STATE DISCLOSURES - Compliance...NMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan...

Property of Docutech, LLC Version 18.03

STATE DISCLOSURES

Legal Disclaimer: This table was compiled for informational and reference purposes only. It does not constitute, nor should it be 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, LLC is prohibited.

Last Updated: March, 2018


Matrix Guide

United States (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type

Lenders/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 Contents

Click 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

Puerto Rico

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)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement

Legal Reference Specific Language

Required

Initial Disclosure Anti-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)

Alabama “Mini-

Code”

No

Initial Disclosure

AL Mortgage

Broker Agreement

Cx4068 A licensee under the

Mortgage Brokers

Licensing Act

Brokers

A mortgage loan 1- to 4- family

residential real

estate

Prior to the

collection of a

mortgage broker

fee

Ala. Code § 5-

25-12(a)(1)

Mortgage

Brokers Licensing

Act

No

Initial Disclosure AL Commitment

Agreement

Cx17166 (upon

request)

A lender

Both

A mortgage loan 1-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

loan

Both

A residential

mortgage loan

A dwelling (as

defined in

Section 103[w] of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling.

On the

application

Ala. Code § 5-

26-20

Alabama S.A.F.E.

Mortgage

Licensing Act of

2009

FNMA 1003 Form -

Uniform Residential

Loan Application

http://alisondb.legislature.state.al.us/alison/codeofalabama/1975/coatoc.htm










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




Alabama (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Closing Caution Notice in

3200, FHA, and VA

3200 Note Fixed,

Fixed Rate Note

Alabama Second,

and other Notes

On Cx5

(FNMA/FHLMC),

Cx36 (FHA),

Cx58, Cx1033

and other

Notes

A creditor licensed

under the Alabama

“Mini-Code”

Both

A consumer

credit transaction

(aka a consumer

loan)

Property in which

the creditor is

given a security

interest

At closing Ala. Code § 5-

19-6(a)

Alabama “Mini-

Code”

Statutory

FNMA Form 3200 –

Multistate Fixed-

Rate Note

Closing AL FHA Addendum

to Wood

Infestation

Inspection Report

Cx1260 (upon

request)

Not specified

Both

Not specified Property Not specified Ala. Admin. Code

r. 80-10-9-.18

No




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



http://www.alabamaadministrativecode.state.al.us/docs/agr/80-10-9.pdf



Alaska (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure AK Anti-Coercion

Insurance

Disclosure

Cx3842 Either: (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

No

Initial Disclosure Tangible 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

Alaska Secure and

Fair Enforcement

for Mortgage

Licensing Act of

2010

No

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







Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure AK Consumer

Credit Insurance

Disclosure

Cx17164 (upon

request)

A creditor

Lenders

A credit

transaction, of an

amount of

$30,000 or less,

which is not

secured by a first

lien and which is

not made to

finance the

purpose of real

property, the

construction of a

dwelling, or a

refinance of either

of these.

Not specified Not specified Alaska Stat. §

21.57.120

No




Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure AK Commitment

Agreement

Cx17686 (upon

request)

Either: (1) a licensee

under the Alaska

Secure and Fair

Enforcement for

Mortgage Licensing

Act of 2010; or (2) a

licensee under the


(Alaska Stat. §§

06.20.010 through

06.20.920)

Both

A mortgage loan

transaction (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


06.60.340(19) &

(22)

Alaska Secure and

Fair Enforcement

for Mortgage

Licensing Act of

2010

No

Initial Disclosure AK Depository

Institution

Insurance

Disclosure

Cx17687 (upon

request)

A financial institution,

which sells insurance

Both

An extension of

credit

Not specified At the time of

application for

the extension of

credit

Alaska Stat. §

21.36.323

No








Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure,

TILA Redisclosure,

and Closing

All Federal

Disclosures

Cx18, 14221,

14222, & Others

(Federal)

A person subject to the

Alaska Secure and Fair

Enforcement for

Mortgage Licensing

Act of 2010

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

Various Alaska Stat. §

06.60.330

Alaska Secure and

Fair Enforcement

for Mortgage

Licensing Act of

2010

12 CFR Pt. 1024

App.

12 CFR Pt. 1026,

App.


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=2013&ycord=1440

http://www.gpo.gov/fdsys/browse/collectionCfr.action?collectionCode=CFR&searchPath=Title+12%2FChapter+X%2FPart+1026&oldPath=Title+12%2FChapter+X%2FPart+1024&isCollapsed=true&selectedYearFrom=2013&ycord=1440



Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure,

Processing,

Underwriting, and

Closing

NMLS Unique

Identifier

Disclosed on 1003

Uniform

Residential Loan

Application

Cx4193

(FNMA/FHLMC)

A person operating as

a mortgage lender,

mortgage broker, or

mortgage loan

originator

Both

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

On the

application

Alaska Stat. §

06.60.325

Alaska Secure and

Fair Enforcement

for Mortgage

Licensing Act of

2010

FNMA 1003 Form -

Uniform Residential

Loan Application

Closing Notice of Suit in

3200, FHA, and VA

3200 Note Fixed,

Fixed Rate Note

Alaska Second,

and other Notes

Cx5

(FNMA/FHLMC),

Cx36 (FHA),

Cx58, Cx1032,

and other Notes

A lender

Both

An obligation

secured by a

mortgage or deed

of trust

Not specified On the

promissory note

Alaska Stat. §

34.20.160

Statutory

FNMA Form 3200 –

Multistate Fixed-

Rate Note

Closing TILA HELOC

Disclosures in AK

Open-End Loan

Agreement



Both

Open-end loans,

with an aggregate

total not

exceeding

$25,000

Not specified In the loan

agreement

Alaska Stat. §

06.20.285(d)

Alaska Small

Loans Act

No












Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Closing AK Loan

Statement



Both

A small loan

which has a

principal amount

of $25,000 or less

and which has a

greater rate of

interest than

otherwise

permitted under

the Small Loans

Act

Not specified At the time the

loan is made

Alaska Stat. §

06.20.270

Alaska Small

Loans Act

No

Closing Alaska Escrow

Account

Agreement

Cx16005

(upon request)

A “covered person,”


under the Alaska

Secure and Fair

Enforcement for

Mortgage Licensing

Act of 2010 or the


(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


06.60.360

Alaska Secure and

Fair Enforcement

for Mortgage

Licensing Act of

2010

No








Arizona (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure AZ 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 loan

Real estate Closing Ariz. Rev. Stat.

Ann. §§ 6-909(A)

& 6-947(A); Ariz.

Admin. Code R20-

4-921 & R20-4-

1808

Administrative

Initial Disclosure Advanced

Fee/Application

Disclosure and

Good Faith

Estimate 01-01-10

Cx2783 and

Cx14221

(Federal)

Either: (1) a mortgage





a mortgage banker


of the same Chapter

Both

Either: (1) a

mortgage loan of

$200,000 or less;

or (2) a mortgage

banking loan or

mortgage loan

Real estate Before accepting

any monies or

documents in

connection with

an application or

before collecting

any other advance

fee

Ariz. Rev. Stat.

Ann. §§ 6-906(c),

6-909(k), & 6-

946(c)

12 CFR Pt. 1024,

App. C

http://www.azleg.gov/FormatDocument.asp?inDoc=/ars/6/00909.htm&Title=6&DocType=ARS


http://apps.azsos.gov/public_services/Title_20/20-04.pdf











Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required


Insurance

Disclosure





Revised Statutes; (2) a

mortgage banker


of the same Chapter;

(3) a loan originator; (4)

a person engaged in

the business of

financing or lending

money on real

property; or (5) any

other person

Both

A loan secured by

real property

Real estate and

real property

Not specified Ariz. Rev. Stat.

Ann. §§ 6-909(P),

6-947(O), 6-

991.02(L), 20-

452.01, 20-452.02,

20-452.03, & 44-

1208

No



http://www.azleg.gov/FormatDocument.asp?inDoc=/ars/6/00991-02.htm&Title=6&DocType=ARS










Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure Disclosure of

Multiple Roles in a

Consumer Real

Estate Transaction





Revised Statutes, who

also renders services as

a real estate broker or

salesman; (2) a

mortgage banker


of the same Chapter,

who also renders

services as a real estate

broker or salesman; or

(3) a loan originator

licensed under Title 32,

Chapter 20

Both

A mortgage

banking loan, a

mortgage loan, or

a residential

mortgage loan

Real estate, or a

dwelling (as

defined it 15

USCA § 1602[v])

or residential real

estate on which a

dwelling is (or

intended to be)

constructed

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), & 6-

991.02(F)

No







Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure AZ Consumer

Credit Insurance

Disclosure

UR A creditor

Lenders

A loan or credit

transaction, with a

term of 15 years

or less and which

is not secured as

a first lien and

made to finance

the purchase of

real property,

construction of a

dwelling, or

refinance either of

these.

Not specified Before the loan

transaction is

completed

Ariz. Rev. Stat.

Ann. § 20-1614;

Ariz. Admin. Code

§ 20-6-

604.01(a)(2)

No

Initial Disclosure CSO Information

Statement

UR A credit services

organization (CSO)

Brokers

An extension of

credit for

consumer

purposes

Not specified Before execution

of a contract

between the CSO

and the buyer or

before receipt by

the CSO of any

consideration,

whichever comes

first

Ariz. Rev. Stat.

Ann. §§ 44-1704

& 44-1705

No

Initial Disclosure CSO Contract UR A credit services

organization (CSO)

Brokers

An extension of

credit for

consumer

purposes

Not specified Not specified Ariz. Rev. Stat.

Ann. § 44-1706

Partial Statutory









Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure

and TILA

Redisclosure

RESPA and TILA

Disclosures

Cx1591,

Cx14221,

Cx14222, and

Others (All

Federal)






a mortgage banker


of the same Chapter

Both

A mortgage loan

or a mortgage

banking loan

Residential real

property designed

principally for 1-

to-4 families

Before closing Ariz. Rev. Stat.

Ann. §§ 6-906(D)

& 6-946(E)

12 CFR Pt. 1024,

App. & Pt. 1026,

App. G & H

Initial Disclosure &

Adverse Action

Appraisal

Disclosure






a mortgage banker


of the same Chapter

Both

A mortgage

banking loan or a

mortgage loan

Real estate Not specified Ariz. Rev. Stat.

Ann. §§ 6-906(c)

& 6-946(c)

No

Closing AZ Disbursement

of Funds

Permission

UR Either: (1) a mortgage





a mortgage banker


of the same Chapter

Both

A mortgage loan

or a mortgage

banking loan

Real estate Before the

recording of the

security

instrument

Ariz. Rev. Stat.

Ann. § 6-909(O) &

6-947(N)

No













Arkansas (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure Right to Choose

Attorney

Cx3846 A creditor

Both

A 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)

Arkansas Home

Loan Protection

Act

No


Benefit Worksheet

Cx12531 (upon

request)

Either: (1) a person; or

(2) a creditor

Both

Either: (1) a

mortgage loan

transaction which

refinances a

residential

mortgage loan; or

(2) a high-cost

home loan which

refinances an

existing home

loan

Either: (1) a

dwelling (as

defined in 15

USCA § 1602[w],

as it existed on

January 1, 2011)

or residential real

estate upon which

is (or is intended

to be)

constructed a

dwelling; or (2)

real estate upon

which there is a 1-

to-4 family

structure which is

(or will be)

borrower-

occupied as a

principal dwelling

Not specified Ark. Code Ann. §§

23-39-513(10) &

23-53-104(b)

Fair Mortgage

Lending Act and

Arkansas Home

Loan Protection

Act

No

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






Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure AR Anti-Coercion

Insurance

Disclosure

Cx17018 Either: (1) a savings and

loan association,

financial institution,

national bank,

mortgage company, or

any public or provide

mortgagee; (2) a

person, including

depository institutions

and affiliates, primary

and secondary

mortgagees, vendors,

or lenders; or (3)


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

Property Prior to the sale

of most, but not

all, insurances

Ark. Code Ann. §§

23-32-206, 23-66-

312, 23-66-605, &

23-66-606

Insurance Sales

Consumer

Protection Act

No

Initial Disclosure AR Commitment

Agreement

Cx17162 Any person or entity

Both

An extension of

credit exceeding

$10,000

Not specified Not specified Ark. Code Ann. §

4-59-101(d)

No









Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required


Statement


organization (CSO)

Brokers

An extension of

credit for

consumer

purposes


of a contract

between the CSO

and the buyer or

before receipt by

the CSO of any

consideration,

whichever comes

first

Ark. Code Ann. §§

4-91-107 & 4-91-

108

Credit Services

Organizations Act

of 1987

No


organization (CSO)

Brokers

An extension of

credit for

consumer

purposes

Not specified Not specified Ark. Code Ann. §

4-91-109

Credit Services

Organizations Act

of 1987

Partial Statutory

Adverse Action Addendum to

Statement of

Credit Denial,

Termination, or

Change

Cx15905 A user of a consumer

report (aka a creditor)

Both

Credit, an

extension of

existing credit, or

increase in

existing credit

Not specified When credit is

denied either in

whole or in part

Ark. Code Ann. §§

4-93-103 & 4-93-

104

No

Initial Disclosure,

Processing,

Underwriting, and

Closing

NMLS Unique

Identifier

Disclosed on 1003

Uniform

Residential Loan

Application

On Cx4193

(FNMA/FHLMC)

A person soliciting or

originating a mortgage

loan.

Both

A mortgage loan A dwelling (as

defined in 15

USCA § 1602[w],

as it existed on

January 1, 2011)

or residential real

estate upon which

is (or is intended

to be)

constructed a

dwelling

On the

application

Ark. Code Ann. §

23-39-510(b)

Fair Mortgage

Lending Act

FNMA 1003 Form -

Uniform Residential

Loan Application














Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

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

credit

Both

Credit Property At the time of

extending credit

Ark. Code Ann. §

4-57-103(a)

12 CFR Pt. 1024,

App. A

Closing Notice of

Servicing Transfer

Cx17905

(Federal)

A mortgage servicing

licensee under the Fair

Mortgage Lending Act

(Ark. Code Ann. §§ 23-

39-501 through 23-39-

518)

Both


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

At least 15 days

before the first

payment affected

by the transfer is

due

Ark. Admin. Code

§ 214.00.2-5010-

1(c)

Fair Mortgage

Lending Act

12 CFR Pt. 1024,

App. MS-2




http://www.sos.arkansas.gov/rules_and_regs/index.php/rules/search/new

http://www.sos.arkansas.gov/rules_and_regs/index.php/rules/search/new




California (Package Type)

Proper Name

of Disclosure

Generic Cx

Number

License Type



Requirement

Legal

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); Cal.

Code Regs.

Tit. 10, §

1950.204

Real Estate

Law and

California

Residential

Mortgage

Lending Act

No

Initial

Disclosure

CA Mortgage

Brokerage

Agreement



Mortgage Lending Act,

specifically a residential

mortgage lender, or a

mortgage loan

originator employed by

the residential

mortgage lender

Brokers

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, 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)

California

Residential

Mortgage

Lending Act

No

http://leginfo.legislature.ca.gov/faces/codes_displayText.xhtml?lawCode=BPC&division=4.&title=&part=1.&chapter=3.&article=7.

https://govt.westlaw.com/calregs/Document/I827FB6702BCF11E4A6D6D3F1F2EE3B20?viewType=FullText&originationContext=documenttoc&transitionType=CategoryPageItem&contextData=(sc.Default)

http://leginfo.legislature.ca.gov/faces/codes_displayText.xhtml?lawCode=FIN&division=20.&title=&part=&chapter=9.&article=





Proper Name

of Disclosure

Generic Cx

Number

License Type



Requirement

Legal

Reference

Specific

Language

Required

Initial

Disclosure

CA Balloon

Disclosure

Regarding

Extension of

Credit

Cx2786 (upon

request)

A real estate broker

(aka a licensee under

Chapter 3 of the Real

Estate Law)

Brokers

Any loan secured by a

dwelling, which is subject

to Cal. Bus. & Prof. Code §

10240, which also

provides for a balloon

payment, but not a bona

fide loan that is either: (1)

secured by a first trust

deed with a principal

amount of $30,000 or

more; or (2) secured by a

junior lien with a principal


more

A dwelling, including a

single dwelling unit in a

condo or co-op or any

parcel containing only

residential buildings if the

total number of units on

the parcel is 4 or less

Prior to a

borrower

becoming

obligated on

the loan

Cal. Bus. &

Prof. Code §

10241.4

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

Statutory


http://leginfo.legislature.ca.gov/faces/codes_displayText.xhtml?lawCode=CIV&division=3.&title=14.&part=4.&chapter=2a.&article=



Proper Name

of Disclosure

Generic Cx

Number

License Type



Requirement

Legal

Reference

Specific

Language

Required

Initial

Disclosure

CA Addendum

to Uniform

Residential Loan

Application

Cx2796 Either: (1) not specified;

or (2) a lender,

presumably a finance

lender licensed under

the California

Financing Law

Both

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);

Cal. Fin. Code

§§ 22203 &

22204

California

Financing

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)

No

Initial

Disclosure

CA Mortgage

Loan Disclosure

Statement

Cx2798 A real estate broker



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 §§

10236.4(b),

10240, 10241,

& 10241.2;

Cal. Code

Regs. tit. 10, §

2840

Real Estate

Law

RE 882 -

Mortgage Loan

Disclosure

Statement,

Traditional

Initial

Disclosure

CA Title

Insurance

Disclosure

Cx2799 Not specified

Both

An escrow transaction for

the purchase or

simultaneous exchange of

real property

Real property At the time of

an escrow

transaction

Cal. Civ. Code

§ 1057.6

Statutory

http://leginfo.legislature.ca.gov/faces/codes_displayText.xhtml?lawCode=CIV&division=3.&title=2.&part=4.&chapter=2.&article=

http://leginfo.legislature.ca.gov/faces/codes_displayText.xhtml?lawCode=FIN&division=9.&title=&part=&chapter=2.&article=1.


http://leginfo.legislature.ca.gov/faces/codes_displayText.xhtml?lawCode=FIN&division=1.7.&title=&part=&chapter=1.&article=






https://govt.westlaw.com/calregs/Document/I796A93B0095711E483F2983B78D316A1?viewType=FullText&originationContext=documenttoc&transitionType=CategoryPageItem&contextData=(sc.Default)

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





http://leginfo.legislature.ca.gov/faces/codes_displayText.xhtml?lawCode=CIV&division=2.&title=4.&part=4.&chapter=1.&article=3.



Proper Name

of Disclosure

Generic Cx

Number

License Type



Requirement

Legal

Reference

Specific

Language

Required

Initial

Disclosure

CA Balloon

Disclosure

Cx2800 A real estate broker



Estate Law)

Both

A loan secured by a lien Real property Within 3

business days

after receipt of

a written loan

application

Cal. Bus. &

Prof. Code §

10241(h)

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)

No

Initial

Disclosure

CA Financing

Law Statement

of Loan - Broker

Cx5188 A licensed broker

under the California

Financing Law

Brokers

Consumer loans (of $5,000

or more), but excluding a

commercial bridge loan

made by a venture capital

company to an operating

company

Real property At the time

the final

negotiation or

arrangement

is made

Cal. Fin. Code

§§ 22314 &

22338; Cal.

Code Regs.

tit. 10, § 1454

California

Financing

Law

Partial

Administrative

Initial

Disclosure

CA Rate Lock

Agreement




Both


loan which is either a


loan (as defined in 24 CFR

§ 3500.2) or a loan made

to finance the


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)

California

Residential

Mortgage

Lending Act

No





https://govt.westlaw.com/calregs/Document/I5E3761F02BCF11E4A6D6D3F1F2EE3B20?viewType=FullText&originationContext=documenttoc&transitionType=CategoryPageItem&contextData=(sc.Default)





Proper Name

of Disclosure

Generic Cx

Number

License Type



Requirement

Legal

Reference

Specific

Language

Required

Initial

Disclosure

CA Mortgage

Loan Disclosure

Statement/Good

Faith Estimate

Cx12922 Either: (1) a real estate

broker (aka a licensee

under Chapter 3 of the

Real Estate Law); (2) a

real estate broker,

when acting on behalf

of a mortgage lender,

mortgage broker, or

mortgage lender and

broker under the

California Financing

Law; or (3) a real estate

broker, when acting on

behalf of a licensee


Residential Mortgage

Loan Act

Both

Either: (1) a loan secured

by a lien; (2) a loan

secured by a dwelling that

provides for a balloon

payment; (3) a

nontraditional loan or an

adjustable rate loan that is

subject to the Guidance;

(4) a home loan which is a

nontraditional mortgage

product; or (5) a

nontraditional loan or an

adjustable rate loan that is

subject to the Guidance

Either: (1) real property; (2)

residential real property

improved by a 1-to-4

family dwelling; or (3) a 1-

to-4-unit single-family

residence

Within 3

business days

after receipt of

a written loan

application

Cal. Bus. &

Prof. Code §§

10240(a),

10241,

10241.2, &

10241.4; Cal.

