stat. Ann. §§ 6102,

6121(11) & 6123(7) (West

2013)Mortgage

Licensing Act

No



A mortgage lenderLenders A mortgage loan



When the consumer elects to obtain certain

insurances

7 Pa. Cons. Stat. Ann. § 6122(a)(3)

(West 2013)Mortgage

Licensing Act

No


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


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


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


Not later than the time of closing.

63 Pa. Stat. Ann. § 456.512(f)(2)



Property Insurance

Consent on Truth-in-Lending Disclosure

On Cx1591 (Federal)

Mortgage lendersBoth A mortgage loan



Not specified

7 Pa. Cons. Stat. Ann. § 6122(a)(4)

(West 2012)Mortgage

Licensing Act

12 CFR Pt. 1026, App. H







http://www.legis.state.pa.us/WU01/LI/LI/CT/HTM/07/00.061.022.000..HTM






Generic Cx Number








On Cx4193 (

FNMA/FHLMC)

A mortgage originatorBoth A mortgage loan



On the application

7 Pa. Cons. Stat. Ann. § 6121(14)

(2012)Mortgage

Licensing Act


Loan Application

Closing HELOC Agreement – PA Cx1349

An institution (i.e. a bank or a bank and

trust company)Both


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








Rhode Island(Package Type)


Generic Cx Number



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


after the application

R.I. Gen. Laws § 34-23-6 (West

2012)Statutory


http://webserver.rilin.state.ri.us/Statutes/TITLE34/34-23/34-23-6.HTM



Generic Cx Number




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


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


Cx5103 A financial institutionBoth

A loan secured by an interest in real

estateReal estate At application


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


http://www.dbr.state.ri.us/rules/banking/




http://webserver.rilin.state.ri.us/Statutes/TITLE34/34-25.2/INDEX.HTM








http://webserver.rilin.state.ri.us/Statutes/TITLE27/27-5/27-5-3.2.HTM



Generic Cx Number



Initial Disclosure RI Tangible Net Benefit Cx11242 A creditor

Both


a previous (home) loan which was

consummated within the prior

60 months



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



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)


Protection Act

AdministrativeForm 2 – Prohibited Acts and Practices

Disclosure Regarding High-

Cost Home Loans

Initial DisclosureRI Home Loan Protection Act

DisclosureCx12089 A creditor


loan



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)


Protection Act

AdministrativeForm 5 – Consumer Caution and Home

Ownership Counseling Notice and Certification

























Generic Cx Number



Initial Disclosure RI Form 4 HLPA Cx12090 A creditorBoth




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)


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


2012)No




R.I. Gen. Laws Ann. § 15-3.1-6

(West 2012); R.I. Gov. Exec. Order

12-02

No

Adverse Action



Cx15858 (Federal)

A user of a credit reportBoth




R.I. Gen. Laws Ann. § 6-13.1-

21(b)Unfair Trade Practice and

Consumer Protection Act




http://webserver.rilin.state.ri.us/Statutes/TITLE6/6-13.1/6-13.1-21.HTM


http://www.governor.ri.gov/newsroom/executiveorders/












Generic Cx Number






Application


A person originating a residential mortgage

loanBoth



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


2009


Loan Application


RI Appraisal Fee Disclosure and Addendum to Statement of Credit Denial,


Cx5102 & Cx15905

A lending institutionBoth A mortgage loan Real estate Prior to receiving

an appraisal fee.