Code Regs.

Tit. 10, §§

1436(d),

2842, &

1950.314.8(d)

Real Estate

Law and

California

Residential

Mortgage

Loan Act

Re885 - Mortgage

Loan Disclosure

Statement/Good

Faith Estimate,

Non Traditional

Mortgage

Product

Initial

Disclosure

CA Disclosure of

Negative

Amortization

Cx12996 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 specified Cal. Fin. Code

§ 4973(c)

No

Initial

Disclosure

Addendum to

Loan

Application


Both

Not specified Not specified Not specified Cal. Fam.

Code § 297.5

No





https://govt.westlaw.com/calregs/Document/I5CC61EB02BCF11E4A6D6D3F1F2EE3B20?viewType=FullText&originationContext=documenttoc&transitionType=CategoryPageItem&contextData=(sc.Default)

https://govt.westlaw.com/calregs/Document/I79F1C510095711E483F2983B78D316A1?viewType=FullText&originationContext=documenttoc&transitionType=CategoryPageItem&contextData=(sc.Default)

https://govt.westlaw.com/calregs/Document/I853D01B02BCF11E4A6D6D3F1F2EE3B20?viewType=FullText&originationContext=documenttoc&transitionType=CategoryPageItem&contextData=(sc.Default)









http://leginfo.legislature.ca.gov/faces/codes_displayText.xhtml?lawCode=FAM&division=2.5.&title=&part=1.&chapter=&article=



Proper Name

of Disclosure

Generic Cx

Number

License Type



Requirement

Legal

Reference

Specific

Language

Required

Initial

Disclosure

CA Comparison

of Sample

Mortgage

Features


lender, mortgage

broker, and mortgage

lender and broker

licensed under the


Law; or (2) a licensee



Lending Act

Both

A nontraditional loan or

an adjustable rate loan

that is subject to the

Guidance

Residential real property

improved by a 1-to-4

family dwelling

Within 3

business days

after receipt of

a written loan

application

Cal. Code

Regs. tit. 10,

§§ 1436(d) &

1950.314.8(d)

California

Financing

Law and

California

Residential

Mortgage

Lending Act

Comparison Chart

Initial

Disclosure

CA Broker HPML

Disclosure

Cx14956 (upon

request)

A mortgage broker

who arranges only

higher-priced

mortgage loans,

including the major

licensed types (see Cal.

Fin. Code § 4995[b] for

details)

Both

A higher-priced mortgage

loan

A consumer’s principal

dwelling

At the time of

initially

engaging in

mortgage

brokerage

services

Cal. Fin. Code

§ 4995.2(c)

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 property No later than

3 business

days after

receipt of a

written

application

Cal. Civ. Code

§ 1632.5

Housing and

Urban

Development -

Good Faith

Estimate Forms

(Spanish)

https://govt.westlaw.com/calregs/Document/I5CC61EB02BCF11E4A6D6D3F1F2EE3B20?viewType=FullText&originationContext=documenttoc&transitionType=CategoryPageItem&contextData=(sc.Default)

https://govt.westlaw.com/calregs/Document/I853D01B02BCF11E4A6D6D3F1F2EE3B20?viewType=FullText&originationContext=documenttoc&transitionType=CategoryPageItem&contextData=(sc.Default)

http://www.dbo.ca.gov/Commissioner/Releases/Residential_Mortgage.asp

http://leginfo.legislature.ca.gov/faces/codesTOCSelected.xhtml


http://leginfo.legislature.ca.gov/faces/codes_displayText.xhtml?lawCode=CIV&division=3.&title=2.&part=2.&chapter=&article=

http://leginfo.legislature.ca.gov/faces/codes_displayText.xhtml?lawCode=CIV&division=3.&title=2.&part=2.&chapter=&article=

http://www.dbo.ca.gov/forms/








Proper Name

of Disclosure

Generic Cx

Number

License Type



Requirement

Legal

Reference

Specific

Language

Required

Initial

Disclosure

High Cost

Tangible Net

Benefit

Worksheet

Cx15773 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 specified Cal. Fin. Code

§ 4973(j)

No

Initial

Disclosure

CA Loan

Commitment




Both






to finance the


family dwelling



structure

Upon approval

of the

application

Cal. Fin. Code

§ 50203(a)(4)

California

Residential

Mortgage

Lending Act

No

Initial

Disclosure

CA Advanced

Fee/Application

Disclosure

Cx16084 A licensee under

California’s Real Estate

Law (Cal. Bus. & Prof.

Code §§ 10000 through

10602)

Both

Not specified, but

practically a loan secured

directly or collaterally by

liens on real property

Real property Not specified,

but practically

before

performing

any services

for which the

fee is charged

Cal. Code

Regs. tit. 10, §

2970

Real Estate

Law

No





https://govt.westlaw.com/calregs/Document/IF19294D0D49311DEBC02831C6D6C108E?viewType=FullText&originationContext=documenttoc&transitionType=CategoryPageItem&contextData=(sc.Default)



Proper Name

of Disclosure

Generic Cx

Number

License Type



Requirement

Legal

Reference

Specific

Language

Required

Initial

Disclosure

CA Fair Lending

Notice

Cx16170 &

Cx991

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; Cal.

Code Regs.

Tit. 21, § 7114

Holden Act

and California

Fair Lending

Regulations

Administrative

Re867 - Fair

Lending Notice

(receipt)

Initial

Disclosure

Request for Fair

Lending

Information

Cx18014 Financial Institutions,

including banks,

savings and loan

associations, and

public agencies

Both

Financial assistance,



loans or contracts,



secured loans, and



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






for a secured home

improvement loan

Upon

submission of

a written

application

Cal. Health

and Safety

Code §

35830; Cal.

Code Regs.

Tit. 21, §

7114.1

Holden Act

and California

Fair Lending

Regulations

Partial

Administrative

http://leginfo.legislature.ca.gov/faces/codes_displayText.xhtml?lawCode=HSC&division=24.&title=&part=6.&chapter=5.&article=

https://govt.westlaw.com/calregs/Document/IF3164A10D45011DEB97CF67CD0B99467?viewType=FullText&originationContext=documenttoc&transitionType=CategoryPageItem&contextData=(sc.Default)





https://govt.westlaw.com/calregs/Document/IF34919E0D45011DEB97CF67CD0B99467?viewType=FullText&originationContext=documenttoc&transitionType=CategoryPageItem&contextData=(sc.Default)



Proper Name

of Disclosure

Generic Cx

Number

License Type



Requirement

Legal

Reference

Specific

Language

Required

Initial

Disclosure

CA REL

Supplemental

Disclosure

Cx19898 Broker Loans, including federally

regulated residential

mortgage loan

transactions secured by

first trust deed with

principal of $30,000 or

more, or loans secured by

a junior lien with a

principal amount of

$20,000 or more

Real property CA Bureau of

Real Estate

Licensee

Advisory (10-

17-2015)

Initial

Disclosure

CSO Information

Statement


organization (CSO)

Brokers

An extension of credit for

consumer purposes

Not specified Before

execution of a

contract

between the

CSO and the

buyer

Cal. Civ. Code

§§ 1789.14 &

1789.15

Credit

Services Act

of 1984

Partial Statutory

Initial

Disclosure

CSO Contract UR A credit services

organization (CSO)

Brokers

An extension of credit for

consumer purposes

Not specified Not specified,

but practically

before any

services are

performed

Cal. Civ. Code

§ 1789.16

Credit

Services Act

of 1984

Partial Statutory

Initial

Disclosure

CA Processing-

Underwriting

Disclosure

UR A licensee under the



Both






to finance the


family dwelling



structure

As soon as

practical, but

prior to loan

closing

Cal. Fin. Code

§ 50129(a)(2)

California

Residential

Mortgage

Lending Act

No

http://leginfo.legislature.ca.gov/faces/codes_displayText.xhtml?lawCode=CIV&division=3.&title=1.6E.&part=4.&chapter=&article=






Proper Name

of Disclosure

Generic Cx

Number

License Type



Requirement

Legal

Reference

Specific

Language

Required

Adverse Action Statement of

Credit Denial,

Termination or

Charge

Cx15858

(Federal)

Either: (1) a user of a

consumer credit report

(i.e. a credit grantor);

(2) a creditor; or (3) a

financial institution,

including a bank,

savings and loan

association, or public

agency

Both

Either: (1) a credit for

personal, family, or

household purposes; or (2)

financial assistance,



loans or contracts,



secured loans, and



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






for a secured home

improvement loan

Within 30 days

of taking

action on an

application

Cal. Civ. Code

§§ 1785.20 &

1787.2 ; Cal.

Health &

Safety Code §

35810

Cal. Code

Regs. tit. 21, §

7114.2

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

Initial

Disclosure &

Closing

CA Earthquake

Insurance for

Condominiums

Disclosure

Cx998 A lender originating

the loan.

Both

A loan secured by a

borrower’s separate

interest in a condominium

project which requires

earthquake insurance or

imposes a fee or any other

condition in lieu thereof

A condominium project. As soon as

reasonably

practical

Cal. Civ. Code

§ 2955.1

No

http://leginfo.legislature.ca.gov/faces/codes_displayText.xhtml?lawCode=CIV&division=3.&title=1.6.&part=4.&chapter=3.&article=

http://leginfo.legislature.ca.gov/faces/codes_displayText.xhtml?lawCode=CIV&division=3.&title=1.6B.&part=4.&chapter=&article=1.


https://govt.westlaw.com/calregs/Document/IF39BA6B0D45011DEB97CF67CD0B99467?viewType=FullText&originationContext=documenttoc&transitionType=CategoryPageItem&contextData=(sc.Default)





Proper Name

of Disclosure

Generic Cx

Number

License Type



Requirement

Legal

Reference

Specific

Language

Required

Initial

Disclosure &

Closing

CA Credit Score

Disclosure

Cx2112 Either: (1) a consumer

credit reporting

agency; or (2) 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

§§

1785.15.1(a)

&

1785.20.2(a)

Consumer

Credit

Reporting

Agencies Act

No

Initial

Disclosure &

Closing

CA Credit Score

Notice

Cx2114 Any person who makes

or arranges loans.

Both

A closed end loan or the

establishment of an open

end loan for a consumer

purpose

1- to 4- units of residential

real property

As soon as

reasonably

practical

Cal. Civ. Code

§ 1785.20.2(d)

Consumer

Credit

Reporting

Agencies Act

Statutory

Initial

Disclosure &

Closing

CA Insurance

Disclosure

Cx2350 Either: (1) a lender; (2)

a person engaged in

the business of

financing the purchase

of real property or

lending money on the

security of real

property; (3) not

specified

Both

Either: (1) a loan secured

by real property; or (2) a

financed purchase or a

loan of money

Either: (1) real property

upon which buildings or

structures are attached; or

(2) not specified

As soon as

practical, but

before

execution of

any note or

security

documents

Cal. Civ. Code

§ 2955.5(a) &

(b); Cal. Ins.

Code §§ 770

& 772; Cal.

Code Regs.

tit. 10, § 1492

No






http://leginfo.legislature.ca.gov/faces/codes_displayText.xhtml?lawCode=INS&division=1.&title=&part=2.&chapter=1.&article=5.5.

http://leginfo.legislature.ca.gov/faces/codes_displayText.xhtml?lawCode=INS&division=1.&title=&part=2.&chapter=1.&article=5.5.

https://govt.westlaw.com/calregs/Document/I609772002BCF11E4A6D6D3F1F2EE3B20?viewType=FullText&originationContext=documenttoc&transitionType=CategoryPageItem&contextData=(sc.Default)



Proper Name

of Disclosure

Generic Cx

Number

License Type



Requirement

Legal

Reference

Specific

Language

Required

Initial

Disclosure,

Processing,

Underwriting,

and Closing

NMLS Unique

Identifier

Disclosed on

1003 Uniform

Residential Loan

Application

On Cx4193

(FNMA/FHLMC)

Either: (1) a licensed

mortgage loan

originator under the


Law; or (2) a licensed

mortgage loan

originator under the


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


mortgage loan (as defined

in 24 CFR § 3500.2) or a

loan made to finance


family dwelling

Either: (1) a 1-to-4-unit

dwelling (as defined in

Section 103[w] of TILA) or

residential real estate

upon which is (or is

intended to be)

constructed a dwelling; or

(2) residential real


dwelling

On the

application

Cal. Fin. Code

§§ 22347 &

50209; Cal.

Code Regs.

tit. 10, §§

1433(d) &

1950.209(a)

California

Financing

Law and

California

Residential

Mortgage

Loan Act

FNMA 1003 Form

- Uniform

Residential Loan

Application

Initial

Disclosure &

Closing

Automated

Valuation Model

Notice

Cx11978

A licensee under the


Law

Both

A consumer loan secured

by real property (of $5,000

or more), but excluding a




company

Real property, but

excluding property owned

by the licensee

No later than

15 days after

receipt of the

written loan

application

Cal. Fin. Code

§ 22317.2

California

Financing

Law

Partial Statutory





https://govt.westlaw.com/calregs/Document/I5C5B4EF02BCF11E4A6D6D3F1F2EE3B20?viewType=FullText&originationContext=documenttoc&transitionType=CategoryPageItem&contextData=(sc.Default)

https://govt.westlaw.com/calregs/Document/I839656902BCF11E4A6D6D3F1F2EE3B20?viewType=FullText&originationContext=documenttoc&transitionType=CategoryPageItem&contextData=(sc.Default)








Proper Name

of Disclosure

Generic Cx

Number

License Type



Requirement

Legal

Reference

Specific

Language

Required

Initial

Disclosure &

Closing

CA Notice of

Right to Receive

Copy of

Appraisal Report

Cx18023 A lender

Both

A loan transaction, but not

a loan modification, if the

lender has not charged for

the appraisal

Real property, including


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

Real Estate

Appraisers’

Licensing and

Certification

Law

12 CFR Pt. 202,

App. C; Form C-9

Closing CA Deed of

Trust, CA Deed

of Trust FHA, &

CA ARM Notice

Addendum

Cx312, Cx365,

& Cx17110

A lender, but

practically only

applying to a licensee


Real Estate Law (Cal.

Bus. & Prof. Code §§

10000 through 10580)

Both

A purchase or

construction loan

Real property containing

(or which will be

constructed) 1-to-4

residential units

With the note

and security

instrument

Cal. Civ. Code

§ 1916.5

Usury Law

Partial Statutory

http://leginfo.legislature.ca.gov/faces/codes_displayText.xhtml?lawCode=BPC&division=4.&title=&part=3.&chapter=9.&article=

http://www.gpo.gov/fdsys/browse/collectionCfr.action?collectionCode=CFR&searchPath=Title+12%2FChapter+II%2FSubchapter+A%2FPart+202&oldPath=Title+12%2FChapter+II%2FSubchapter+A&isCollapsed=true&selectedYearFrom=2013&ycord=840



http://leginfo.legislature.ca.gov/faces/codes_displayText.xhtml?lawCode=CIV&division=3.&title=4.&part=4.&chapter=3.&article=



Proper Name

of Disclosure

Generic Cx

Number

License Type



Requirement

Legal

Reference

Specific

Language

Required

Closing CA Per Diem

Interest

Disclosure

Cx878 Either: (1) a lender; or

(2) a licensee under the



Both

Either: (1) a promissory

note secured by a

mortgage or deed of trust;

or (2) a residential

mortgage loan, which is


mortgage loan (as defined

in 24 CFR § 3500.2) or a

loan made to finance the


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


dwelling

Prior to

placing funds

in escrow

Cal. Civ. Code

§ 2948.5(b);

Cal. Fin. Code

§ 50204(o)

California

Residential

Mortgage

Lending Act

No





Proper Name

of Disclosure

Generic Cx

Number

License Type



Requirement

Legal

Reference

Specific

Language

Required

Closing CA 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


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 specified At the time

the loan is

made

Cal. Fin. Code

§ 18231; Cal.

Code Regs.

tit. 10, §

40.600

Industrial

Loan Law

12 CFR Pt. 1024,

App. A

Closing CA Notice to

Cosigner

Cx886 A creditor

Both

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

Statutory


https://govt.westlaw.com/calregs/Document/IDD88B440D48B11DEBC02831C6D6C108E?viewType=FullText&originationContext=documenttoc&transitionType=CategoryPageItem&contextData=(sc.Default)


http://leginfo.legislature.ca.gov/faces/codes_displayText.xhtml?lawCode=CIV&division=3.&title=1.85.&part=4.&chapter=&article=





Proper Name

of Disclosure

Generic Cx

Number

License Type



Requirement

Legal

Reference

Specific

Language

Required

Closing CA Mortgage

Guaranty

Insurance

Cancellation

Disclosure

Cx999 or

Cx17040

A lender or person

making or arranging

the loan

Both

A loan secured by a deed

of trust or mortgage, but

not any mortgage funded

with bond proceeds

issued under an indenture

requiring insurance for the

life of the loan, nor loans

insured by the FHA or VA

Real property No later than

30 days after

the close of

escrow

Cal. Civ. Code

§ 2954.6

No

Closing CA Impound

Account

Statement

Cx1231 A lender

Both

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)

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 deed of

trust or

mortgage, but

prior to a

recordation of

default

Cal. Civ. Code

§ 2924b(a)

Statutory






Proper Name

of Disclosure

Generic Cx

Number

License Type



Requirement

Legal

Reference

Specific

Language

Required

Closing FACT Act Notice On Cx4387

(Federal)

A creditor

Both

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)

Consumer

Credit

Reporting

Agencies Act

Statutory

Closing CA Financing

Law Statement

of Loan –

Finance Lenders

Cx14027 A licensed finance

lender under the


Law

Both

Either: (1) consumer loans

(of $5,000 or more); or (2)

amortizing consumer

loans (of less than $5,000)

Not including a




company

Real property At the time

the loan is

made

Cal. Fin. Code

§§ 22337 &

22400(b); Cal.

Code Regs.

tit. 10, § 1454

California

Financing

Law

Partial

Administrative

http://leginfo.legislature.ca.gov/faces/codes_displayText.xhtml?lawCode=CIV&division=3.&title=1.6.&part=4.&chapter=3.5.&article=

http://leginfo.legislature.ca.gov/faces/codes_displayText.xhtml?lawCode=CIV&division=3.&title=1.6.&part=4.&chapter=3.5.&article=



https://govt.westlaw.com/calregs/Document/I5E3761F02BCF11E4A6D6D3F1F2EE3B20?viewType=FullText&originationContext=documenttoc&transitionType=CategoryPageItem&contextData=(sc.Default)



Proper Name

of Disclosure

Generic Cx

Number

License Type



Requirement

Legal

Reference

Specific

Language

Required

Closing CA Credit

Disability Claim

Procedure

Cx15326 (upon

request)

A creditor who directly

arranges or

participates in the sale

or receives

compensation for the

sale of credit disability

insurance

Both

A credit transaction

(including an open line of

credit) which is either (1)

of less than 10 years’

duration; or (2) of more

than 10 years’ duration,

the principal purpose of

which is for the

construction,

rehabilitation, or

improvement of real

property consisting of 1-

to-4 residential units

Not specified At the time

the creditor

sells credit

disability

insurance

coverage

Cal. Civ. Code

§

1812.402(f)(1)

Statutory

Closing CA Important

Privacy Choices

for Consumers

Cx16539 (upon

request)

A financial institution

Both

A financial product or

service


but must be

given annually

Cal. Fin. Code

§§ 4052.5,

4053, &

4054.6(c)

California

Financial

Information

Privacy Act

Statutory

Closing

CA Exemption

Recording Sheet


Both

Not specified, but

practically any loan that

involves real property


recording

Cal.Gov.Code

§ 27388.1

Model Form






https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=GOV&sectionNum=27388.1.

https://arcc.sdcounty.ca.gov/Documents/SB2-Atkins.pdf



Colorado (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type


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)

Uniform

Consumer Credit

Code

Statutory

Initial Disclosure CO Consumer

Caution Notice

Cx2750 A lender or mortgage

broker

Both

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)

Uniform

Consumer Credit

Code

Statutory

http://www.sos.state.co.us/CCR/Welcome.do






Proper Name of

Disclosure

Generic Cx

Number

License Type



Required


Insurance

Disclosure

Cx2778 Either: (1) a financial

institution licensed

under the Colorado

Producer Licensing

Model Act; (2) a person

who lends money or

extends credit, enters

into a lease

transaction, or a

renewal of any of

these; (3) a lender

Both

Either: (1) a loan

of money or an

extension of

credit; (2) a loan

secured by real

property

Property,

particularly real

property

Not specified Colo. Rev. Stat.