2012)No

Closing

Homestead Waiver on all RI

Mortgages and RI Waiver of

Homestead

On Cx348 (


Cx506, Cx2465, and Cx15329

(upon request)

Not specifiedBoth


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













South Carolina

(Package Type)


Generic Cx Number

License TypeLender/Broker/Both Loan Type Property Timing Requirement Legal Reference Specific Language

Required



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


S.C. Code Ann. § 38-57-110 (2012)

The Insurance Law

No


http://www.scstatehouse.gov/code/t38c057.php

South Carolina

(Package Type)


Generic Cx Number


Required

Initial DisclosureSC Tangible

Benefit Worksheet


Not specifiedBoth

A consumer home loan that

refinances within 42 months an

existing consumer home

loan


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



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


http://www.consumer.sc.gov/business/licensing_registration/MortgageBroker/Pages/MORTGAGEBROKERFORMS.aspx




http://www.scconsumer.gov/licensing/mortgage_brokers/forms.htm

http://www.scstatehouse.gov/coderegs/c028.php











South Carolina

(Package Type)


Generic Cx Number


Required

Initial Disclosure SC Borrower Complaints Cx4694

A mortgage broker or originator

Both

A mortgage loan, including a

consumer home loan


structure that is the borrower’s

principal dwelling


S.C. Code Ann. § 37-23-70(D)

(2012)South Carolina High-Cost and

Consumer Home Loans Act

Fee Agreement Sample





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


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





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



obligation.

S.C. Code § 37-3-303 (2012)

South Carolina Consumer

Protection Code - Loans

Statutory

















South Dakota(Package Type)


Generic Cx Number





Cx2778 Any personBoth

A loan of money upon the security of any property

or the renewal or extension of any loan or mortgage


S.D. Codified Laws § 58-33-31

(2012)The Insurance

Code

No



http://legis.state.sd.us/statutes/DisplayStatute.aspx?Type=Statute&Statute=58-33-31


Tennessee(Package Type)


Generic Cx Number





Cx2783

A licensee under the Tennessee Residential

Lending, Brokerage and Servicing Act

Both




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



Cx2788A person or a

depository institutionLenders


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




Generic Cx Number



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



A 1-to-4 family structure that is

or will be occupied by the borrower as his

principal dwelling



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


loan



principal dwelling

Not later than the time that the GFE is required to be

given.

Tenn. Code Ann. § 45-20-103(21)


Act

No

Initial Disclosure TN Lock-In Agreement Cx14675 A mortgage lender

BothA residential

mortgage loan




dwelling


a lock-in fee is charged

Tenn. Comp. R. & Regs. 0180-17-.04

(2012)Tennessee Residential

Lending, Brokerage, and

Servicing Act

No


http://www.tn.gov/sos/rules/0180/0180.htm



Generic Cx Number



Initial Disclosure


Benefit Worksheet


A lenderBoth

A high-cost home loan that

refinances, within 30 months, an existing home

loan or high-cost home loan



principal dwelling

Not specified

Tenn. Code Ann. § 45-20-103(4)


Act

No

Initial Disclosure TN Commitment Letter Cx15810 A lender or creditor

Both



Tenn. Code Ann. § 29-2-101(b) (West 2012)

No






On Cx4193 (

FNMA/FHLMC)

A sponsoring mortgage lender or mortgage

loan brokerBoth





dwelling

On the application

Tenn. Code Ann. § 45-13-303(d)

(West 2012)Tennessee Residential

Lending, Brokerage and Servicing Act


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




principal dwelling

At closing

Tenn. Code Ann. § 45-20-103(19)


Act

Statutory










Generic Cx Number





Cx21 (Federal)A transferor of servicing rights

Both





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



Texas(Package Type)


Generic Cx Number





Cx2778A depository

institutionLenders


creditProperty Not specified

Tex. Ins. Code Ann. § 556.051

(West 2012)No


http://www.statutes.legis.state.tx.us/


http://www.tn.gov/sos/rules/0180/0180.htm

Texas(Package Type)


Generic Cx Number





Cx2783


originatorBoth


A dwelling (as defined by



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


Registration Act

No

Initial DisclosureTX Mortgage

Banker Disclosure

Cx2999

A mortgage banker that is a residential

loan originatorLenders






constructed

At application

Tex. Fin. Code Ann. §

157.007(a) (West 2012); 7

Tex. Admin. Code §

81.200(a) (2012)Mortgage

Banker Registration and


Originator License Act

Statutory/Administrative/Mortgage Banker - Required

Disclosure Form


http://www.sml.texas.gov/ResidentialMortgageLoanOriginator/rmlo_mb_forms.html



http://info.sos.state.tx.us/pls/pub/readtac$ext.TacPage?sl=R&app=9&p_dir=&p_rloc=&p_tloc=&p_ploc=&pg=1&p_tac=&ti=7&pt=4&ch=81&rl=200



Texas(Package Type)


Generic Cx Number



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


Originator Licensing and Registration Act,

who also acts as either a real estate

broker, salesperson, or attorney

Both






constructed

Before acting in a dual capacity

Tex. Fin. Code § 156.303(a)(13)

(West 2012)Mortgage Loan Company 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


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


http://www.occc.state.tx.us/pages/Legal/Laws/reg/rule_apps/App139.pdf




Texas(Package Type)


Generic Cx Number



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




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






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



Registration Act

Mortgage Company - Required Disclosure Form








http://www.occc.state.tx.us/pages/Legal/disclosures/discs.htm

http://www.occc.state.tx.us/pages/Legal/disclosures/discs.htm


http://www.constitution.legis.state.tx.us/

Texas(Package Type)


Generic Cx Number



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


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



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. Admin. Code §

90.105(b)(5) (2012)

Administrative








Texas(Package Type)


Generic Cx Number



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,


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. 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)



mortgage bankerBoth






constructed


when an application is approved on the basis of

credit worthiness but

not on collateral


Tex. Admin. Code §

81.201(b) (2012)




Registration Act

Mortgage Banker - Conditional Approval Letter [Form B]






http://www.gpo.gov/fdsys/browse/collectionCfr.action?collectionCode=CFR&searchPath=Title+12%2FChapter+X%2FPart+1016%2FSubpart+A&oldPath=Title+12%2FChapter+X%2FPart+1016&isCollapsed=true&selectedYearFrom=2012&ycord=1120





Texas(Package Type)


Generic Cx Number



Initial Disclosure

TX Mortgage Company

Conditional Approval Letter

(Form B)




Both






constructed


when an application is approved on the basis of

credit worthiness but

not on collateral


Tex. Admin. Code §

80.201(b) (2012)




Registration Act

Mortgage Company - Conditional Approval Letter [Form B]

Initial Disclosure

TX Mortgage Banker

Conditional Qualification

Letter (Form A)



mortgage bankerBoth






constructed


when a conditional

qualification is established


Tex. Admin. Code §

81.201(a) (2012)Mortgage Loan Company and



Registration Act

Mortgage Banker - Conditional Qualification Letter [Form A]










Texas(Package Type)


Generic Cx Number



Initial Disclosure

TX Mortgage Company

Conditional Qualification

Letter (Form A)




Both






constructed


when a conditional

qualification is established


Tex. Admin. Code §

80.201(a) (2012)Mortgage Loan Company 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,


Code (a consumer

loan)


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 (


Cx510, & Cx6178

(FNMA/FHLMC)

Not specifiedBoth Not specified Real property


at closing

Tex. Prop. Code Ann. § 11.008(c)

(West 2012)

Statutory

FNMA Form 3044FNMA Form 3044.1











Texas(Package Type)


Generic Cx Number



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


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


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




http://www.banking.state.tx.us/bnt/banks_home.htm#bnknotice






Texas(Package Type)


Generic Cx Number



Closing

TX Home Equity Owner’s Affidavit

Acknowledging Lender’s

Compliance and HUD-1 01-01-10

Cx5010 and Cx14222 (Federal)

A lenderBoth


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





http://www.glo.texas.gov/vlb/veterans-benefits/veteran-loans/home-loans/take-out-loans.html

http://www.glo.texas.gov/vlb/veterans-benefits/veteran-loans/home-loans/take-out-loans.html








Texas(Package Type)