Ann. §§ 10-2-602,

10-3-1105 & 10-

4-114

Colorado

Producer

Licensing Model

Act

No


Credit

Transaction

Disclosure

Cx3584 A creditor

Lenders

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

& 5-18-107

Uniform

Consumer Credit

Code and

Colorado

Consumer Credit

Reporting Act

Partial Statutory





http://leg.colorado.gov/colorado-revised-statutes

http://leg.colorado.gov/colorado-revised-statutes



Proper Name of

Disclosure

Generic Cx

Number

License Type



Required

Initial Disclosure CO Reasons for

Loan


Mortgage Loan

Originator Licensing

and Mortgage

Company Registration

Act

Both

A transaction,

presumably a

residential

mortgage loan

A dwelling or

residential real

estate upon

which is (or is

intended to be)

constructed a 1-

to-4 family unit

dwelling (as

defined in 15

USCA § 1602[v])

Before recommending

an appropriate

mortgage product

4 Colo. Code

Regs. § 725-

3:5.7(B)

Mortgage Loan

Originator

Licensing and

Mortgage

Company

Registration Act

No

Initial Disclosure CO Lock-In

Disclosure

Cx13134 Mortgage Loan

Originator

Both

A transaction,

presumably a

residential

mortgage loan

A dwelling or

residential real

estate upon

which is (or is

intended to be)

constructed a 1-

to-4 family unit

dwelling (as

defined in 15

USCA § 1602[v])

Within 3 business days

from application

4 Colo. Code

Regs. Pt. §725-3

Lock-in disclosure

Initial Disclosure Addendum to

Loan Application


Both

Not specified Not specified Not specified, but

practically at

application

Colo. Rev. Stat.

Ann. § 15-22-

105(3)(a)

Colorado

Designated

Beneficiary

Agreement Act

No

http://www.sos.state.co.us/CCR/DisplayRule.do?action=ruleinfo&ruleId=2915&deptID=18&agencyID=98&deptName=700%20Department%20of%20Regulatory%20Agencies&agencyName=725%20Division%20of%20Real%20Estate&seriesNum=4%20CCR%20725-3


https://www.sos.state.co.us/CCR/KeywordSearch.do

https://www.colorado.gov/pacific/dora/mortgage-loan-originator-industry-forms





Proper Name of

Disclosure

Generic Cx

Number

License Type



Required

Initial Disclosure CO Dual Status

Disclosure


Colorado Mortgage

Loan Originator

Licensing and

Mortgage Company

Registration Act who

also acts as a real

estate broker or

salesperson.

Both

Residential

mortgage loans

A dwelling or

residential real

estate upon

which is (or is

intended to be)

constructed 1-

to-4 family

dwelling units


after receipt of a loan

application or any

moneys from a

borrower

Colo. Rev. Stat.

Ann. § 12-61-

912; 4 Colo.

Code Regs. §

725-3:5.22

Colorado

Mortgage Loan

Originator

Licensing and

Mortgage

Company

Registration Act

Dual Status

Disclosure

Initial Disclosure Good Faith

Estimate 01-01-

10

Cx14221

(Federal)

A person who is

regularly engaged in

the making of certain

loans

Both

A loan secured

by a security

instrument, but

in the case of

certain entities,

only first liens of

such loans

A 1-to-4 family

dwelling

No less than 3

business days after

receipt of the loan

application

Colo. Rev. Stat.

Ann. § 38-40-102

12 CFR Pt. 1024,

App. C

Initial Disclosure Cost of Insurance

Disclosure

Cx16488 The creditor

Lenders

A consumer

credit transaction

(consumer loan)

Land Not specified Colo. Rev. Stat.

Ann. § 5-2-202(3)

Uniform

Consumer Credit

Code – Finance

Charges and

Related

Provisions

No




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

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






Proper Name of

Disclosure

Generic Cx

Number

License Type



Required

Initial Disclosure CO Commitment

Agreement


loan originator,

licensed under the

Colorado Mortgage

Loan Originator

Licensing and

Mortgage Company

Registration Act; (2) a

creditor; or (3) a lender

Both

Either: (1) a

residential

mortgage loan;

(2) an extension

of credit of a

principal amount

exceeding

$25,000; or (3) a

loan secured by a

mortgage or

deed of trust, but

in the case of

certain entities,

only first liens of

such loans.

Either: (1) a

dwelling (as

defined in TILA)

or residential real

estate upon

which is (or is

intended to be)

constructed a 1-

to-4 family unit

dwelling; (2) not

specified; or (3) a

1-to-4 family

dwelling


Ann. §§ 12-61-

915, 38-10-124,

& 38-40-102(1)

Colorado

Mortgage Loan

Originator

Licensing and

Mortgage

Company

Registration Act

and Statute of

Frauds

No


Credit Insurance

Disclosure

Cx17940 (upon

request)

A creditor who requires

consumer credit

insurance

Lenders

A consumer

credit transaction

(consumer loan)

Land Not specified Colo. Rev. Stat.

Ann. §§ 5-4-109

& 10-10-113

Uniform

Consumer Credit

Code – Insurance

and Credit

Insurance Act

No









Proper Name of

Disclosure

Generic Cx

Number

License Type



Required

Initial Disclosure CO Financial

Institutions

Insurance

Disclosure

Cx17941 (upon

request)

A financial institution,

which offers,

recommends,

sponsors, or sells

insurance (or on whose

premises such actions

occur)

Both


practically before the

insurance is purchased

Colo. Rev. Stat.

Ann. § 10-2-604

Colorado

Producer

Licensing Model

Act

No

Initial Disclosure CO Truncated

Coverage

Disclosure

UR A creditor

Lenders

A credit

transaction

Not specified When a debtor elects

truncated insurance

coverage

Colo. Rev. Stat.

Ann. § 10-10-

119(1)

Credit Insurance

Act

No


Statement


organization (CSO)

Brokers

An extension of

credit for

consumer

purposes

Not specified Before execution of a

contract between the

CSO and the buyer or

before receipt by the

CSO of any

consideration,

whichever comes first

Colo. Rev. Stat.

Ann. §§ 5-19-105

& 5-19-106

Colorado Credit

Services

Organization Act

Partial Statutory


organization (CSO)

Brokers

An extension of

credit for

consumer

purposes

Not specified Not specified Colo. Rev. Stat.

Ann. § 15-19-107

Colorado Credit

Services

Organization Act

Partial Statutory




https://law.justia.com/codes/colorado/2017/title-5/debt-management/article-19/part-1/section-5-19-105/





Proper Name of

Disclosure

Generic Cx

Number

License Type



Required

Initial Disclosure,

TILA Redisclosure,

& Closing

Federal Truth-in-

Lending

Disclosure

Cx18 (Federal),

Cx1591

(Federal), and

others

A mortgage loan

originator

Both

A residential

mortgage loan

A dwelling or

residential real

estate upon

which is (or is

intended to be)

constructed a 1-

to-4 family unit

dwelling (as

defined in 15

USCA 1602[v] of

TILA]



application or any

moneys from a

borrower

4 Colo. Code

Regs. §§ 725-

3:5.13 & 725-

3:5.14

Mortgage Loan

Originator

Licensing and

Mortgage

Company

Registration Act

12 CFR Pt. 1026,

App. H

Initial Disclosure,

TILA Redisclosure,

& Closing

All Disclosures

Required Under

the Truth-in-

Lending Act

Cx18, Cx1591,

Cx13457, and

others (all

Federal)

A creditor

Both

A consumer

credit transaction

(a consumer

loan)

Land At various times Colo. Rev. Stat.

Ann. § 5-3-101(2)

& (3)

Uniform

Consumer Credit

Code

12 CFR Pt. 1026,

App. G & H


Closing

CO Refinance

Disclosure

Cx993 A lender

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


Ann. §§ 5-1-

301(26)(c) & 5-5-

112

Uniform

Consumer Credit

Code and

Uniform

Consumer Credit

Code – Remedies

and Penalties

No
















Proper Name of

Disclosure

Generic Cx

Number

License Type



Required


Closing

CO Disburser’s

Notice

Cx3760 The disburser (any

lender who has agreed

to make any loan to

the owner or

contractor)

A loan,

presumably

consisting of a

mechanic’s lien

A structure Prior to the first

disbursement

Colo. Rev. Stat.

Ann. § 38-22-

126(2)

No

Initial Disclosure,

Processing,

Underwriting, and

Closing

NMLS Unique

Identifier

Disclosed on

1003 Uniform

Residential Loan

Application

On Cx4193

(FNMA/FHLMC)

A licensee or registrant

under the Mortgage

Loan Originator

Licensing and

Mortgage Company

Registration Act

(includes mortgage

loan originators and

mortgage companies)

Both

A residential

mortgage loan

A dwelling or

residential real

estate upon

which is (or is

intended to be)

constructed a 1-

to-4 family unit

dwelling (as

defined in 15

USCA § 1602[v])

On the application Colo. Rev. Stat.

Ann. § 12-61-918

Mortgage Loan

Originator

Licensing and

Mortgage

Company

Registration Act

FNMA 1003 Form -

Uniform

Residential Loan

Application










Proper Name of

Disclosure

Generic Cx

Number

License Type



Required

Initial Disclosure,

Processing,

Underwriting, &

Closing

Uniform

Residential Loan

Application

Disclosure & CO

Tangible Net

Benefit Disclosure

Cx4193

(FNMA/FHLMC)

& Cx12873

Either: (1) a lender or

assignee; or (2) a

mortgage loan

originator (including a

mortgage broker)

licensed under the

Mortgage Loan


and Mortgage

Company Registration

Act

Both

Either: (1) a

covered loan

which refinances

another covered

loan; or (2) a

residential

mortgage loan

Either: (1) an

interest in land,

which should

also be the

consumer’s

principal

dwelling; or (2) a

dwelling or

residential real

estate upon

which is (or is

intended to be)

constructed a 1-

to-4 family unit

dwelling (as

defined in 15

USCA 1602[v])

Before recommending

an appropriate

mortgage product

Colo. Rev. Stat.

Ann. §§ 5-3.5-

103(1)(c), 12-61-

904.5, 38-40-

105(1.7(a)(II) ; 4

Colo. Code Regs.

§§ 725-3:5.6,

725-3:5.7(A), &

725-3:5.8

Uniform

Consumer Credit

Code and

Mortgage Loan

Originator

Licensing and

Mortgage

Company

Registration Act

FNMA 1003 Form -

Uniform

Residential Loan

Application

Tangible Net

Benefit Disclosure


Closing

Good Faith

Estimate 01-01-

10, HUD-1 01-01-

10, Itemization of

Amount Financed

01-01-10

Cx14221,

Cx14222, &

14224 (all

Federal)

A mortgage loan

originator (aka a

licensee under the

Colorado Mortgage

Loan Originator

Licensing and

Mortgage Company

Registration Act)

Both

Residential

mortgage loans

A dwelling (as

defined in 15

USCA § 1602[v])

or residential real

estate upon

which is, or is

intended to be,

constructed 1-

to-4 family

dwelling units



application or any

moneys from a

borrower

Colo. Rev. Stat.

Ann. § 12-61-

914(1); 4 Colo.

Code Regs. §§

725-3:5.15 &

725-3:5.17

Mortgage Loan

Originator

Licensing and

Mortgage

Company

Registration Act

12 CFR Pt. 1024

App. A & C

12 CFR Pt. 1026,

App. H; Form H-3














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

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










Proper Name of

Disclosure

Generic Cx

Number

License Type



Required


Closing

Good Faith

Estimate 01-01-

10, HUD-1 01-01-

10, CO

Explanation of

Fee Increase

Cx14221

(Federal) and

Cx14222

(Federal), or

Cx14439 (upon

request)


Colorado Mortgage

Loan Originator

Licensing and

Mortgage Company

Registration Act

Both

Residential

mortgage loans

A dwelling (as

defined in 15

USCA § 1602[v])

or residential real

estate upon

which is, or is

intended to be,

constructed 1-

to-4 family

dwelling units

At least 3 business

days prior to the

signing of the loan

closing documents

4 Colo. Code

Regs. §§ 725-

3:5.13 & 725-

3:5.16

Colorado

Mortgage Loan

Originator

Licensing and

Mortgage

Company

Registration Act

12 CFR Pt. 1024,

App. A & C

Closing All Promissory

Notes and/or

Security

Instruments

Cx5

(FNMA/FHLMC),

Cx313

(FNMA/FHLMC),

Cx366 (FHA),

Cx472, Cx1361,

and others

A creditor

Both

A consumer

credit transaction

(a consumer

loan)

Land Not specified, but

practically at or before

the time credit is

extended

Colo. Rev. Stat.

Ann. § 5-3-108

Uniform

Consumer Credit

Code

FNMA Form 3200 –

Multistate Fixed-

Rate Note

FNMA Form 3006 -

Colorado

FHA Single Family

Handbook 4155.2

ch. 12.A

Closing CO Notice to

Cosigners

Cx994 Not specified

Both

Consumer credit

transaction (a

consumer loan)

Land Before or

contemporaneously

with signing any

agreement of

obligation or any

writing setting forth

the terms of the

agreement

Colo. Rev. Stat.

Ann. § 5-3-105

Uniform

Consumer Credit

Code

12 CFR §§ 227.14 &

16 CFR § 444.3











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


http://portal.hud.gov/hudportal/HUD?src=/program_offices/administration/hudclips/handbooks/hsgh/4155.2


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=2013&ycord=1320

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=2013&ycord=987



Proper Name of

Disclosure

Generic Cx

Number

License Type



Required

Closing CO Balloon Note

Disclosure

Cx2793 A creditor Consumer credit

transaction (a

consumer loan)

Land At the time the

transaction is entered

into

Colo. Rev. Stat.

Ann. § 5-3-208

Uniform

Consumer Credit

Code

No

Closing Notice of

Servicing Transfer

Cx17905

(Federal)

Not specified, but

practically a creditor

Both

A consumer

credit transaction

(a consumer

loan)


practically when an

assignment of rights is

made

Colo. Rev. Stat.

Ann. § 5-3-102 .

Uniform

Consumer Credit

Code

12 CFR Pt. 1024,

App. MS-2







Connecticut (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure CT Private Mortgage

Insurance Disclosure

Cx1029 Mortgage lenders

Both

First 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)

No

Initial Disclosure CT 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)

Statutory


Insurance


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)

No

Initial Disclosure CT Agreement

Concerning

Nonrefundability of

Advance Fees

Cx3751 A mortgage lender,

correspondent lender, or

mortgage broker,

licensed under Chapter

668, Title 36A of

Connecticut’s General

Statutes.

Both

Residential

mortgage loans

A dwelling (as

defined in 15

USCA § 1602), or

residential real

estate which is

or will contain

such a dwelling.

Prior to the

payment of any

advance fee

Conn. Gen. Stat.

Ann. § 36a-

498(c)

Partial Statutory

http://www.cga.ct.gov/2011/pub/chap669.htm#Sec36a-726.htm


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

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



http://www.gpo.gov/fdsys/browse/collectionUScode.action?collectionCode=USCODE&searchPath=Title+15%2FChapter+41%2FSubchapter+I%2FPart+A&oldPath=Title+15%2FChapter+41%2FSUBCHAPTER+I&isCollapsed=true&selectedYearFrom=2013&ycord=2429





Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure CT Notice of Right to

Receive Copy of

Appraisal

Cx3752 A financial institution

Both

Mortgage loan 1-to-4 family

residential real

property,

including a

condo

No later than 10

days after

receipt of an

appraisal report,

but before

consummation

Conn. Gen. Stat.

Ann. § 36a-

755(b) & (c)

No

Initial Disclosure CT Disclosure

Regarding Legal

Representation

Cx3753 A creditor

Both

A first lien

mortgage loan

1-to-4 family

residential real

property

When an

application is

filed

Conn. Gen. Stat.

Ann. § 49-6d

No

Initial Disclosure CT Interim Financing

Disclosure

Cx3754 A creditor who has a

policy of not offering

interim financing

Lenders

A first lien

mortgage loan

1-to-4 family

residential real

property

At the time when

an application is

filed

Conn. Gen. Stat.

Ann. § 49-6a(b)

No

Initial Disclosure CT High Cost Home

Loan Disclosure

Cx13002 A lender ((i.e. any person

who originates one or

more high cost home

loans)

Both

A high cost

home loan

1-to-4 family

residential real

property that is

(or is intended

to be) occupied

by the borrower

as a principal

residence

Not specified,

but practically

before

consummation

Conn. Gen. Stat.

Ann. § 36a-746b

Connecticut

Abusive Home

Loan Lending

Practices Act

Partial Statutory

Initial Disclosure Addendum to Loan

Application


Both

Not specified Not specified Not specified,

but practically at

application

Kerrigan v.

Commissioner of

Public Health,

957 A.2d 407

(Conn. 2008)

No



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

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

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

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



Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

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)

No

Initial Disclosure CT Higher Interest

Rate In Lieu of PMI

Disclosure

Cx14798 A mortgage lender

Both

A first mortgage

loan, made to an

individual,

wherein the

interest rate

exceeds an 80%

LTV ratio

1-to-4 family

residential,

owner-occupied

real property

At the time the

application is

filed

Conn. Gen. Stat.

Ann. § 36a-

726(b)

No

Initial Disclosure Tangible Net Benefit

Worksheet

Cx15773 (upon

request)

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)

Connecticut

Abusive Home

Loan Lending

Practices Act

No

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.cga.ct.gov/2011/pub/chap669.htm#Sec36a-760d.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/chap669.htm#Sec36a-760g.htm

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



Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure CT Mortgage Rate

Lock-In Confirmation

Cx15855 A mortgage lender or

correspondent lender

licensed under Conn.

Gen. Stat. Ann. §§36a-485

to 36a-498a.

Lenders

A first mortgage

loan

A dwelling or

residential real

estate upon

which is, or will

be, a dwelling

(defined in 15

USCA § 1602)

Before the

lender commits

to making a loan

at a specified

rate within a

specified period

of time.

Conn. Gen. Stat.

Ann. §§ 36a-

705(4) & 36a-

706(a)

No

Adverse Action Addendum to

Statement of Credit

Denial, Termination,

or Change

Cx15905 Financial institutions

Both

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)

Home Mortgage

Disclosure Act

Statutory

Initial Disclosure,

Processing,

Underwriting, &

Closing

NMLS Unique


on 1003 Uniform

Residential Loan

Application

On Cx4193

(FNMA/FHLMC)

A mortgage loan

originator, loan

processor, or underwriter

Both

A residential

mortgage loan

A dwelling or

residential real

estate upon

which is, or will

be, a dwelling

(defined in 15

USCA §1602)

At application Conn. Gen. Stat.

Ann. § 36a-498d

FNMA 1003 Form -

Uniform

Residential Loan

Application

Closing CT Tax Bill

Authorization

CX1842 Not specified

Both

A residential

mortgage loan

Not specified At closing Customarily

given

Conn. Gen. Stat.

Ann. § 12-39n(8)

& 49-2

No





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

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






https://www.cga.ct.gov/current/pub/chap_202.htm#sec_12-39n

https://www.cga.ct.gov/2017/pub/chap_846.htm#sec_49-2



Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

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)

Statutory

Closing CT Fair Housing

Notice

Cx20625 Any person who offers

residential property for

rent or lease or sale

A residential

property

2 or more units At closing Conn. Gen. Stat.

Ann. § 20-327h

Fair Housing

Notice


Delaware (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure DE Broker

Agreement

Cx3583 A mortgage broker,

acting as such, licensed

under Chapter 21, Title

5 (Del. Code Ann. §§

2101 through 2119)

Brokers


residential,

owner-occupied

property

Prior to the time

that brokerage

services are

provided

Del. Code Ann. tit.