Generic Cx Number



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


Originator Licensing and Registration Act

(Tex. Fin. Code §§ 156.001 through 156.508); or (3) a

licensee under the Mortgage Banker Registration and


Originator Act (Tex. Fin. Code §§ 157.001


Either: (1) a home loan; or

(2) a residential

mortgage loan

Either: (1) a manufactured home or real



borrower’s principal

residence; or (2) a dwelling (defined by


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


http://www.sml.texas.gov/ResidentialMortgageLoanOriginator/rmlo_mb_forms.html#mcForms









Texas(Package Type)


Generic Cx Number



ClosingSpanish Truth-in-

Lending Disclosure

Cx14389 (Spanish)


of Texas’ Finance CodeBoth

A loan under Chapter 342,


Code (a consumer loan) or a

home equity loan regulated by the Texas

Office of Consumer

Credit Commissioner


No later than consummation

of the loan contract


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


Originator License Act; or (2) a

registrant under the Residential

Mortgage Loan Servicer Registration

ActBoth


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


Originator License Act

andResidential

Mortgage Loan Servicer

Registration Act

Statutory

Required Disclosure Statement



http://www.sml.texas.gov/ResidentialMortgageLoanServicer/rmls_forms.html






Utah(Package Type)


Generic Cx Number





Cx2778

A person, including one both authorized

to engage in insurance activities and who

extends creditBoth


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



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



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


yearsNot specified

At the time of receipt or

preparation of the written application


2012)Mortgage


No


http://le.utah.gov/code/TITLE70D/htm/70D02_030200.htm

http://le.utah.gov/code/TITLE61/htm/61_02d010500.htm


http://le.utah.gov/code/TITLE31A/htm/31A23a041600.htm




Utah(Package Type)


Generic Cx Number



Closing RESPA Legend on UT Deeds of Trust

On Cx353 (


Cx511, & Cx1398

A person submitting for recording a

document subject to RESPABoth

A federally-related mortgage

loan subject to RESPA


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


yearsNot specified At the time of

closing


2012)Mortgage


No





http://le.utah.gov/code/TITLE17/htm/17_21_001805.htm


Vermont(Package Type)


Generic Cx Number



Initial Disclosure Anti-Coercion Insurance Disclosure Cx2778 A person

Both



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


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


2012); Vt. Admin. Code 4-2-6

(2012)



http://www.leg.state.vt.us/statutes/sections.cfm?Title=09&Chapter=004





Generic Cx Number



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)


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


2012)No

Initial DisclosureVT Addendum to

Uniform Residential Loan Application

Cx5107 Not specifiedBoth Not specified Not specified


application

Vt. Stat. Ann. tit. 15, § 1204; Dept.

of Banking, Insurance,

Securities, and Health Care

Administration Bulletin No. 23

BUL-B-23


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



http://www.bishca.state.vt.us/banking/vermont-civil-union-law-effective-july-1-2000

http://www.dfr.vermont.gov/banking/vermont-civil-union-law-effective-july-1-2000






Generic Cx Number



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


2012)

Statutory

FNMA Form 3200


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










Virginia(Package Type)


Generic Cx Number



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


http://leg1.state.va.us/cgi-bin/legp504.exe?000+cod+6.2-1616

http://leg1.state.va.us/cgi-bin/legp504.exe?000+cod+38.2-513.1




Generic Cx Number



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


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


Before entering into an

arrangement with an affiliated

business

Va. Code Ann. § 55-525.13 (West

2012)

12 CFR Pt. 1024, App. D


Benefit Worksheet


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



Not specified

10 Va. Admin. Code §§ 5-160-10

& 5-160-30(B) (2012)

No


http://leg1.state.va.us/cgi-bin/legp504.exe?000+reg+10VAC5-160-30




http://leg1.state.va.us/cgi-bin/legp504.exe?000+cod+55-525.13


http://leg1.state.va.us/cgi-bin/legp504.exe?000+cod+55-525.23




Generic Cx Number



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



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


Consumer credit or a mortgage

loan

Not specified.1-to-4 family


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 (


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




Prior to the closing of a

mortgage loan

Va. Code Ann. § 6.2-1615 (West

2012)