5, § 2113; 5 Del.

Admin. Code §§

2102-1.2.7, 2103-

2.0 & 6.0, 2104,

and 2203-6.0

Partial

Administrative


Insurance

Cx3750 Either: (1) a person; or

(2) a mortgagee or

obligee

Both

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)

No

http://www.cga.ct.gov/2011/pub/chap846.htm#Sec49-10b.htm

http://www.ct.gov/chro/lib/chro/PA_16_16.pdf

http://www.ct.gov/chro/lib/chro/PA_16_16.pdf

http://delcode.delaware.gov/title5/c021/index.shtml#2113

http://regulations.delaware.gov/AdminCode/title5/2100/2102.shtml#TopOfPage









Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required


Loan Application


Both


practically at

application

Del. Code Ann. tit.

13, § 212(a)

No


Estimate 01-01-10

Cx14221

(Federal)




2101 through 2119); or

(2) a licensee under

Chapter 22, Title 5 (Del.

Code Ann. §§ 2201

through 2213A)

Both

Either: (1) an

extension of

credit; or (2) a

consumer credit

transaction

Includes, but is

not limited to, a

1-to-4 family

residential owner-

occupied

property, which is

less than 25 acres

in size

When an

application is

made

5 Del. Admin.

Code §§ 2103-1.2

& 2203-1.2

12 CFR Pt. 1024,

App. C

Initial Disclosure DE Mortgage

Loan Commitment

Letter

Cx15752 A qualified lender

Both

A mortgage loan A 1-to-4 family

residential,

owner-occupied

property

Before a

mortgage broker

licensed under

Chapter 21, Title 5

receives an

application fee or

any bona fide

third party fees

Del. Code Ann. tit.

5, § 2115 ; 5 Del.

Admin. Code §§

2102-1.3.3, 2103-

3.0 & 4.0, and

2203-2.0

No

Initial Disclosure DE Lock-in

Agreement

Cx18557 Either: (1) a licensee






Code Ann. §§ 2201

through 2213A)

Both

Either: (1) an

extension of

credit; or (2) a

consumer credit

transaction

Includes, but is

not limited to, a

1-to-4 family

residential owner-

occupied

property, which is

less than 25 acres

in size

Not specified, but

practically before

a written

commitment is

issued

5 Del. Admin.

Code §§ 2103-

3.1.3 & 2203-5.1

No










http://regulations.delaware.gov/AdminCode/title5/2200/2203%20.shtml#TopOfPage



http://regulations.delaware.gov/AdminCode/title5/2200/2203%20.shtml#TopOfPage



Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required


Statement


organization (CSO)

Brokers

An extension of

credit for

consumer

purposes


of a contract

between the CSO

and the buyer or

before receipt by

the CSO of any

consideration

Del. Code Ann. tit.

6, § 2406

No


organization (CSO)

Brokers

An extension of

credit for

consumer

purposes

Not specified Not specified Del. Code Ann. tit.

6, § 2407

Partial Statutory

Initial Disclosure,

Processing,

Underwriting, &

Closing

NMLS Unique

Identifier

Disclosed on 1003

Uniform

Residential Loan

Application

On Cx4193

(FNMA/FHLMC)



loan

Both

A residential

mortgage loan

A dwelling (as

defined in Section

103[w] of TILA) or

residential real

estate upon which

is (or is intended

to be)

constructed such

a dwelling

On the

application

Del. Code Ann. tit.

5, § 2420; 5 Del.

Admin. Code §§

2101-5.3 & 2201-

8.3

Delaware S.A.F.E.

Mortgage

Licensing Act of

2009

FNMA 1003 Form -

Uniform Residential

Loan Application

Closing HUD-1 01-01-10 Cx14222

(Federal)







Code Ann. §§ 2201

through 2213A)

Both

Either: (1) an

extension of

credit; or (2) a

consumer credit

transaction

Includes, but is

not limited to, a

1-to-4 family

residential owner-

occupied

property, which is

less than 25 acres

in size

At closing 5 Del. Admin.

Code §§ 2102-

1.3.4, 2202-

1.3.4.3, & 2203-

5.0

12 CFR Pt. 1024,

App. A


http://delcode.delaware.gov/title6/c024/index.shtml

http://delcode.delaware.gov/title6/c024/index.shtml

















District of

Columbia (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement

Legal Reference Specific Disclosure

Required


Insurance

Disclosure

Cx2778 A person who lends

money or extends

credit and who solicits

insurance on real

property

Both

A credit extension Real property Not specified D.C. Code Ann. §

31-2231.20(c)

No

Initial Disclosure DC Financing

Agreement


Chapter 11, Title 26

(D.C. Code Ann. §§ 26-

1101 through 26-1121),

but must be executed

by a licensed lender

Both


defined in Section

103[w] of TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling,

specifically a 1-to-

4 family home

At least 72 hours

before the time of

settlement

D.C. Code Ann. §

26-1113(a)

No

http://dc.gov/page/laws-regulations-and-courts



District of


Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure DC Red Flag

Warning

Disclosure Notice

Cx4245 A lender or a mortgage

broker

Both

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; D.C.

Mun. Regs. Tit.

26C, §§ 2005 &

2099

Home Loan

Protection Act of

2002

Administrative

Initial Disclosure DC Disclosure of

Dual Capacity

Cx5072 A mortgage broker


11, Title 26 (§§ 26-1101

through 26-1121) who

is acting in a dual

capacity

Brokers


defined in Section

103[w] of TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

At the time

brokerage

services are first

offered

D.C. Code Ann. §

26-1114(b)(3)

Statutory

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


defined in Section

103[w] of TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

Not specified D.C. Mun. Regs.

tit. 26-C, §§

1117.4, 1117.5, &

1117.6

No




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

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


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




District of


Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure DC Mortgage

Disclosure Form




1101 through 26-1121),

though the disclosure

must be executed by a

licensed lender

Both

A non-

conventional

mortgage loan (a

mortgage loan

that is not a fixed-

rate one with an

amortization

period of less

than 30 years)

A dwelling (as

defined in Section

103[w] of TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

Within 3 business

days of an

application

D.C. Code Ann. §

26-1113(a-1)

Statutory


Loan Application


Both

A mortgage or

deed of trust

Not specified Not specified D.C. Code Ann. §§

15-502 & 46-401

No

Initial Disclosure DC Spanish

Mortgage

Disclosure Form

Cx15561

(Spanish)

A licensee under



1101 through 26-1121),

though the disclosure

must be executed by a

licensed lender

Both

A non-

conventional

mortgage loan (a

mortgage loan

that is not a fixed-

rate one with an

amortization

period of less

than 30 years)

A dwelling (as

defined in Section

103[w] of TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

Within 3 business

days of an

application

D.C. Code Ann. §

26-1113(a-1)(8)(b)

Statutory

(Spanish)






District of


Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required


Disclosure

Cx16488 A lender

Lenders

Either: (1) a

covered loan; or

(2) a loan or

financial

transaction

Either: (1)

residential real

property in which

there is (or is to

be) located a 1-

to-4 family unit

structure which is

(or will be) the

borrower’s

principal dwelling;

or (2) property

At least 3 days

before closing

D.C. Code Ann. §§

26-1152.03 and

28-3311(a)(4) &

(a)(5)

Home Loan

Protection Act of

2002

No


Statement


organization (CSO)

Brokers

An extension of

credit for

consumer

purposes


of a contract

between the CSO

and the consumer

or before receipt

by the CSO of any

consideration,

whichever comes

first

D.C. Code Ann. §

28-4605(a) & (b)

No


organization (CSO)

Brokers

An extension of

credit for

consumer

purposes

Not specified Not specified D.C. Code Ann. §

28-4605(c) & (d)

No







District of


Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

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 lender

Lenders

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)

Home Loan

Protection Act of

2002

12 CFR Pt. 1026,

App. H

Initial Disclosure,

Processing, TILA

Redisclosure,

Underwriting, &

Closing

Various Federal

disclosures used

to fulfill loan

application

disclosure

requirements

Cx1591

(Federal),

Cx4193

(FNMA/FHLMC),

Cx14089

(Federal), and

Cx14221

(Federal)

A licensee under



1101 through 26-1121)

Both


defined in Section

103[w] of TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling,


4 family home

On or with the

application

D.C. Mun. Regs.

tit. 26-C, § 1116

12 CFR Pt. 1024,

App. C

12 CFR Pt. 1026,

App. H

FNMA 1003 Form -

Uniform Residential

Loan Application


Closing

Waiver of 72 Hour

Notice

Cx8268 (upon

request)

A licensee under



1101 through 26-1121)

Both


defined in Section

103[w] of TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling,


4 family home

Prior to execution

of the financing

agreement

D.C. Code Ann. §

26-1113(b)(2)

No











District of


Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required


Closing

DC Nonresident

Borrower

Confirmation

Cx17181 (upon

request)

A lender

Both


property in which

there is (or is to

be) located a 1-

to-4 family unit

structure which is

(or will be) the

borrower’s

principal dwelling

Before a co-

borrower, who

does not own or

reside in the

subject property,

is added to a

covered loan

D.C. Code Ann. §

26-1152.02(a)(4)

Home Loan

Protection Act of

2002

No

Closing DC Escrow

Account

Disclosure

Cx1026 Either: (1) a licensed

mortgage lender under

Chapter 11, Title 26 of

the District’s Code; or

(2) a lender

Either: (1) a

mortgage loan; or

(2) a loan or

financial

transaction. In

either case, the

loan must have

present either a

down payment of

20% of the

purchase price or

the borrower has

an equity interest

of 20% or more of

the fair market

value

Either: (1) a

dwelling (as

defined in Section

103[w] of TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling; or (2)

residential real

property

On the date of

execution of the

loan or financial

transaction

D.C. Code Ann. §§

26-1115(b) & 28-

3301(f)(2)

No






District of


Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Closing HELOC Deed of

Trust – DC


Both

A 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

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 specified

Both

Not specified Real property At the time of

recording

D.C. Mun. Regs.

tit. 9, §§ 335, 337

& 338

District of

Columbia Real

Property Tax

Revision Act of

1974

Form FP 7/C

Form FP7CA

Closing DC Final Financing

Agreement




1101 through 26-1121)

Both


defined in Section

103[w] of TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling,


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);

D.C. Mun. Regs.

tit. 26C, §§ 1117.1,

1117.2, & 1117.3

No



http://www.dcregs.dc.gov/Gateway/RuleHome.aspx?RuleNumber=9-335



http://otr.cfo.dc.gov/node/393182

http://otr.cfo.dc.gov/node/393192








Florida (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure FL Anti-Coercion

Insurance Notice

Cx2834 A person, particularly a

lender

Both

An extension of

credit or a loan

Not specified When negotiations

begin and before

application

Fla. Stat. Ann. §

626.9551(1); Fla.

Admin. Code Ann. r.

69B-124.002, 69B-

124.013, 69O-124.002,

& 69O-124.013

Unfair Insurance Trade

Practices Act

Administrative

Initial Disclosure FL Notice to

Purchaser –

Mortgagor

Cx4131 Agents, employees,

officials of lending, or

other institutions

Both

Not specified,

but practically a

purchase money

loan

Not specified Not specified Fla. Stat. Ann. §

627.798; Fla. Admin.

Code Ann. r. 69O-

186.002

Administrative

http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&Search_String=&URL=0600-0699/0626/Sections/0626.9551.html

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



https://www.flrules.org/gateway/RuleNo.asp?title=ANTI-COERCION&ID=69O-124.002

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


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

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



Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure FL Conflict of

Interest

Disclosure


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[w] of

TILA), residential

real estate upon

which a dwelling

is to be

constructed,

commercial real

property, or

improved real

property

consisting of 5 or

more dwelling

units

Not specified Fla. Stat. Ann. §

494.0023; Fla. Admin.

Code r. 69V-

40.260(2)(f)

No

Initial Disclosure FL Credit Life

Disclosure

Cx7225 A creditor agent or

agent

Lenders

An installment

loan or a home

equity line of

credit

Not specified Before any credit

life insurance may

be sold

Fla. Stat. Ann. §

627.679(1)(c)

No


https://www.flrules.org/gateway/RuleNo.asp?title=MORTGAGE%20BROKERAGE&ID=69V-40.260





Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure FL Interest Rate

Lock Agreement


lender under Part 3 of



494.006 through

494.0077), though the

agreement may be

given via a broker

Both


defined in

Section 103[w] of

TILA), residential

real estate upon

which a dwelling

is to be

constructed,

commercial real

property, or

improved real

property

consisting of 5 or

more dwelling

units

Not specified Fla. Stat. Ann. §

494.0069; Fla. Admin.

Code r. 69V-40.155 &

69V-40.260(2)(d)

No

Initial Disclosure FL Commitment

Letter





494.006 through

494.0077)

Lenders


defined in

Section 103[w] of

TILA), residential

real estate upon

which a dwelling

is to be

constructed,

commercial real

property, or

improved real

property

consisting of 5 or

more dwelling

units

Not specified Fla. Stat. Ann. §§

494.007 & 494.0071;

Fla. Admin. Code r.

69V-40.260(2)(e)

Partial Statutory









Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure FL Depository

Institution

Insurance

Disclosure

UR Federally insured or

state-insured


and credit unions

Both

An extension of

credit

Not specified Prior to the sale of

any insurance

policy, but

generally

excluding private

mortgage

insurance and

credit life and

disability

insurance

Fla. Stat. Ann. §

626.9551(2)(b)

Unfair Insurance Trade

Practices Act

No


Statement


organization (CSO)

Brokers

An extension of

credit for

consumer

purposes

Not specified Upon execution of

a contract

between the CSO

and the consumer

or before receipt

by the CSO of any

consideration,

whichever comes

first

Fla. Stat. Ann. §§

817.702 & 817.703

No


organization (CSO)

Brokers

An extension of

credit for

consumer

purposes

Not specified Not specified Fla. Stat. Ann. §

817.704

Statutory

http://www.leg.state.fl.us/Statutes/index.cfm?App_mode=Display_Statute&Search_String=&URL=0600-0699/0626/Sections/0626.9551.html






Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required


TILA Redisclosure

Itemization of

Amount Financed

01-01-10

Cx14224

(Federal)

A licensed mortgage




494.006 through

494.0077)

Both


defined in

Section 103[w] of

TILA), residential

real estate upon

which a dwelling

is to be

constructed,

commercial real

property, or

improved real

property

consisting of 5 or

more dwelling

units

Within 3 business

days after a

licensee under

Part III, Chapter

494 of Florida’s

Annotated Statues

receives a written

loan application.

Fla, Stat. Ann. §

494.0067(8); Fla.

Admin. Code r. 69V-

40.260(2)(a)

12 CFR Pt. 1026,

App. H; Form H-3

Closing Florida Radon

Gas Notification

Cx9541 (upon

request)

Not specified

Both

Not specified A building At the time of or

prior to contract

for sale and

purchase of any

building.

Fla. Stat. Ann. §

404.056(5)

Florida Radiation

Protection Act

Statutory









Georgia (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required


Insurance

Disclosure

Cx2778 An insurer or agent of

same

Both

A financing of

real property

Real property Not specified Ga. Code Ann. §

33-6-4(b)(11)

Georgia

Insurance Code

No


Attorney


Both

Not specified, but

practically

required only in

connection with

high-cost home

loans.

Not specified, but

practically real

estate upon

which is located a

1-to-4 family,

borrower-

occupied

principal dwelling

Not specified Ga. Code Ann. §

7-6A-2(12)(B) &

(G)(ii)

Georgia Fair

Lending Act

No

Initial Disclosure GA Disclosure of

Net Tangible

Benefit

Cx4235 A creditor

Both

A high-cost home

loan which

refinances a

special home

loan

consummated

with the prior 5

years

Real estate upon

which is located a

1-to-4 family,

borrower-

occupied

principal dwelling


7-6A-4

Georgia Fair

Lending Act

No

http://www.legis.ga.gov/en-US/default.aspx






Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required


Estimate 01-01-10

and

Acknowledgment

of Receipt of GFE

and TIL 01-01-10

Cx14221 &

Cx14600 (both

Federal)

A licensed or

registered lender or

broker under the

Georgia Residential

Mortgage Act

Both


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);

Ga. Comp. R. &

Regs. r. 80-11-1-

.01(6) & (7)

Georgia

Residential

Mortgage Act

12 CFR Pt. 1024,

App. C

Initial Disclosure GA Lock-In

Agreement

Cx15969 (upon

request)

A licensed or

registered lender or

broker under the

Georgia Residential

Mortgage Act

Both


residential

property, which is

the primary

residence of a

natural person,

but does not

include rental

property or

second homes

Not specified Ga. Code Ann. §§

7-1-1000(16), 7-

1-1021, & 13-5-

30(7)

Georgia

Residential

Mortgage Act

No

Initial Disclosure GA Advanced

Fee/Application

Disclosure

Cx2783

Any person, mortgage

lender or broker

required to be licensed

or registered under

Article 13 of the

Financial Institutions

Code of Georgia


residential

property, which is

the primary

residence of a

natural person,

but does not

include rental

property or

second homes

Prior to accepting

an application fee

or any third-party

fee such as a

property

appraisal fee,

credit report fee,

or any other

similar fee

Ga. Code Ann. §§

7-1-1000, et seq.

& 7-1-1014 ; Ga.

Comp. R. & Regs.

r. 80-11-1-.01(1)

& (4)

No


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










Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure,

Pre-closing,

Redisclsoure, &

TILA Redisclosure

GA

Acknowledgment

of receipt

Cx19978 A licensee or registrant

under the Georgia


Act

Both

Either: (1) a

mortgage loan; or

(2) a residential

mortgage loan

Either: (1) a 1-to-

4 family

residential

property that is

the primary

residence of a

natural person; or

(2) A dwelling (as

defined in Section

103[w] of TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling,

consisting of 1-

to-4 units

Before accepting

any application,

property

appraisal, credit

report, or any

other third-party

fee

Ga. Comp. R &

Regs. R. 80-11-1-

1.01

No

Initial Disclosure,

Processing,

Underwriting, &

Closing

NMLS Unique


on 1003 Uniform

Residential Loan

Application

On Cx4193

(FNMA/FHLMC)

A person originating a

residential mortgage

loan

Both

A residential

mortgage loan

A dwelling (as

defined in Section

103[w] of TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling,

consisting of 1-

to-4 units

On the

application

Ga. Code Ann. §

7-1-1004.3

Georgia

Residential

Mortgage Act

FNMA 1003 Form -

Uniform Residential

Loan Application







Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Closing On all Notes and

Georgia Security

Deeds

On Cx5

(FNMA/FHLMC),

all other Notes,

and Cx318

(FNMA/FHLMC),

371 (FHA), 477,

and 1406

Not specified

Both

A high-cost home

loan

Real estate upon

which is located a

1-to-4 family,

borrower-

occupied

principal dwelling


7-6A-5(15)

Georgia Fair

Lending Act

Statutory

FNMA Form 3200 –

Multistate Fixed-

Rate Note

FNMA Form 3011 -

Georgia

Closing GA Affidavit of

Exemption Form

Withholding Seller


Both

A sale or transfer

of real property

of $20,000 or

more.

Real property Not specified Ga. Code Ann. §

48-7-128; Ga.

Comp. R. & Regs.

r. 560-7-8-.34 &

560-7-8-.35

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


residential

property, which is

the primary

residence of a

natural person,

but does not

include rental

property or

second homes

At or before the

time of closing

Ga. Code Ann. §

7-1-1014(3); Ga.

Comp. R. & Regs.

r. 80-11-1-.01(9)

Georgia

Residential

Mortgage Act

Administrative

Closing GA Application for

Homestead Tax

Exemption


Both

Not specified A homestead Not specified Ga. Code Ann. §§

48-5-44 & 48-5-

45

Georgia Public

Revenue Code

Application for

Homestead

Exemption








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

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

http://dor.georgia.gov/documents/aff3-sellers-certificate-exemption








http://dor.georgia.gov/documents/property-tax-application-homestead-exemption





Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Closing GA Fair Market

Property Values

Affidavit

Cx15037 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)

Georgia Public

Revenue Code

No





Hawaii (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required


Insurance

Disclosure

Cx2778 Every person who lends

money or extends


insurance.

Both

A loan of money

or an extension of

credit

Not specified Not specified Haw. Rev. Stat.

Ann. § 431:13-

104(c)

Insurance Code

No


Loan Application


Both


practically at

application

Haw. Rev. Stat. §

572B-9

No

Initial Disclosure HI 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

Statutory

Initial Disclosure HI Commitment

Agreement

Cx18836 (upon

request)

A lender

Lenders

A loan or

extension of

credit

Not specified Before soliciting

insurance

Haw. Rev. Stat. §

431:13-104(b)(1)

Insurance Code

No

Initial Disclosure HI Credit Life

Insurance

18837 (upon

request)

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

Insurance Code

No

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


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

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


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


Hawaii (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure,

TILA Redisclosure,

& Closing

Initial and Closing

Truth-in-Lending

Disclosures

Cx18 (Federal)

& Cx1591

(Federal)

Either: (1) a financial

services loan company;

or (2) a creditor

Both

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)

12 CFR Pt. 1026,

App. H; Form H-2

Initial Disclosure,

Processing,

Underwriting, &

Closing

NMLS Unique

Identifier

Disclosed on 1003

Uniform

Residential Loan

Application

On Cx4193

(FNMA/FHLMC)



loan

Both

Residential

mortgage loan

A dwelling (as

defined in Section

103[w] of TILA) or

residential real

estate, upon

which a dwelling

is (or is intended

to be)

constructed

On the

application

Haw. Rev. Stat.

Ann. § 454F-19

Secure and Fair

Enforcement for

Mortgage

Licensing Act

FNMA 1003 Form -

Uniform Residential

Loan Application


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




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






Idaho (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure ID Mortgage

Banker

Application


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[w] of TILA) or

on residential real

estate upon which

is (or is intended

to be)

constructed such

a dwelling

Upon receipt of

application, but

before receiving

any money from a

borrower

Idaho Admin.

Code r.

12.01.10.050(1)

Idaho Residential

Mortgage

Practices Act

Idaho-required

Model Application

Forms and

Disclosures


Insurance

Disclosure

Cx2778 A person engaged in

the business of

financing the purchase

of real property.

Both

Purchase loan Real property Not specified Idaho Code Ann.

§§ 41-1310 & 41-

1312

Idaho Insurance

Code

No

Initial Disclosure ID Commitment

Agreement

Cx16367 (upon

request)

A person or entity

engaged in the

business of lending

money or extending

credit

Both

A loan of money

or an extension of

credit of $50,000

or more.

Not specified Not specified Idaho Code Ann.

§ 9-505(5)

No

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

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




http://legislature.idaho.gov/idstat/Title41/T41CH13SECT41-1310.htm






Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure ID Notice of

Financial Interest

in Title Company

Cx18886 A producer of a title

business, including

mortgage brokers and

lenders, who has a

financial interest in the

title entity providing

title services

Both

Loans by interest

in real property

Real property At the time the

sales and/or

purchase contract

is entered into

Idaho Admin.

Code r.

18.01.39.011 &

.012

Rebates and

Illegal

Inducements in

Title Insurance

Business

Administrative

Initial Disclosure,

TILA Redisclosure,

& Closing

Initial Truth-in-

Lending

Disclosure and

Good Faith

Estimate 01-01-10

Cx18 (Federal),

Cx1591

(Federal), &

Cx14221

(Federal)


under the Idaho


Practices Act (Idaho

Code Ann. §§ 26-31-

101 through 26-31-

321); or (2) a person

subject to the Federal

Consumer Credit

Protection Act (15

USCA §§ 1601 et seq.)

Both

Either: (1) a

residential

mortgage loan; or

(2) a credit

transaction

subject to the

Federal Consumer

Credit Protection

Act

Either: (1) a

dwelling (as

defined in Section

103[w] of TILA) or

on residential real

estate upon which

is (or is intended

to be)

constructed such

a dwelling; or (2)

not specified

Various times Idaho Code Ann.

§§ 26-31-211(3) &

28-43-201; Idaho

Admin. Code r.

12.01.10.050(2)

Idaho Credit Code

– Regulation of

Agreements and

Practices and

Idaho Residential

Mortgage

Practices Act

12 CFR Pt. 1024,

App. C

12 CFR Pt. 1026,

App. H; Form H-2



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







Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure,

Processing,

Underwriting, &

Closing

NMLS Unique

Identifier

Disclosed on 1003

Uniform

Residential Loan

Application

On Cx4193

(FNMA/FHLMC)

Any person engaged in

the origination of a


loan

Both

A residential

mortgage loan

A dwelling (as

defined in Section

103[w] of TILA) or

on residential real

estate upon which

is (or is intended

to be)

constructed such

a dwelling

On the

application

Idaho Code Ann.

§ 26-31-320

Idaho S.A.F.E.

Mortgage

Licensing Act

FNMA 1003 Form -

Uniform Residential

Loan Application


Closing

ID Reserve

Account

Disclosure

Cx10170 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

Mortgage

Company Act

No


Closing

Good Faith

Estimate 01-01-10

and HUD-1 01-01-

10

Cx14221

(Federal) &

Cx14753

(Federal)

Any person or

individual subject to

the Idaho S.A.F.E.

Mortgage Licensing

Act (Idaho Code Ann.

§§ 26-31-301 through

26-31-321)

Both

A residential

mortgage loan

A dwelling (as

defined in Section

103[w] of TILA) or

on residential real

estate upon which

is (or is intended

to be)

constructed such

a dwelling

Before accepting

any fees at

closing

Idaho Code Ann.

§ 26-31-317(19)

Idaho S.A.F.E.

Mortgage

Licensing Act

12 CFR Pt. 1024,

App. A & C












Illinois (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure IL Right to

Choose Title

Cx1097 A person, firm,

corporation,

partnership, or

association which may

extend credit or make

a loan.

Both

An extension of

credit or a loan

secured by an

interest in real

estate

Real estate which

shall have a

single family

residence or

residential condo

unit occupied (or

to be occupied)

as a principal

residence by the

borrower or

beneficiary

Not specified 815 Ill. Comp. Stat.

Ann. 505/2T

Consumer Fraud

and Deceptive

Business Practices

Act

No

Initial Disclosure IL Borrower

Information

Document



License Act of 1987

(205 Ill. Comp. Stat.

Ann. 635)

Both

A residential

mortgage loan

A dwelling (as

defined in

Section 103[w] of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

Before the

borrower signs

the application,

or gives the

licensee any

consideration

(whichever comes

first)

Ill. Admin. Code tit.

38, § 1050.1110(a)

& (i)

Residential

Mortgage License

Act of 1987

Partial

Administrative

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

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




Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure IL Mortgage

Escrow Account

Act



License Act of 1987


Ann. 635)

Both

A residential

mortgage loan,

which is a

purchase loan,

but not FHA-

insured or VA-

guaranteed and

in which there is

a certainly that an

escrow account

will not be

established

A dwelling (as

defined in

Section 103[w] of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling, but

which is also a

single-family

security, owner-

occupied real

estate

Before the

borrower signs

the application,

or pays any

consideration

(whichever comes

first).

765 Ill. Comp. Stat.

Ann. 910; Ill. Admin.

Code tit. 38, §§

1050.1110(f) &

1050.1360(a)(1)

Residential

Mortgage License

Act of 1987

Mostly Statutory


Awareness

Program Notice

Cx1902 A lender

Both

A high risk home

loan

A borrower’s

principal

residence

Prior to making a

high risk home

loan


Ann. 137/110(f)

High Risk Home

Loan Act

Notice Mortgage

Awareness Program


Awareness Waiver

Cx1903 A lender

Both

A high risk home

loan

A borrower’s

principal

residence

No less than 2

business days

after the

borrower receives

Cx1902


Ann. 137/110(h)

High Risk Home

Loan Act

Waiver of

Participation in

Mortgage

Awareness Program


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

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


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









Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure IL Loan Brokerage

Disclosure

Statement



License Act of 1987


Ann. 635)

Brokers

A residential

mortgage loan

A dwelling (as

defined in

Section 103[w] of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

Before the

borrower signs a

loan brokerage

agreement or

pays any

consideration

(whichever comes

first)


38, § 1050.1020

Residential

Mortgage License

Act of 1987

No

Initial Disclosure IL Loan Brokerage

Agreement



License Act of 1987


Ann. 635) who perform

loan brokering services

Brokers

A residential

mortgage loan

A dwelling (as

defined in

Section 103[w] of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

Before the

borrower signs

the application,

or pays any

consideration

(whichever comes

first)


38, §§ 1050.1010,

1050.1170,

1050.1335, &

1050.1340

Residential

Mortgage License

Act of 1987

No


Fee/Application

Disclosure



License Act of 1987


Ann. 635)

Both

A residential

mortgage loan

A dwelling (as

defined in

Section 103[w] of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

Not specified Ill. Admin. Code tit.

38, §§ 1050.1335(a)

& 1050.1340

Residential

Mortgage License

Act of 1987

No

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

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








Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure IL Required

Underwriting

Documentation



License Act of 1987


Ann. 635)

Both

A residential

mortgage loan

A dwelling (as

defined in

Section 103[w] of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

At the time of

application


38, § 1050.1120

Residential

Mortgage License

Act of 1987

No

Initial Disclosure IL GFE Charges

Paid by Seller



License Act of 1987


Ann. 635)

Both

A FHA-insured or

VA-guaranteed

residential

mortgage loan

A dwelling (as

defined in

Section 103[w] of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

At the time of

application


38, § 1050.1320(b)

Residential

Mortgage License

Act of 1987

No

Initial Disclosure IL Notice to

Borrower

Cx13001 A lender

Both

A high risk home

loan

A borrower’s

primary residence

Before offering or

making a high

risk home loan

and not later than

3 business days

before closing.


Ann. 137/95

High Risk Home

Loan Act

Statutory






Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required


Loan Application


or (2)

a licensee under the


License Act of 1987


Ann. 635)

Both

Either: (1) not

specified; or (2)

a residential

mortgage loan

Either: (1) not

specified; or (2)

a dwelling (as

defined in

Section 103[w] of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

With forms

furnished for

application by

mail


Ann. 75/20 ; Ill.

Admin. Code tit. 38,

§ 1050.1150

Illinois Religious

Freedom Protection

and Civil Union Act

and Residential

Mortgage License

Act of 1987

No

Initial Disclosure IL Float/Rate-Lock

Fee Agreement



License Act of 1987


Ann. 635)

Both

A residential

mortgage loan

A dwelling (as

defined in

Section 103[w] of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

Not specified, but

practically before

closing


38, §

1050.1335(a)(2);

Dep’t of Fin. & Prof.

Reg. Bulletin

WD99/2

Residential

Mortgage License

Act of 1987

No



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

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



Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure IL Pledged Time

Deposit Account

Disclosure –

Example



License Act of 1987


Ann. 635)

Both

A residential

mortgage loan,

which is for the

purchase of the

property, but

which is not for

either FHA-

insured or VA-

guaranteed

A dwelling (as

defined in

Section 103[w] of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling, which is

also owner-

occupied, single-

family real estate

Before an

applicant signs

the application or

gives the licensee

any

consideration,

whichever comes

first


Ann. 910/6; Ill.


§ 1050.1110(f)

Mortgage Escrow

Account Act and

Residential

Mortgage License

Act of 1987

No

Initial Disclosure IL Loan Approval

Notice

Cx14271 (upon

request)



License Act of 1987


Ann. 635)

Both

A residential

mortgage loan

A dwelling (as

defined in

Section 103[w] of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

Immediately

upon approval of

a residential

mortgage loan

application


38, § 1050.1305

Residential

Mortgage License

Act of 1987

No

Initial Disclosure High Cost

Tangible Net

Benefit

Worksheet

Cx15773 A lender

Both

A high risk home

loan

A borrower’s

principal

residence


Ann. 137/45

High Risk Home

Loan Act

No



http://www.ilga.gov/commission/jcar/admincode/038/038010500L13050R.html




Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure IL Notice of

Independent

Review

Cx16096 A lender

Both

A high risk home

loan

A borrower’s

primary residence


Ann. 137/125

High Risk Home

Loan Act

Notice of

Independent

Review

Initial Disclosure IL Notice of

Material Change

in Loan Terms

Cx16217 (upon

request)



License Act of 1987

Both

A residential

mortgage loan

A dwelling (as

defined in

Section 103[w] of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

No later than 3

days after

learning of the

change or 24

hours before

closing,

whichever is

earlier


Ann. 635/5-9

Residential

Mortgage License

Act of 1987

No

Initial Disclosure IL Disclosure of

Refinancing

Options

Cx16232 (upon

request)



License Act of 1987

Both

A residential

mortgage loan

A dwelling (as

defined in

Section 103[w] of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

When the subject

of a future loan is

discussed


Ann. 635/5-12

Residential

Mortgage License

Act of 1987

No





http://www.ilga.gov/legislation/ilcs/ilcs4.asp?DocName=020506350HArt%2E+V&ActID=1196&ChapterID=20&SeqStart=4700000&SeqEnd=6100000



Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure IL Anti-Coercion

Insurance

Disclosure


Consumer Installment

Loan Act

Both

A loan between

$500 and

$40,000, which

has a greater rate

of interest or

discount than

allowed under

other laws

Real property Not specified 205 Ill. Comp. Stat.

Ann. 670/15b

Consumer

Installment Loan

Act

No

Initials IL Statement of

Borrowers

Benefits


Both

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


Ann. 120/2(e) &

120/3(e)

Illinois Fairness in

Lending Act

No

Adverse Action &

Closing

IL Failure to Close

Disclosure



License Act of 1987


Ann. 635)

Both

A residential

mortgage loan

A dwelling (as

defined in

Section 103[w] of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

After a loan fails

to close


38, § 1050.1355

Residential

Mortgage License

Act of 1987

No







Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required


Closing

IL Private

Mortgage

Insurance

Disclosure

Cx1311 A mortgagee

Both

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


Ann. 930/15

Mortgage

Insurance

Limitation and

Notification Act

No


Adverse Action

IL Failure to

Qualify Notice



License Act of 1987


Ann. 635)

Both

A residential

mortgage loan

A dwelling (as

defined in

Section 103[w] of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

Immediately after

determining that

a borrower does

not qualify for the

loan applied for

and the costs of

another

recommended

program

materially differ


38, § 1050.1230(a)

Residential

Mortgage License

Act of 1987

No


Adverse Action

IL Notice of

Change Affecting

Loan



License Act of 1987


Ann. 635)

Both

A residential

mortgage loan

A dwelling (as

defined in

Section 103[w] of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

When a notice is

received from a

secondary market

underwriter, an

investor, the FHA,

or the VA, that

materially affects

a loan in process


38, § 1050.1230(b)

Residential

Mortgage License

Act of 1987

No


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

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



Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure,

Processing,

Underwriting, &

Closing

NMLS Unique

Identifier

Disclosed on 1003

Uniform

Residential Loan

Application

On Cx4193

(FNMA/FHLMC)



loan

Both

A residential

mortgage loan

A dwelling (as

defined in

Section 103[w] of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

On the

application


Ann. 635/7-14

Residential

Mortgage License

Act of 1987

FNMA 1003 Form -

Uniform Residential

Loan Application


Closing

IL Notice of

Material Facts

Cx16231 (upon

request)

A mortgage broker,

who is licensed under

the Residential

Mortgage License Act

of 1987 (205 Ill. Comp.

Stat. Ann. 635)

Both

A residential

mortgage loan

A dwelling (as

defined in

Section 103[w] of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling


Ann. 635/5-7(a)(3)

Residential

Mortgage License

Act of 1987

No

Closing Homestead

Waiver in IL

Mortgage

On Cx323

(FNMA/FHLMC),

Cx376 (FHA),

Cx481, &

Cx1357

Not specified, but

practically a mortgagee

Both

A loan secured by

a mortgage

A homestead In the mortgage 735 Ill. Comp. Stat.

Ann. 5/12-904; 765

Ill. Comp. Stat. Ann.

5/11 & 5/27

Conveyances Act

Statutory

FNMA Form 3014 -

Illinois

http://www.ilga.gov/legislation/ilcs/ilcs4.asp?DocName=020506350HArt%2E+VII&ActID=1196&ChapterID=20&SeqStart=6500000&SeqEnd=-1




http://www.ilga.gov/legislation/ilcs/ilcs4.asp?DocName=020506350HArt%2E+V&ActID=1196&ChapterID=20&SeqStart=4700000&SeqEnd=6100000

http://www.ilga.gov/legislation/ilcs/ilcs4.asp?DocName=073500050HArt%2E+XII+Pt%2E+9&ActID=2017&ChapterID=56&SeqStart=96900000&SeqEnd=98300000







Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Closing IL Escrow Account

Disclosure

Agreement



License Act of 1987


Ann. 635)

Both

A primary lien,

residential

mortgage loan

which provides

for an escrow

account

A dwelling (as

defined in

Section 103[w] of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

At closing Ill. Admin. Code tit.

38, § 1050.1360(b)

Residential

Mortgage License

Act of 1987

No

Closing IL Pledged Time

Deposit Account

Disclosure


lender; or (2) a licensee

under the Residential

Mortgage License Act

of 1987 (205 Ill. Comp.

Stat. Ann. 635)

Both

Either: (1) a

purchase loan; or

(2) a residential

mortgage loan,

which is for the

purchase of the

property, but

which is not for

either FHA-

insured or VA-

guaranteed

Either: (1) a

residence; or (2) a

dwelling (as

defined in

Section 103[w] of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling, which is

also owner-

occupied, single-

family real estate

At closing 765 Ill. Comp. Stat.

Ann. 910/6; Ill.


§ 1050.1360(a)(1)

Mortgage Escrow

Account Act and

Residential

Mortgage License

Act of 1987

No

Closing IL Collateral

Protection Act

Notice

Cx1302 A creditor

Both

A credit

transaction

Property In or with the

credit agreement


Ann. 180/10(3)

Collateral

Protection Act

Statutory







Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Closing IL First Payment

Letter Enhanced

Fees

Cx7606

(Upon Request)

A servicer

Both

A residential

mortgage loan

Not specified At least 15 days

before the first

payment it due

38 Ill. Adm. Code

1050.810

Statutory

Closing IL Mortgage

Escrow Account

Act Applicability



License Act of 1987


Ann. 635), which is also

not a lender required

to comply with the

Mortgage Escrow

Account Act (765 Ill.

Comp. Stat. Ann. 910)

Both

A residential

mortgage loan,

which is for the

purchase of the

property, but

which is not for

either FHA-

insured or VA-

guaranteed, or in

which an escrow

account or other

specific

arrangement for

payment of taxes

is made

A dwelling (as

defined in

Section 103[w] of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling, which is

also owner-

occupied, single-

family real estate

At closing Ill. Admin. Code tit.

38, §

1050.1360(a)(2)

Residential

Mortgage License

Act of 1987

No

Closing IL Mortgage

Escrow Account

Act

Cx16095 Not specified, but

practically a mortgage

lender

Lenders

A purchase loan A residence At closing 765 Ill. Comp. Stat.

Ann. 910/11

Mortgage Escrow

Account Act

Mostly Statutory

ftp://www.ilga.gov/jcar/admincode/038/038010500G08100R.html





Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Closing Notice of

Servicing Transfer

Cx17905

(Federal)



License Act of 1987


Ann. 635)

Both

A residential

mortgage loan

A dwelling (as

defined in

Section 103[w] of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

Simultaneous

with the transfer

of servicing


Ann. 635/3-7; Ill.


§ 1050.820

Residential

Mortgage License

Act of 1987

12 CFR Pt. 1024,

MS-2


http://www.ilga.gov/legislation/ilcs/ilcs4.asp?DocName=020506350HArt%2E+III&ActID=1196&ChapterID=20&SeqStart=1800000&SeqEnd=2800000

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




Indiana (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required


Insurance

Disclosure

Cx2778 Either: (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)

Uniform

Consumer Credit

Code - Insurance

No

Initial Disclosure IN Mortgage

Broker Agreement

Cx3828 Either: (1) a loan broker


5, Article 2, Title 23 of

Indiana’s Code; or (2) a

licensee supervised by

the Indiana Securities

Commission.

Brokers

Either: (1) a

residential

mortgage loan; or

(2) a loan

A dwelling (as

defined in Section

103[w] of TILA) or

residential real

estate on which a

dwelling is (or is

intended to be)

constructed

Within 3 business

days of the time

an application for

a loan is made to

a licensee

Ind. Code Ann. §§

23-2-5-9 & 23-2-

5-23; Ind. Admin.