12 CFR Pt. 1024, App. A















Washington(Package Type)


Generic Cx Number



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


Residential real estate upon


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



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 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


http://apps.leg.wa.gov/rcw/default.aspx?cite=19.149.020


http://www.dfi.wa.gov/cs/mortgage_forms.htm


http://apps.leg.wa.gov/wac/default.aspx?cite=208-620-510





Generic Cx Number



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


Residential real estate upon


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


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


Either: (1) residential real



dwelling of 1-to-4 units; or (2) a

dwelling (as defined under




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


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
















Generic Cx Number



Initial Disclosure Loan Brokerage Agreement Cx3841

A mortgage broker or a loan originator

Brokers


Residential real property upon which is (or will be constructed) a 1-to-4 family

dwelling

Not specified


2012); Wash. Admin. Code § 208-660-430(23) (2012)

No




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)


Loan Disclosure Summary Form -

Both Types


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


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



creditNot specified

In documents relating to the

credit agreement.


2012)Statutory




http://www.lni.wa.gov/FormPub/results.asp?Keyword=contractor

http://www.lni.wa.gov/FormPub/results.asp?Keyword=contractor




http://www.dfi.wa.gov/banks/forms.htm









http://apps.leg.wa.gov/rcw/default.aspx?cite=26.60

http://apps.leg.wa.gov/rcw/default.aspx?cite=26.60







West Virginia(Package Type)


Generic Cx Number





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


http://www.legis.state.wv.us/WVCODe/ChapterEntire.cfm?chap=46a&art=3&section=109#03




Generic Cx Number



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




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


A credit services organization

Brokers


Before executing a contract with a

buyer or receiving any

money

W. Va. Code Ann. § 46A-6C-6 (West

2012)West Virginia


Act

CSO-3 & CSO-4

Initial Disclosure

Credit Services Organization Contract and

Notice of Cancellation

URA credit services

organizationBrokers


Not specified, but practically before engaging in credit

services

W.Va. Code Ann. § 46A-6C-7 (West

2012)West Virginia


Act

Mostly Statutory


http://www.legis.state.wv.us/WVCODe/Code.cfm?chap=46a&art=6C#06C

http://www.sos.wv.gov/business-licensing/Pages/FormIndexforBusinessFilings.aspx

http://www.legis.state.wv.us/WVCODe/ChapterEntire.cfm?chap=46a&art=6C&section=6#06C

http://www.dfi.wv.gov/mortgage/Pages/default.aspx

http://www.dfi.wv.gov/mortgage/Pages/default.aspx


http://www.legis.state.wv.us/WVCODe/ChapterEntire.cfm?chap=31&art=17&section=8#17



Generic Cx Number










loanBoth






dwelling


W. Va. Code Ann. § 31-17A-18 (West 2012)

West Virginia SAFE Mortgage

Licensing Act


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





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


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


Act

No



http://www.gpo.gov/fdsys/browse/collectionCfr.action;jsessionid=zDCcQppZQnLxM1y5ctT15KNsD8w9HybPNZgGr1W2HLSdYnSP9LBP!-206352083!1120821180?collectionCode=CFR&searchPath=Title+12%2FChapter+X%2FPart+1026&oldPath=Title+12%2FChapter+X%2FPart+1024&isCollapsed=true&selectedYearFrom=2012&ycord=1320

http://www.legis.state.wv.us/WVCODe/ChapterEntire.cfm?chap=31&art=17&section=9#17




http://www.legis.state.wv.us/WVCODe/ChapterEntire.cfm?chap=31&art=17A&section=18#17A



Generic Cx Number



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


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)


Act

Statutory





http://www.legis.state.wv.us/WVCODe/ChapterEntire.cfm?chap=46a&art=3&section=109A#03

http://www.legis.state.wv.us/WVCODe/ChapterEntire.cfm?chap=46a&art=3&section=109A#03

Wisconsin(Package Type)


Generic Cx Number





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


Wis. Stat. Ann. § 134.10(1) (West

2012)No



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


principal residence

Before making a variable rate

loan.