Code tit. 710, r. 1-

22-5

Approved Indiana

Loan Broker

Agreement

Initial Disclosure IN Notice to

Borrower

Cx13003 A creditor

Both

A high cost home

loan

Real estate, on

which there is (or

will be) located a

structure or

structures

designed

primarily for 1-to-

4 families and

that is (or will be)

the borrower’s

principal dwelling

Not later than 3

business days

prior to

consummation

Ind. Code Ann. §

24-9-4-11

Statutory

https://iga.in.gov/legislative/laws/2014/ic/titles/024/articles/4.5/chapters/004/

https://iga.in.gov/legislative/laws/2014/ic/titles/027/articles/004/chapters/001/

https://iga.in.gov/legislative/laws/2014/ic/titles/027/articles/004/chapters/001/

http://iga.in.gov/legislative/laws/2014/ic/titles/023/articles/002/chapters/005/#section-9



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


http://www.in.gov/sos/securities/4451.htm






Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure IN Notice to

Borrower

Cx14601 A creditor

Both

A mortgage loan,

including most of

the usual loans

regulated by

Indiana law (see

Ind. Code Ann. §

24-5-23.5-4 for

details)

Real property Not later than 3

business days

after receiving a

completed

written

application

Ind. Code Ann. §

24-5-23.5-8

Borrower Notice

Form


Disclosure

Cx16488 A lender

Lenders

A consumer loan,

which generally

excludes first lien

mortgage

transactions

An interest in land

used (or expected

to be used) as the


dwelling

Not specified, but

practically before

charging for

optional

consumer credit

insurance

Ind. Code Ann. §

24-4.5-3-202(2)

Uniform

Consumer Credit

Code - Loans

No

Initial Disclosure

IN Commitment

Agreement

Cx18838 A creditor

Both

Credit Agreement Not specified Not specified Ind. Code Ann.

§26-2-9-4

No


Statement


organization (CSO)

Brokers

An extension of

credit for

consumer

purposes

Not specified Before executing

a contract or

agreement with a

buyer or receiving

money or other

valuable

consideration

Ind. Code Ann. §

24-5-15-6

No


organization (CSO)

Brokers

An extension of

credit for

consumer

purposes

Not specified Not specified Ind. Code Ann. §

24-5-15-7

Statutory

http://iga.in.gov/legislative/laws/2014/ic/titles/024/articles/005/chapters/23.5/#section-8

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

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

http://iga.in.gov/legislative/laws/2014/ic/titles/024/articles/4.5/chapters/003/#section-202

http://iga.in.gov/legislative/laws/2014/ic/titles/026





Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required


TILA Redisclosure

Consumer Loan

Information in

Truth-in-Lending

Disclosures

In Cx18, Cx1591,

and other TILA

Disclosures

A lender

Both

A consumer loan An interest in land

used (or expected

to be used) as the


dwelling

Various times Ind. Code Ann. §

24-4.5-3-301(2)

Uniform

Consumer Credit

Code - Loans

12 CFR Pt. 1026,

App. H; Form H-2

Initial Disclosure,

Processing,

Underwriting, &

Closing

NMLS Unique

Identifier

Disclosed on 1003

Uniform

Residential Loan

Application

On Cx4193

(FNMA/FHLMC)


under the First Lien


– Miscellaneous; or (2)

a person originating a

mortgage transaction

Both

Either: (1) a first

lien mortgage

transaction; or (2)

a mortgage

transaction (a

consumer loan)

A 1-to-4 unit

dwelling or

residential real

estate upon

which a dwelling

is constructed or

intended to be

constructed

On the

application

Ind. Code Ann. §

24-4.4-2-405(2);

750 Ind. Admin.

Code 9-4-1(b)

First Lien

Mortgage

Lending Act -

Miscellaneous

FNMA 1003 Form -

Uniform Residential

Loan Application

Closing High Cost Home

Loan Legend,

Document

Preparation

Disclosure, and

Social Security

Redactment

Affirmation on IN

Mortgage

On Cx324

(FNMA/FHLMC),

Cx377 (FHA),

Cx482, &

Cx1381

Either: (1) not specified;

or

(2) an individual

Both

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

Statutory

FNMA Form 3015 -

Indiana









http://iga.in.gov/legislative/laws/2014/ic/titles/036/articles/002/chapters/7.5/#section-5





Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Closing IN Property Tax

Benefits (THIS

FORM MUST BE

PRINTED ON

YELLOW OR GOLD

PAPER)

Cx14885 Either: (1) a closing

agent; or (2) a lender

Both

Either: (1) a first

lien purchase

money mortgage

or refinancing

transaction; or (2)

a consumer loan,

which generally

excludes first lien

mortgage

transactions

Either: (1) single

family residential

property; or (2) an

interest in land

used or expected

to be used as the

principal dwelling

of the debtor,

consisting of 1-

to-4 units

Before closing a

transaction

Ind. Code Ann. §§

6-1.1-12-43 & 24-

4.5-3-701

Uniform

Consumer Credit

Code - Loans

Indiana Property

Tax Benefits - State

Form 51781

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 seller

Both

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); 11

Ind. Admin. Code

1-1-2 9

Statutory





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







Iowa (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type


Loan Type Property Timing Requirement Legal Reference Format

Initial Disclosure IA Payment

Reduction Fee

Disclosure

Cx1906 A lender

Both

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(5)

No


Insurance

Disclosure

Cx2778 Either: (1) a person; or

(2) a financial

institution

Both

Either: (1) a loan

of money or

extension of

credit; or (2) a

real estate

mortgage loan

Residential

property

containing (or to

contain) 1-to-4

family dwelling

units

Not specified Iowa Code Ann.

§§ 507B.5(1)(a) &

535A.9(1)(a)

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

Iowa Loan

Brokers Act

No


Loan Application


Both


practically at

application

Varnum v. Brien,

763 N.W.2d 862

No

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





http://www.iowacourts.gov/wfData/files/Varnum/07-1499(1).pdf


Iowa (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type




Disclosure

Cx16488 A creditor

Lenders

A consumer

credit transaction

(consumer loan)

of $25,000 or

less, excluding a

first lien used to

purchase the

property,

refinance a

purchase loan, or

construct a

dwelling on the

property

Not specified Not specified, but

practically before

charging for consumer

credit insurance

Iowa Code Ann. §

537.2501(2)

Iowa Consumer

Credit Code –

Finance Charges

and Related

Provisions

No


Statement


organization (CSO)

Brokers

An extension of

credit for

consumer

purposes

Not specified Before executing a

contract or agreement

with a buyer or

receiving money or

other valuable

consideration

Iowa Code Ann. §

538A.6

No


organization (CSO)

Brokers

An extension of

credit for

consumer

purposes

Not specified Not specified Iowa Code Ann. §

538A.7

Statutory

Initial Disclosure IA Lock-In

Agreement

Cx20841

(upon request)

A lender

Both

Not specified Not specified Not specified Iowa Code Ann. §

535.17(1), (5)(c)

& (8)

Statutory

Initial Disclosure IA Commitment

Agreement

Cx20680 (upon

request)

A lender

Both

A loan of money

or a financed

transaction

Not specified On or after a written

agreement is executed

by the borrower

Iowa Code Ann. §

535.8(4)

Statutory




https://www.legis.iowa.gov/ico/section/535.8.pdf


Iowa (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Initial Disclosure,

TILA Redisclosure,

& Closing

TILA Disclosures Cx18, Cx1591,

and other TILA

Disclosures

A person

Both

A consumer

credit transaction

(consumer loan)

of $25,000 or

less, excluding a

first lien used to

purchase the

property,

refinance a

purchase loan, or

construct a

dwelling on the

property

Not specified Various times Iowa Code Ann. §

537.3201

Iowa Consumer

Credit Code –

Regulation of

Agreements and

Practices

12 CFR Pt. 1026,

App. H

Initial Disclosure,

Processing,

Underwriting, &

Closing

NMLS Number

Disclosed on 1003

Uniform

Residential Loan

Application

On Cx4193

(FNMA/FHLMC)



loan

Both

A residential

mortgage loan

A dwelling (as

defined in

section 103[w] of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

On the application Iowa Code Ann. §

535D.19

Iowa Secure and

Fair Enforcement

for Mortgage

Licensing Act

FNMA 1003 Form -

Uniform

Residential Loan

Application

Initial Disclosure,

TILA Redisclosure,

& Closing

IA

Acknowledgement

of Receipt of

Copies

Cx15276 A lender or other

secured party

Both

A debt Not specified At the time a

document relating to

a debt is signed

Iowa Code Ann. §

535.16

No










Iowa (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Closing Notice to

Consumer on IA

Mortgage Second

and Fixed Rate

Note Iowa Second

On Cx479 &

Cx1044

A creditor

Both

A consumer

credit transaction

(consumer loan)

of $25,000 or

less, excluding

both open end

credit and a first

lien used to

purchase the

property,

refinance a

purchase loan, or

construct a

dwelling on the

property

Not specified On any writing

evidencing a

consumer credit

transaction

Iowa Code Ann. §

537.3203

Iowa Consumer

Credit Code –

Regulation of

Agreements and

Practices

Statutory

Closing Homestead

Waiver on IA

Mortgage, IA

Mortgage FHA, IA

Mortgage Second,

and HELOC

Mortgage Less

than 25000 – IA

On Cx321

(FNMA/FHLMC),

Cx374 (FHA),

Cx479, &

Cx1377

Not specified, but

practically the lender

Both

Not specified A homestead On a written contract Iowa Code Ann. §

561.22(1)(a)

Statutory

FNMA Form 3016 -

Iowa






Iowa (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Closing IA Oral Agreement

Disclosure

Cx1021 A lender

Both

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 specified At or after the time

the credit agreement

is made.

Iowa Code Ann. §

535.17(2) & (3)

Statutory



Closing IA Notice to

Cosigners


practically by the

lender

Both

A consumer

credit transaction

(consumer loan)

that does not

exceed the

threshold

amount as

determined by

12 C.F.R.

§1026.3(b) (which

is currently

$54,600),

excluding a sale

or lease in which

the seller or

lessor allows the

buyer or lessee

to purchase or

lease pursuant to

a seller credit

card, a debt

which is secured

by a first lien on

real property, a

loan financed by

the Iowa finance

authority and

secured by a lien

on loan, or a

consumer rental

purchase

agreement.

Not specified Before or

contemporaneously

with signing any

agreement of

obligation or any


the terms of the

debtor’s agreement

Iowa Code Ann. §

537.3208

Iowa Consumer

Credit Code –

Regulation of

Agreements and

Practices

Statutory



Iowa (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Closing Consumer Credit

Transaction

Notice on Fixed

Rate Note Iowa

Second

On Cx1044 Not specified, but

practically by the

lender

Both

A consumer

credit transaction

(consumer loan)

of $25,000 or

less, excluding a

first lien used to

purchase the

property,

refinance a

purchase loan, or

construct a

dwelling on the

property

Not specified On the face of the

negotiable instrument

Iowa Code Ann. §

537.3211

Iowa Consumer

Credit Code –

Regulation of

Agreements and

Practices

Statutory


(Federal)

A lender

Both

A loan, which is

for the purpose

of purchasing

the property or

for refinancing a

prior loan,

excluding loans

subject to Iowa

Code Ann. §

636.46 (federally

insured loans)

A 1-to-2 family,

dwelling

occupied (or to

be occupied) by

the borrower

Not specified, but

practically before

charging the disclosed

fees

Iowa Code Ann. §

535.8(2)(b)

12 CFR Pt. 1024,

App. A





Iowa (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Closing Notice of

Servicing Transfer

Cx17905

(Federal)

Not specified, but

practically the original

creditor

Both

A consumer

credit transaction

(consumer loan)

of $25,000 or

less, excluding a

first lien used to

purchase the

property,

refinance a

purchase loan, or

construct a

dwelling on the

property


practically before or at

the time the loan is

assigned

Iowa Code Ann. §

537.3204

Iowa Consumer

Credit Code –

Regulation of

Agreements and

Practices

12 CFR Pt. 1024,

App. MS-2






Kansas (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure KS High LTV

Consumer Notice

Cx1595 A lender, excluding a

supervised financial

organization

Both

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)

Revised Uniform

Consumer Credit

Code –

Regulation of

Agreements and

Practices

No

Initial Disclosure KS Borrower

Acknowledgment

Cx3585 A licensee (mortgage

company) under the

Kansas Mortgage

Business Act

Both

A mortgage loan A lot intended for

residential

purposes or a 1-

to-4 family

dwelling (as

defined in section

103[w] 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); Kan.

Admin. Regs. §

17-24-1

Kansas Mortgage

Business Act

Mostly

Administrative

Initial Disclosure Loan Brokerage

Agreement

Cx3841 (upon

request)

A loan broker

registered under

Article 10, Chapter 50

of Kansas’ Statutes

Brokers

A loan Not specified Not specified Kan. Stat. Ann. §§

50-1007 & 50-

1015(a)(1)

No

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


http://kslegislature.org/li/b2013_14/statute/009_000_0000_chapter/009_022_0000_article/009_022_0008_section/009_022_0008_k/

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






Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required


Insurance

Disclosure

Cx4172 A creditor

Both

A consumer

credit transaction

(consumer loan),


a primary lien if

the LTV exceeds

100% or the APR

exceeds the code

mortgage rate; or

(2) a junior lien

Land On the loan

agreement or

other instrument

Kan. Stat. Ann. §

16a-4-109

Revised Uniform

Consumer Credit

Code - Insurance

No

Initial Disclosure KS Loan Broker

Disclosure


registered under



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)

Partial Statutory





Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure Dual Capacity

Disclosure


(mortgage company)

under the Kansas

Mortgage Business Act;

or (2) a licensee or

registrant under the

Uniform Consumer

Credit Code, either of

whom also acts as a

real estate broker or

agent in connection

with the transaction

Both

Either: (1) a

mortgage loan; or

(2) a residential

mortgage loan,

either of which

are made in

connection with

the sale of the

real estate

Either: (1) a lot

intended for

residential

purposes or a 1-

to-4 family

dwelling (as

defined in section

103[w] of TILA),

which is owner-

occupied; or (2) A

dwelling (as

defined in Section

103[w] of TILA) or

residential real

estate upon

which a dwelling

is (or is intended

to be)

constructed

Before receiving

compensation

Kan. Stat. Ann. §§

9-2212(g) & 16a-

2-310(e)

Kansas Mortgage

Business Act and

Uniform

Consumer Credit

Code – Finance

Charges and

Related

Provisions

No


Disclosure

Cx16488 A creditor

Lenders

A consumer

credit transaction

(consumer loan),


a primary lien if

the LTV exceeds

100% or the APR

exceeds the code

mortgage rate; or

(2) a junior lien


practically before

charging for

additional credit

insurance

Kan. Stat. Ann. §

16a-2-501(2)

Revised Uniform

Consumer Credit

Code – Finance

Charges and

Related

Provisions

No







Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure KS Estimated

Disclosure

Document

Cx16584 (upon

request)

A loan broker

registered under



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)

Partial Statutory

Initial Disclosure,

TILA Redisclosure,

& Closing

Various TILA

Disclosures

Cx18, Cx1591,

and other TILA

Disclosures (All

Federal)

A creditor

Both

A consumer

credit transaction

(consumer loan),


a primary lien if

the LTV exceeds

100% or the APR

exceeds the code

mortgage rate; or

(2) a junior lien

Land At various times Kan. Admin. Regs.

§ 75-6-26

Uniform

Consumer Credit

Code

12 CFR Pt. 1026,

App. G & H

Closing Various Kansas

Notes and

Mortgages

Cx5

(FNMA/FHLMC),

Cx36 (FHA),

Cx325

(FNMA/FHLMC),

Cx378 (FHA),

Cx483, and

Cx1048

A creditor

Both

A closed-end

consumer credit

transaction

(consumer loan),


a primary lien if

the LTV exceeds

100% or the APR

exceeds the code

mortgage rate; or

(2) a junior lien

Land On the written

loan agreement

Kan. Stat. Ann. §

16a-3-202

Revised Uniform

Consumer Credit

Code –

Regulation of

Agreement and

Practices

Statutory

FNMA Form 3200 –

Multistate Fixed-

Rate Note

FNMA Form 3017 -

Kansas













Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Closing KS UCCC

Addendum

Cx4448 A lender

Both

Either: (1) a first

mortgage loan

made subject to

the Uniform

Consumer Credit

Code (Kan. Stat.

Ann. §§ 16a-1-

101 through 16a-

9-102); or (2) a

consumer loan

made subject to

Kan. Stat. Ann. §

16-207(b), which

is either: (a) a

primary lien if the

LTV exceeds

100% or the APR

exceeds the code

mortgage rate; or

(b) a junior lien

Not specified Not specified Kan. Stat. Ann. §§

16-207(h) & (i)

and 16a-1-109;

Kan. Admin. Regs.

§ 75-6-1

No







Kentucky (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required


Insurance

Disclosure

Cx2778 Either: (1) a financial

institution; or (2) a

creditor or lender

Lenders

Either: (1) A loan

or extension of

credit; or (2) A

debt or loan

Property When application

approval is

pending and

insurance is

offered or

required.

Ky. Rev. Stat. Ann.

§§ 304.9-135(2)(b)

& (c) and 304.12-

150; 806 Ky.

Admin. Regs.

9:190(3)

Form FI-02 Notice

of Free Choice of

Agent and Insurer

Available from

Department of

Insurance

Initial Disclosure KY Mortgage Loan

Broker Agent

Disclosure

Cx3825 A mortgage loan

broker

Brokers

A residential

mortgage loan

Residential real

property, which is

a dwelling (as

defined in 15

USCA § 1602[v])

or any real

property upon

which is (or is

intended to be)

constructed a

dwelling

Not specified Ky. Rev. Stat. Ann.

§ 286.8-270(1)(b)

Mortgage

Licensing and

Regulation Act

No

http://www.lrc.ky.gov/Statutes/chapter.aspx?id=38695




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




Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure KY Commitment

Disclosure


company or a loan

broker

Both

A loan

commitment or

funding,

presumably for a

mortgage loan

Residential real

property, which is

a dwelling (as

defined in 15

USCA § 1602[v])

or any real

property upon

which is (or is

intended to be)

constructed a

dwelling

Not specified Ky. Rev. Stat. Ann.

§§ 286.8-120(7) &

286.8-270(2)

Mortgage

Licensing and

Regulation Act

No

Initial Disclosure KY Notice to

Borrower – High

Cost Loans

Cx4264 A lender, including

mortgage brokers and

finance companies

Both

A high-cost home

loan

Residential real

property which is

(or will be) the

borrower’s

principal dwelling

At least 3

business days

before

consummation

Ky. Rev. Stat. Ann.

§ 360.100(2)(h)

Statutory

Initial Disclosure Affiliated Business

Disclosure

Cx11413

(Federal)

A mortgage loan

company, a mortgage

loan broker, or a lender

Both

A mortgage loan Residential real

property, which is

a dwelling (as

defined in 15

USCA § 1602[v])

or any real

property upon

which is (or is

intended to be)

constructed a

dwelling

At the time when

the Good Faith

Estimate is

provided

808 Ky. Admin.

Regs. 12:050(3)

Mortgage

Licensing and

Regulation Act

12 CFR Pt. 1024,

App. D



http://www.lrc.ky.gov/KRS/360-00/CHAPTER.HTM





Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure Material Change

of HCL Terms

Cx20851

(Upon Request)

A lender, including any

person who acts as a

mortgage broker or

lender

A high-cost home

loan

Residential real

property which is

the borrower’s

principal dwelling

Within 3 days of

the known

change or at least

24 hours before

closing

Ky. Rev. Stat. Ann.

§ 360.100(1)(c) &

(2)(x)

No

Initial Disclosure Financial

Institution

Disclosures

Cx20898

(Upon Request)


Both

Not specified Not specified Prior to closing Ky. Rev. Stat. Ann.

§ 304.9-135(2)(f)

No

Initial Disclosure,

Processing,

Underwriting, &

Closing

NMLS Unique

Identifier

Disclosure on 1003

Uniform

Residential Loan

Application

On Cx4193

(FNMA/FHLMC)


a mortgage loan

Both


property, which is

a dwelling (as

defined in 15

USCA § 1602[v])

or any real

property upon

which is (or is

intended to be)

constructed a

dwelling

On the

application

Ky. Rev. Stat. Ann.

§ 286.8-030(5)

Mortgage

Licensing and

Regulation Act

FNMA 1003 Form -

Uniform Residential

Loan Application

Initial Disclosure,

TILA Redisclosure,

& Closing

HUD 01-01-10 and

Itemization of

Amount Financed

01-01-10

Cx14222

(Federal) &

Cx14644

(Federal)

A mortgage loan

company or a

mortgage loan broker

Both


property, which is

a dwelling (as

defined in 15

USCA § 1602[v])

or any real

property upon

which is (or is

intended to be)

constructed a

dwelling

Not specified, but

practically at

closing

808 Ky. Admin.

Regs. 12:050(1)

Mortgage

Licensing and

Regulation Act

12 CFR Pt. 1024,

App. A

12 CFR Pt. 1026,

App. H; Form H-3

http://www.lrc.ky.gov/statutes/chapter.aspx?id=39032












Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Closing KY Fair Housing

Disclosure

Cx11145 A person or entity

engaged in real estate-

related transactions

Both

A financing of real

property


sale, purchase, or

financing of real

property

104 Ky. Admin.

Reg. 1:010(4)

Fair Housing

Brochure

Closing KY

Homeownership

Protection Center

Notification to

Homeowners

Cx13677 A mortgagee

Both

Not specified Not specified At the time of

closing

Ky. Rev. Stat. Ann.

§§ 198A.400 &

286.2-020(2)

Mae Street Kidd

Kentucky Housing

Corporation Act

Notification to

Homeowners of the

Kentucky

Homeownership

Protection Center



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

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

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


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







Louisiana (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement

Legal Reference Specific

Language

Required

Initial Disclosure LA Loan Brokerage

Agreement and

Disclosure

Statement


Brokers

A consumer or

federally related

mortgage loan in

which a loan

broker is involved

If a federal related

mortgage loan, a

dwelling (as

defined in 15

USCA § 1602[v])

or residential

immovable

property upon

which is (or is

intended to be)

constructed a

dwelling

With the

application

La. Rev. Stat. Ann.

§§ 9:3572.10 &

9:3572.11

Louisiana

Consumer Credit

Law

No


Insurance

Disclosure

Cx4172 Either: (1) the extender

of credit; or (2) the

mortgagee or a lender

Both

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)

Louisiana

Consumer Credit

Law and Louisiana

Insurance Code

No

http://www.legis.state.la.us/lss/lss.asp?doc=107691






Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Language

Required

Initial Disclosure LA Mortgage Loan

Origination

Agreement


Brokers

A residential

mortgage loan

A dwelling (as

defined in 15

USCA § 1602[v])

or residential

immovable

property upon

which is (or is

intended to be)

constructed a

dwelling

No later than 3

days after the

initial loan

application date.

La. Rev. Stat. Ann.

§ 6:1098

Louisiana S.A.F.E.

Residential

Mortgage

Lending Act

Partial Statutory

Initial Disclosure LA Application Fee

Disclosure


Louisiana S.A.F.E.


Lending Act (La. Rev.

Stat. Ann. §§ 6:1081

through 6:1104)

Both

A residential

mortgage loan

A dwelling (as

defined in 15

USCA § 1602[v])

or residential

immovable

property upon

which is (or is

intended to be)

constructed a

dwelling

Prior to collecting

an application fee

La. Rev. Stat. Ann.

§ 6:1096(J)(1)

Louisiana S.A.F.E.

Residential

Mortgage

Lending Act

No





Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Language

Required

Closing 3200 Note Fixed,

LA Mortgage

Second, Fixed Rate

Note Louisiana

Second, HUD-1

01-01-10, and any

other applicable

Louisiana

promissory notes

Cx5

(FNMA/FHLMC),

Cx485, Cx1050,

Cx14222

(Federal), and

other Louisiana

promissory

notes

A party to the loan (i.e.

a lender)

Lenders

A federally related

mortgage loan

(which is a first

mortgage), a

residential

mortgage loan

other than a

federally related

mortgage loan,

and a consumer

loan

Residential

immovable

property (upon

which there is, or

will be,

constructed a

dwelling),

including an

immobilized 1-to-

4 family mobile

home

Not specified, but

practically at

closing

La. Rev. Stat. Ann.

§§ 6:1096 &

6:1097

Louisiana S.A.F.E.

Residential

Mortgage

Lending Act

FNMA Form 3200

– Multistate Fixed-

Rate Note

12 CFR Pt. 1024,

App. A

Closing LA Title Insurance

Rider


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

Louisiana Title

Insurance Act

No



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








Maine (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Required

Initial Disclosure ME Notification

to Buyer of

Withholding Tax

Requirement

Cx1570 A real estate escrow

person, including a

mortgage lender

Both

A mortgage, lien,

or encumbrance

used as a means

for purchasing

real property for

$50,000 or more

from a

nonresident

seller

Real property Not specified Me. Rev. Stat.

Ann. tit. 36, §

5250-A(9)

Maine Income

Tax Law

REW-4 -

Notification of

Buyer(s) of

Withholding Tax

Requirement


Insurance

Disclosure

Cx2778 A creditor or a lender,

the latter of which

includes a financial

institution, credit

union, or supervised

lender

Both

A loan Not specified At the time of

application or at the

outset of negotiations.

Me. Rev. Stat.

Ann. tit. 24-A, §

2169

The Maine

Insurance Code

No

Initial Disclosure ME Right to Own

Attorney

Disclosure

Cx3279 Either: (1) a supervised

lender; (2) a creditor; or

(3) a financial

institution or credit

union authorized to do

business in Maine

Both

Either: (1) a

residential

mortgage loan;

or (2) a consumer

credit transaction

(consumer loan)

1-to-4 residential

units

Not specified Me. Rev. Stat.

Ann. tit. 9-A, §§

3-311 & 9-303;

tit. 9-B, § 241(4)

Maine Consumer

Credit Code –

Regulation of

Agreements and

Practices

No

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

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





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

http://www.mainelegislature.org/legis/statutes/9-A/title9-Asec3-311.html


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



Proper Name of

Disclosure

Generic Cx

Number

License Type



Required

Initial Disclosure ME Balloon

Addendum to

Loan Application

Cx3394 A creditor

Both

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 land


Ann. tit. 9-A, § 3-

308

Maine Consumer

Credit Code –

Regulation of

Agreements and

Practices

No

Initial Disclosure ME Disclosure to

Consumer

Cx3764 Either: (1) a loan

broker; or (2) a credit

services organization

Both

Either: (1) an

extension of

credit; or (2)

consumer credit,

presumably a

consumer credit

transaction

(consumer loan)

Manufactured

housing or an

interest in land

Before any agreement

is entered into or any

money is paid by a

consumer (whichever

occurs first)

Me. Rev. Stat.

Ann. tit. 9-A, §

10-303; 02-030

Code Me. R., ch.

350, § 4(c) & (e)

Maine Consumer

Credit Code –

Loan Brokers

Disclosure -

Written Disclosure;

required by Section

10-303

Initial Disclosure ME Broker

Agreement and

Good Faith

Estimate 01-01-

10

Cx4517 &

Cx14221

(Federal)

Either: (1) a loan

broker; or (2) a credit

services organization

Brokers

Consumer credit,

presumably a

consumer credit

transaction

(consumer loan)

Manufactured

housing or an

interest in land


Ann. tit. 9-A, §

10-302; 02-030

Code Me. R. ch.

350, § 4(B) & (E)

Maine Consumer

Credit Code –

Loan Brokers

Loan Broker

Agreement

12 CFR Pt. 1024,

App. A




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

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











Proper Name of

Disclosure

Generic Cx

Number

License Type



Required

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

Administrative


Loan Application


Both


practically at

application

Me. Rev. Stat.

Ann. tit. 19-A, §

650-A

No

Initial Disclosure Privacy Policy

Notice

Cx15182

(Federal)

A creditor, but not a


organization

Both

A consumer

credit transaction

(consumer loan)

Manufactured

housing or an

interest in land

No later than when a

customer relationship

is established

Me. Rev. Stat.

Ann. tit. 9-A, §§

3-314 & 9-310

Maine Consumer

Code and Maine

Consumer Credit

Code –

Regulation of

Agreements and

Practices

12 CFR Pt. 1016,

App. A





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






Proper Name of

Disclosure

Generic Cx

Number

License Type



Required

Initial Disclosure ME Alternative

Mortgage

Transaction

Disclosures

Cx13457

(Federal),

Cx17637,

Cx17638, or

Cx17670

A creditor (a

supervised lender) or a

financial institution, but

excluding a supervised

financial organization

Both

An alternative

mortgage

transaction,

which is a

primary lien, has

a term of more

than 1 year, and

is a purchase

loan, refinance

thereof, or a

construction

loan, but not an

open-end credit

plan

A 1-to-4 family

dwelling

At the time an

application form is

provided or before the

applicant pays a

nonrefundable fee,

whichever is earlier

02-029 Code Me.

R. ch. 119, §§ 4 &

5 and 02-030

Code Me. R. ch.

250, §§ 4 & 5

No


Disclosure

Cx16488 The creditor

Both

A consumer

credit transaction

(consumer loan),

which generally

excludes

purchase,

refinance of a

purchase,

construction, and

first lien loans

Manufactured

housing or an

interest in land

Not specified, but

practically before

charging for any of

the disclosed

insurances

Me. Rev. Stat.

Ann. tit. 9-A, § 2-

501(2)

Maine Consumer

Credit Code –

Finance Charges

and Related

Provisions

No

Initial Disclosure ME PMI

Disclosure

Cx16590 (upon

request)

A supervised lender or

a loan broker

Both


property

At the time of

application

Me. Rev. Stat.

Ann. tit. 33, § 507

No






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



Proper Name of

Disclosure

Generic Cx

Number

License Type



Required

Initial Disclosure Debt

Management

Service Provider

List of Counselors

UR A debt management

service provider

Brokers

A residential

mortgage loan

Not specified Before performing any

debt management

services

Me. Rev. Stat.

Ann. tit. 32, §

6183(5)(B) & (C)

Debt

Management

Services Act

No

Initial Disclosure Debt

Management

Service Provider

Contract

UR A debt management

service provider

Brokers

Not specified,

but can include a

residential

mortgage loan

Not specified Before performing any

debt management

services

Me. Rev. Stat.

Ann. tit. 32, §

6176

Debt

Management

Services Act

Partial Statutory

Sample Contract

Initial Disclosure,

TILA Redisclosure,

& Closing

Initial Truth-in-

Lending

Disclosure and

other TILA

Disclosures

Cx1591 and

other TILA

Disclosures

Either: (1) a creditor; or

(2) a loan broker and

its mortgage loan

originators

Both

Either: (1) a

consumer credit

transaction

(consumer loan);

or (2) consumer

credit,

presumably a

consumer loan

Manufactured

housing or an

interest in land

At various times Me. Rev. Stat.

Ann. tit. 9-A, §§

8-504 & 10-307-

A

Maine Consumer

Credit Code –

Truth-in-Lending

and Maine

Consumer Credit

Code – Loan

Brokers

12 CFR Pt. 1026,

App. G & H


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


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


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





Proper Name of

Disclosure

Generic Cx

Number

License Type



Required


Adverse Action

Appraisal

Disclosure

Cx3397 Either: (1) a creditor; or

(2) a financial

institution

Both

A consumer

credit transaction

(consumer loan)

Either: (1)

manufactured

housing or an

interest in land;

or (2) real estate

Not specified, but

practically within 90

days of taking action

on the application (or

the application is

withdrawn), or at the

date of closing,

whichever is later.

Me. Rev. Stat.

Ann. tit. 9-A, §§

3-313 & 9-309;

tit. 9-B, § 447

Maine Consumer

Credit Code –

Regulation of

Agreements and

Practices

No

Initial Disclosure,

Processing,

Underwriting, &

Closing

NMLS Unique

Identifier

Disclosed on

1003 Uniform

Residential Loan

Application

On Cx4193

(FNMA/FHLMC)



loan

Both

A residential

mortgage loan

A dwelling (as

defined in

Section 103[w] of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

On the application Me. Rev. Stat.

Ann. tit. 9-A, §

13-118

The Maine

Secure and Fair

Enforcement for

Mortgage

Licensing Act of

2009

FNMA 1003 Form -

Uniform

Residential Loan

Application


Closing

Good Faith

Estimate 01-01-

10, HUD-1 01-01-

10, and other

RESPA

Disclosures

Cx14221,

Cx14222, and

other RESPA

disclosures

A loan broker and its

mortgage loan

originators, but

generally excluding


organizations and

supervised lenders

Both

Consumer credit Not specified At various times Me. Rev. Stat.

Ann. tit. 9-A, §

10-307

Maine Consumer

Credit Code –

Loan Brokers

12 CFR Pt. 1024,

App.



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










Proper Name of

Disclosure

Generic Cx

Number

License Type



Required

Closing ME Notice to

Cosigners

Cx1020 A creditor

Both

A consumer

credit transaction

(consumer loan),

which generally

excludes

purchase,

refinance of a

purchase,

construction, and

first lien loans

Manufactured

housing or an

interest in land

Before or

contemporaneously

with signing any


the debtor’s

agreement

Me. Rev. Stat.

Ann. tit. 9-A, § 3-

206

Maine Consumer

Credit Code –

Regulation of

Agreements and

Practices

12 CFR §§

227.14(b)(1),

535.13(c)(1) &

706.3(b)(1) (2013);

16 CFR § 444.3(c)

(2013)

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 estate

Both

A lien Real estate After all filings and

recordings are made

Me. Rev. Stat.

Ann. tit. 33, § 505

No

Closing ME Important

Notice About

Property Taxes

Cx13569 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

Statutory

Guidance

Document

Closing ME Certification

of Smoke and

Carbon

Monoxide Alarms

Cx14524 The purchaser

Both

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)

Certification of

Smoke & Carbon

Monoxide Alarm

for Real Estate

Transfer



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%2FSubpart+A&isCollapsed=true&selectedYearFrom=2013&ycord=1139

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%2FSubpart+A&isCollapsed=true&selectedYearFrom=2013&ycord=845

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=2013&ycord=715

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=2013&ycord=951


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

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

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



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







Proper Name of

Disclosure

Generic Cx

Number

License Type



Required

Closing Notice of

Servicing Transfer

Cx17905

(Federal)

A supervised lender

Both

A supervised

loan

Real estate,

manufactured

housing, or an

interest in land

Before assignment of

the loan

Me. Rev. Stat.

Ann. tit. 9-A, § 2-

310

Maine Consumer

Credit Code –

Finance Charges

and Related

Provisions

12 CFR Pt. 1024,

App. MS-2







Maryland (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure MD Financing

Agreement


(2) a credit grantor

licensed under the

Maryland Mortgage

Lender Law (Md. Code

Ann., Fin. Inst. §§ 11-

501 through 11-524)

Both

A purchase

money loan, or a

refinance, which

is also a first

mortgage or first

deed of trust

Owner-occupied

real property

having a 1-to-4

family dwelling

Within 10

business days

after the date the

application is

completed

Md. Code Ann.,

Com. Law §§ 12-

125(b), 12-922(b),

& 12-1022(b); Md.

Code Regs.

09.03.06.06

No

Initial Disclosure MD Settlement

Services

Disclosure

Cx2361 A lender

Both

Either: (1) a first

mortgage or first

deed of trust; or

(2) any loan

secured by a

mortgage or

deed of trust

A borrower’s

primary residence

At application or

within 3 days

after application,

or earlier upon

request.

Md. Code Ann.,

Com. Law §§ 12-119

& 12-120(c)

No


Insurance

Disclosure


(2) a person

Both

Either: (1) a loan

made under

Subtitle 1, Title 12

of Maryland’s

Commercial Law

(Md. Code Ann.,

Com. Law §§ 12-

101 through 12-

127); or (2) a loan

Not specified Not specified Md. Code Ann.,

Com. Law §§ 12-

124; Md. Code

Ann., Ins. § 27-214

No

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











Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure MD Notice of

Waiver



licensed under the

Maryland Mortgage



501 through 11-524)

Both

A purchase

money loan, or a

refinance, which

is also a first

mortgage or first

deed of trust

Owner-occupied

real property

having a 1-to-4

family dwelling

At least 72 hours

before the time

of settlement

Md. Code Ann.,

Com. Law §§ 12-

125(c)(2), 12-

922(c)(2), & 12-

1022(c)(2); Md.

Code Regs.

09.03.06.14

No

Initial Disclosure MD Application

Disclosure


Maryland Mortgage



501 through 11-524)

Both

A mortgage loan,

which is for the

purchase of

property

An owner-

occupied

dwelling or

residential real

estate on which a

dwelling is (or is

intended to be)

constructed

At the time the

borrower elects

the type of loan

applied for

Md. Code Regs.

09.03.06.09(C)

Maryland Mortgage

Lender Law

No

Initial Disclosure List of

Homeownership

Counseling

Organizations

Cx17874

(Federal)

A lender, including a

licensee under the

Maryland Mortgage


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 Law

Both

Either: (1) a

covered loan,

including a

secondary

mortgage loan;

(2) a mortgage

loan; or (3) a

reverse mortgage

An owner-

occupied

dwelling or

residential real

estate on which a

dwelling is (or is

intended to be)

constructed

At the time the

borrower

completes the

application

Md. Code Ann.,

Com. Law §§ 12-

409.1(d)(2) & 12-

1303; Md. Code

Regs. 05.19.01.03 &

09.03.06.18(C)(1)(b)

Administrative

Advisory Notice







http://www.dsd.state.md.us/comar/getfile.aspx?file=09.03.06.14.htm








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



Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure MD Loan

Commitment



licensed under the

Maryland Mortgage



501 through 11-524)

Both

A purchase

money loan, or a

refinance, which

is also a first

mortgage or first

deed of trust

Owner-occupied

real property

having a 1-to-4

family dwelling

At least 72 hours

before the time

of settlement

Md. Code Ann.,

Com. Law §§ 12-

125(c)(1), 12-922(c),

& 12-1022(c); Md.

Code Regs.

09.03.06.06(C)(2)

Maryland Mortgage

Lender Law

No

Initial Disclosure MD Right to

Rescind After

Written

Application

Cx4177 A lender

Both

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)

No










Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure MD Right to

Rescind Before

Application

Cx4178 A lender

Both

A mortgage loan

for the purchase

of property

A single family

residential real

property

improved by 1-

to-4 single family

units, but not

property that has

never been

occupied or for

which a

certificate of

occupancy has

been issued

within 1 year

before the sales

contract

At or before the

time application

is made

Md. Code Ann.,

Real Prop. § 10-

702(h)(2)(i)

No

Initial Disclosure MD Broker

Contract


broker; (2) a person; or

(3) a licensee under the

Maryland Mortgage



501 through 11-524)

who is acting as a

mortgage broker

Brokers

Either: (1) a loan

or advance of

money; or (2) a

mortgage loan

An owner-

occupied

dwelling or

residential real

estate on which a

dwelling is (or is

intended to be)

constructed

Before

undertaking to

assist the

borrower in

obtaining a loan

Md. Code Ann.,

Com. Law §§ 12-

805(c) & (d) and

12-806; Md. Code

Regs. 09.03.06.07 &

09.03.06.11

Maryland Mortgage

Lender Law

No


Loan Application


Both

Not specified Not specified Not specified Md. Code Ann.,

Fam. Law § 2-201

No











Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure MD Net Tangible

Benefit Worksheet


under the Maryland

Mortgage Lender Law

(Md. Code Ann., Fin.

Inst. §§ 11-501 through

11-524); or (2) a

mortgage loan

originator

Both

A refinance of a

mortgage loan

An owner-

occupied

dwelling or

residential real

estate on which a

dwelling is (or is

intended to be)

constructed

Not specified Md. Code Regs.

09.03.06.20 &

09.03.09.04

Maryland Mortgage

Lender Law

Net Tangible

Benefit Worksheet


Credit Denial,

Termination or

Change

Cx15858

(Federal)

A lender or credit

grantor who is either:

(1) regulated under

Title 12 of Maryland’s

Commercial Law; or (2)

a credit union making

a loan under § 6-601(e)

of the Financial

Institutions Article

Both

Credit or an

extension of

credit

Not specified Within 30 days

after receipt of a

completed

application for

credit

Md. Code Ann.,

Com. Law §§ 14-

1702, 14-1703, 14-

1704, & 14-1705

12 CFR Pt. 1002,

App. C; Form C-1



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

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










Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure,

TILA Redisclosure,

& Closing

Truth-in-Lending

Disclosure or

Initial Truth-in-

Lending

Disclosure

Cx18 (Federal)

or Cx1591

(Federal)

Either:

(1) a lender who

makes loans under

Subtitle 1, Title 12 of

Maryland’s Commercial

Law (Md. Code Ann.,

Com. Law §§ 12-101 et

seq.);

(2) a lender who makes

loans under the

Maryland Consumer

Loan Law – Credit

Provisions (Md. Code

Ann., Com. Law §§ 12-

301 et seq.);

(3) a lender; or

(4) a credit grantor.