2012)No




Wis. Stat. Ann. §§ 770.001 through

770.18 (West 2012)

No

Initial Disclosure


& WI Loan Commitment


Cx15918

A licensee under either Wis. Stat. Ann. §§ 224.72 or 224.725

Both




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






property

Before entering into a brokerage services contract.


2012); Wis. Admin. Code, DFI-BKG §

44.02 (2012)

Consumer Disclosure Statement


http://www.wdfi.org/fi/mortbank/forms.htm



https://docs.legis.wisconsin.gov/code/admin_code/dfi_bkg/44

https://docs.legis.wisconsin.gov/statutes/statutes/224/III/79




https://docs.legis.wisconsin.gov/statutes/statutes/770

https://docs.legis.wisconsin.gov/statutes/statutes/770

https://docs.legis.wisconsin.gov/statutes/statutes/138/056






Generic Cx Number



Initial DisclosureWI Mortgage

Broker Agreement





property


engaging in broker services


2012); Wis. Admin. Code, DFI-BKG §

44.01 (2012)

Mortgage Broker Agreement - Both

Versions

Initial Disclosure


Benefit Worksheet


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


WI ARM Prepayment

Penalty NoticeCx9109 A lender

Both

A variable rate loan, which is a

primary lien


principal residence

By the time of the offer of the loan

Wis. Stat. Ann. § 138.056(3m)(a)

(West 2012)No






On Cx4193 (

FNMA/FHLMC)


loanBoth




property


Wis. Stat. Ann. § 224.73(4)(a) & (b)

(West 2012)



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)


2012)Wisconsin

Consumer Act

Statutory








https://docs.legis.wisconsin.gov/statutes/statutes/428/II/203








Generic Cx Number



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


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


principal residence

Before closingWis. Stat. Ann. § 138.052(5m)(b)

(West 2012)No

ClosingWI Explanation of

Personal Obligation


Not specifiedBoth

A consumer credit

transaction, which is a junior

lien and the amount financed is $25,000 or less


At the same time of signing a

separate instrument


2012)Wisconsin

Consumer Act

No







Wyoming(Package Type)


Generic Cx Number




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


which is a primary lien

A dwelling, consisting of 1-

to-4 units, whether

attached to real property or not,



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


Practices Act

No


http://legisweb.state.wy.us/statutes/statutes.aspx?file=titles/Title40/T40CH23.htm

http://legisweb.state.wy.us/statutes/statutes.aspx?file=titles/Title40/T40CH14AR4.htm




Generic Cx Number




Cx14221 (Federal)

A mortgage brokerBoth




to-4 units, whether




dwelling


prior to closing

Wyo. Stat. Ann. § 40-23-114(d)(ii)

(West 2012)Wyoming


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),



to-4 units, whether




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



A lenderLenders

A consumer loan, which is

generally a junior lien with a

finance charge exceeding 18%

Land or a dwelling


Not specified, but practically before charges for additional insurances are

made

Wyo. Stat. Ann. § 40-14-311(b)(i) & (ii) (West 2012)


Code - Loans

No









Generic Cx Number




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


Various times


2012)Uniform


12 CFR Pt. 1026, App. G & H




Application

On Cx4193 (

FNMA/FHLMC)


loanBoth


which is a consumer loan

that generally is a junior lien with a finance charge exceeding 18%


to-4 units, whether




dwelling

With the loan application


2012)Wyoming Uniform









http://legisweb.state.wy.us/statutes/statutes.aspx?file=titles/Title40/Title40.htm




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.

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