Both

Either:

(1) a loan under

Subtitle 1, Title 12

of Maryland’s

Commercial Law

(Md. Code Ann.,

Com. Law §§ 12-

101 et seq.);

(2) a loan under

the Maryland

Consumer Loan

Law – Credit

Provisions (Md.

Code Ann., Com.

Law §§ 12-301 et

seq.);

(3) a mortgage

loan;

(4) a revolving

credit plan; or

(5) a loan (closed-

end credit)

A dwelling or

residential real

estate on which a

dwelling will be

located, which is

owner-occupied

Before execution

of a loan contract

Md. Code Ann.,

Com. Law §§ 12-

106(b), 12-

308(a)(1)(ii), 12-

805(c), 12-914(b), &

12-1014(b)

Maryland

Consumer Loan

Law – Credit

Provisions

12 CFR Pt. 1026,

App. H; Form H-2


Closing

MD Closing

Attorneys Fee

Certification

Cx3513 (upon

request)

A lender

Both

Any loan secured

by a mortgage or

deed of trust, but

excluding

commercial loans

A borrower’s

primary residence

At or prior to

settlement

Md. Code Ann.,

Com. Law § 12-

120(b)

No














Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required


Closing

Maryland DLLR

Disclosure

Cx13900,

Cx13901,

Cx13902 (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

articles

Both

A mortgage loan

which either: (1)

includes a

balloon payment;

(2) does not

provide for the

establishment of

an escrow

account; or (3)

includes a

mandatory

binding

arbitration clause

An owner-

occupied

dwelling or

residential real

estate on which a

dwelling is (or is

intended to be)

constructed

Within 10

business days

after application

is completed and

not less than 72

hours before the

time of

settlement

Md. Code Regs.

09.03.10.03

Administrative


Closing

Good Faith

Estimate 01-01-10

and HUD-1 01-01-

10

Cx14221

(Federal) &

Cx14222

(Federal)


Maryland Mortgage



501 through 11-524)

Both

A mortgage loan A dwelling or

residential real

estate on which

an owner-

occupied

dwelling is (or is

intended to be)

constructed

Various Md. Code Regs.

09.03.06.07(C)

Maryland Mortgage

Lender Law

12 CFR Pt. 1024,

App. A & C


Closing

MD Tax Property

Affidavit

Cx15803 The original mortgagor A mortgage or

deed of trust,

which is a

refinance loan

Real property

which is the

principal

residence of the

original

mortgagor

At closing or

recording

Md. Code Ann.,

Tax-Prop. § 12-

108(g)(3) & (g)(4)

Refinance and

Supplement

Affidavit

(Howard County)







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





Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required


TILA Redisclosure

Notice of Right to

Receive Copy of

Appraisal Report

Cx17903 &

17904 (Federal)

Either: (1) a bank,

mortgage banker,

savings and loan

association, or any

other lender; or (2) a

licensee under the

Maryland Mortgage



501 through 11-524)

Both

A loan

transaction

Either: (1)

residential real

property; or (2)

residential real

estate upon

which an owner-

occupied

dwelling is or will

be located

Not specified Md. Code Ann.,

Real Prop. § 14-

104.1; Md. Code

Regs. 09.03.06.10(C)

Maryland Mortgage

Lender Law

12 CFR Pt. 1002,

App. C; Form C-9

12 CFR §

1026.35(c)(5)(i)

(West 2013)

Closing Automatic

Subordination

Language on MD

Deed of Trust and

MD Deed of Trust

FHA

Cx329

(FNMA/FHLMC)

and Cx382

(FHA)

Not specified

Both

A refinance

mortgage, which

has a lower

interest rate than

and a principal

amount equal to

the unpaid

outstanding

principal balance

of the loan being

refinanced

(plus $5,000)

Residential

property,

consisting of real

property

improved by 1-

to-4 family

dwelling units

On the security

instrument

Md. Code Ann.,

Real Prop. § 7-112

Statutory

FNMA Form 3021 -

Maryland





http://www.gpo.gov/fdsys/browse/collectionCfr.action?collectionCode=CFR&searchPath=Title+12%2FChapter+X%2FPart+1026%2FSubpart+E&oldPath=Title+12%2FChapter+X%2FPart+1026%2FSubpart+C&isCollapsed=true&selectedYearFrom=2013&ycord=2040






Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Closing Affidavits of

Consideration and

Disbursement on

MD Deed of Trust,

MD Deed of Trust

FHA, and MD

Deed of Trust

Second

On Cx329

(FNMA/FHLMC),

Cx382 (FHA), &

Cx487

The mortgagee or

party secured by the

mortgage

Lenders

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)

FNMA Form 3021 -

Maryland

Closing Provision of

Attorney and

Court Fees in MD

Deed of Trust, MD

Deed of Trust

Second, MD Deed

of Trust FHA, and

HELOC

Agreement – MD

On Cx329

(FNMA/FHLMC),

Cx382 (FHA),

Cx487, &

Cx3035

A credit grantor

Both

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

FNMA Form 3021 -

Maryland

Closing MD First Time

Home Buyer

Affidavit


Both

Not specified, but

practically a loan

in which the

property is

conveyed

Owner-occupied,

residential real

property

At recording Md. Code Ann.,

Tax-Prop. §§ 12-

103(b)(2) & (b)(3),

13-203(b)(4), and

13-409

No













Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Closing MD Licensee

Information or

Affidavit


licensed under the

Maryland Mortgage

Lender Law or a

mortgage loan

originator licensed

under Subtitle 6, Title

11 of Maryland’s

Financial Institutions

Code, or a person

exempt from licensing

under either.

Both

A mortgage loan Residential

property,

improved by 1-

to-4 single family

dwelling units

When the

security

instrument is

recorded

Md. Code Ann.,

Real Prop. § 3-

104.1; Md. Code

Regs.

09.03.06.07(D) &

09.03.11.02(B)

Maryland Mortgage

Lender Law

Administrative

Closing MD Written

Acknowledgement

of Delivery of the

Note

Cx16099 A credit grantor

Both

Either: (1) a plan

(aka a revolving

credit plan); or (2)

a loan (closed

end credit)

Not specified No later than the

time of

consummation

Md. Code Ann.,

Com. Law §§ 12-

913.2(c) & 12-

1013.2(c)

No

Closing MD Delivery of

Net Proceeds

Authorization

Cx16100 A lender

Both

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

net proceeds,

deducting

charges, interest,

expenses, or

advancing escrow

and charges due

from the

borrower

Md. Code Ann.,

Real Prop. § 4-

106(b)(2)

No













Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Closing MD Property Tax

Installment

Direction

Cx17045 (upon

request)

Not specified

Both

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)

No

Closing MD Addendum to

HELOC

Agreement and

MD Addendum to

Promissory Note

Cx17451 &

17452

A credit grantor

Both

Either: (1) a

revolving credit

plan; or (2) closed

end credit

Not specified Not specified Md. Code Ann.,

Com. Law §§ 12-

913.1 & 12-1013.1;

Md. Regs. Code

09.03.06.08(B)

Instructions to

FNMA Form 3200 –

Multistate Fixed-

Rate Note














Massachusetts (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Requirement

Initial Disclosure MA Addendum

to Uniform

Residential Loan

Application


or (2)

a licensee under Mass.

Gen. Laws Ann. ch.

255E and Mass. Regs.

Code tit. 209, § 42.00

Both

Either: (1) a

mortgage loan;

or (2) a

residential

mortgage loan

A 1-to-4 family

dwelling on

residential

property

occupied (or to

be occupied) by

the obligor

On the

application

Mass. Gen. Laws

Ann. ch. 184, §

17B; Mass. Regs.

Code tit. 209, §

42.12 & 42.14

No

Initial Disclosure MA High Cost

Loan Insurance

Disclosure

Cx3745 A creditor

Both

A high cost home

loan

A consumer’s

principal

dwelling,

consisting of 1-

to-4 units,

regardless of

whether it is

attached to real

property

At least 3

business days

before the loan is

closed

Mass. Regs. Code

tit. 209, §§

32.34(2)(a) &

40.07(2)

No


Loan Payment

Disclosure and

Section 32

Mortgage Loan

Disclosure

Cx3746,

Cx17901

(Federal), and

Cx17902

(Federal)

Either: (1) a creditor; or

(2) a lender, including a

financial institution

Both

A high cost home

loan

A consumer’s

principal

dwelling,

including a 1-to-

4unit 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)

Administrative

12 CFR Pt. 1026,

App. H, Form H-16

https://malegislature.gov/Laws/GeneralLaws/PartII/TitleI/Chapter184/Section17B

http://www.mass.gov/ocabr/licensee/license-types/banks-banking/application-forms-banking/apply-for-or-amend-a-license/mortgage-companies/209-cmr-4200-the-licensing-of-mortgage.html

http://www.mass.gov/ocabr/licensee/license-types/banks-banking/application-forms-banking/apply-for-or-amend-a-license/mortgage-companies/209-cmr-4200-the-licensing-of-mortgage.html

http://www.mass.gov/courts/case-legal-res/law-lib/laws-by-source/cmr/200-299cmr/209cmr.html







Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Requirement


Insurance

Cx3750 Either: (1) a person,

firm, or corporation; (2)

a bank, lending

institution, mortgage

company, or any

mortgagee; or (3) a

bank, including a

federal bank and

lenders

Both

Either: (1) a loan

of money; (2) a

loan of money or

extension of

credit; (3) a

mortgage loan;

or (4) an

extension of

credit

Either: (1) real

property; (2)

property; (3)

property which is

the subject of the

mortgage; or (4)

not specified

At the time the

customer applies

for an extension

of credit

Mass. Gen. Laws

Ann. ch. 175, §

193E; ch. 176D, §

4; & ch. 183, § 66;

Mass. Regs. Code

tit. 209, § 49.06(5)

No

Initial Disclosure MA Borrower’s

Interest

Worksheet

Cx5771 A lender

Both

A home loan

which refinances

another home

loan within 60

months prior to

application

Real estate

improved with a

1-to-4 family

dwelling,

occupied by the

borrower

No later than

closing

Mass. Gen. Laws

Ann. ch. 183, §

28C, Mass. Regs.

Code tit. 209, §§

53.03, 53.04, &

53.07

No

Initial Disclosure MA No

Doc/Limited Doc

Disclosure

Cx13093 A mortgage broker or

a mortgage lender

Both

A “no

documentation”

mortgage loan,

but excluding

certain reverse

mortgages and

open-end home

equity lines of

credit

Residential

property,

consisting of a

dwelling house

with

accommodations

for 1-to-4

separate

households that

is (or is intended

to be) occupied

by the obligor

(either in whole

or in part)

In advance of the

closing

Mass. Regs. Code

tit. 940, § 8.06(16)

No

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

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

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


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







Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Requirement

Initial Disclosure MA Counseling

Disclosure

Cx13391 A mortgagee

Both

An adjustable-

rate subprime

loan

Owner-occupied,

1-to-4 family

residential

property

At or before

closing

Mass. Gen. Laws

Ann. ch. 184, §

17B½ Division of

Banks Regulatory

Bulletin 1.3-104

No


Loan Application


Both


but practically at

application

Goodridge v.

Dep’t of Pub.

Health, 440 Mass.

309 (2003)

No

Initial Disclosure MA Mortgage

Loan Rate Lock

Commitment

Cx13544 or

Cx14521 (upon

request)

A mortgage lender

licensed under Mass.

Gen. Laws Ann. ch.

255E and Mass. Regs.

Code tit. 209, § 42.00

Both

A mortgage loan Residential

property having

thereon a

dwelling house

with

accommodations

for 1-to-4

households and

occupied (or to

be occupied) by

the obligor (in

whole or in part)

Prior to taking a

rate lock

commitment fee,

or otherwise

offering or

entering into a

lock commitment

Mass. Regs. Code

tit. 209, §

42.11A(4)

No


Home Loan

Disclosure

Cx14937 A creditor, other than a

broker

Both

A high cost home

loan

A consumer’s

principal

dwelling,

consisting of 1-

to-4 units,

regardless of

whether it is

attached to real

property

Not specified Mass. Regs. Code

tit. 209, §

32.32(3)(a)

through (e)

Partial

Administrative

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

http://www.mass.gov/ocabr/banking-and-finance/laws-and-regulations/dob-regulatory-bulletins/banks-credit-unions-licensees/regulatory-bulletin-13-104-counseling-and.html






Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Requirement

Initial Disclosure Statement of

Credit Denial,

Termination, or

Change

On Cx15858

(Federal)

Either: (1) the user of

the consumer report

which formed the basis

for adversely affecting

a consumer; or (2) a

mortgagee

Both

Either: (1) credit;

or (2) a

residential

mortgage loan

Residential real

property of 1- to-

4 separate

households

occupied (or to

be occupied) by

the applicant (in

whole or in part)

Within 10

business days of

deciding to take

adverse action

Mass. Gen. Laws

Ann. ch. 93, § 62;

ch. 183, § 64

Partial Statutory

12 CFR Pt. 1002,

App. C; Form C-1

Initial Disclosure Section 32

Mortgage Loan

Disclosure

Cx17901 &

17902 (Federal)



excluding lenders

subject to Mass. Regs.

Code tit. 209, § 40.03

and brokers

Both

A high cost home

loan

A consumer’s

principal dwelling


tit. 209, §

40.04(1), (2), (3),

(4), & (5)

Partial

Administrative

Initial Disclosure MA Additional

Broker Fee

Authorization

Cx18932 (upon

request)

A mortgage lender or a

mortgage broker

Both

A mortgage loan,

excluding reverse

mortgages and

open-end home

equity lines of

credit

Residential

property,

consisting of a

dwelling house

with

accommodations

for 1-to-4

separate

households and

occupied (or to

be occupied) by

the obligor (in

whole or in part)


tit. 940, § 8.06(4)

No

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








Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Requirement

Initial Disclosure MA Conflict of

Interest

Disclosure

Cx18933 (upon

request)

A mortgage broker

Brokers

A loan,

presumably a

mortgage loan,

but excluding

certain reverse

mortgages and

open-end home

equity lines of

credit

Residential

property,

consisting of a

dwelling house

with

accommodations

for 1-to-4

separate

households that

is (or is intended

to be) occupied

by the obligor

(either in whole

or in part)

Before

processing,

making, or

arranging the

loan

Mass. Regs. Code

tit. 940, § 8.06(17)

No

Initial Disclosure MA Commitment

Agreement

CX18934 (upon

request)

A bank

Both

A mortgage on

real estate

Real estate Not specified Mass. Gen. Laws

Ann. ch. 167F, §

2A(b)(4)(iii)

No

Initial Disclosure MA Insurance

Disclosure (Credit

Unions)

Cx18935 (upon

request)

Either: (1) a credit

union; or (2) a federal

credit union

Both

Not specified Not specified Not specified Mass. Gen. Laws

Ann. ch. 171, §

75B(b)(6); Mass.

Regs. Code tit.

209, § 49.06A(7)

No


https://malegislature.gov/Laws/GeneralLaws/PartI/TitleXXII/Chapter167F/Section2A

https://malegislature.gov/Laws/GeneralLaws/PartI/TitleXXII/Chapter171/Section75B




Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Requirement


Statement


organization (CSO)

Brokers

An extension of

credit for

consumer

purposes


execution of a

contract or other

form of

agreement

between a buyer

and a CSO or

before the CSO

receives any

consideration,

whichever occurs

first

Mass. Gen. Laws

Ann. ch. 93, § 68C

No


organization (CSO)

Brokers

An extension of

credit for

consumer

purposes

Not specified Not specified Mass. Gen. Laws

Ann. ch. 93, §

68D

Statutory


Closing

Notice of

Required Flood

Insurance and

MA Flood

Insurance Notice

Cx10 and

Cx18930

A creditor or a

creditor’s

representative

Both

A mortgage in

connection with

which flood

insurance is

required

Residential

property

At the time the

purchaser or

owner of the

residential

property is

notified of the

need to purchase

or pay for flood

insurance

Mass. Gen. Laws

Ann. ch. 183, § 69

Statutory

https://malegislature.gov/Laws/GeneralLaws/PartI/TitleXV/Chapter93/Section68C

https://malegislature.gov/Laws/GeneralLaws/PartI/TitleXV/Chapter93/Section68D



Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Requirement

Initial Disclosure, TILA

Redisclosure, & Closing

State Truth-in-

Lending Act

Disclosures

Complied with by

Federal Truth-in-

Lending Act

Disclosures

Cx18, Cx1591,

Cx8204,

Cx15444, and

other TILA

Disclosures (all

Federal)

Various, but primarily

creditors

Both

Various, but

primarily a

consumer credit

transaction

Various, but

primarily a

dwelling, which is

a residential

structure or

mobile home

containing 1-to-4

family housing

units, or

individual units

of condos or co-

ops

Various Mass. Gen. Laws

Ann. ch. 140D, §§

1 through 35;

Mass. Regs. Code

tit 209, §§ 32.01

through 32.58

12 CFR Pt. 1026,

App. G & H


Closing

MA Certification

and

Indemnification

Agreement


Both

Not specified,

but practically a

purchase loan

1-to-5 family

dwellings

occupied in

whole or in part

for residential

purposes

Not specified,

but practically

upon the sale or

transfer of the

building and/or

structure

Mass. Gen. Laws

Ann. ch. 148, §§

26E & 26F; Mass.

Regs. Code tit.

946, § 7.14

No

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





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

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




Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Requirement


TILA Redisclosure

Initial Truth-in-

Lending

Disclosure and

Good Faith

Estimate 01-01-

10

Cx1591

(Federal) and

Cx14221

(Federal)

A mortgage lender or a

mortgage broker

Both

A mortgage loan,

excluding reverse

mortgages and

open-end home

equity lines of

credit

Residential

property,

consisting of a

dwelling house

with

accommodations

for 1-to-4

separate

households and

occupied (or to

be occupied) by

the obligor (in

whole or in part)


tit. 940, § 8.05

12 CFR Pt. 1024,

App. A & Pt. 1026,

App. H

Initial Disclosure,

Processing,

Underwriting, &

Closing

MA High Cost

Loan Application

Disclosure, HCL

Notice on 1003

Uniform

Residential Loan

Application, and

Section 32

Mortgage Loan

Disclosure

Cx3742, on

Cx4193

(FNMA/FHLMC),

Cx17901

(Federal), and

Cx17902

(Federal)

Either: (1) a creditor,

excluding a broker; or

(2) a lender, including a


excluding a broker

Both

A high cost home

loan

A consumer’s

principal

dwelling,

including a 1-to-

4-unit dwelling,

regardless of

whether it is

attached to real

property.

On the

application

(4193) or within

24 hours after

determining that

the loan is a high

cost home loan

(3742).

Mass. Regs. Code

tit. 209, §§

32.32(3)(f)(1) &

40.04(6)(a)

Administrative

FNMA 1003 Form -

Uniform Residential

Loan Application

12 CFR Pt. 1026,

App. H, Form H-16


Adverse Action

MA Mortgage

Review Board

Notice

Cx3852 A mortgagee

Lenders

A residential

mortgage loan

Residential

property of 1-to-

4 units and

occupied by the

mortgagor (in

whole or in part)

At the time of

denial

Mass. Gen. Laws

Ann. ch. 167, §

14A

No










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



Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Requirement

Initial Disclosure,

Processing,

Underwriting, &

Closing

NMLS Unique

Identifier

Disclosed on

1003 Uniform

Residential Loan

Application

On Cx4193

(FNMA/FHLMC)



loan, including a

licensed mortgage loan

originator under Mass.

Gen. Laws Ann. ch.

255F and Mass. Regs.

Code tit. 209, § 41.00

Both

A residential

mortgage loan

A dwelling (as

defined in

Section 103[w] of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

On the

application

Mass. Gen. Laws

Ann ch. 255F, §

18; Mass. Regs.

Code tit. 209, §

41.12(2)

FNMA 1003 Form -

Uniform Residential

Loan Application


Closing

MA Insurance

Disclosure

Cx16146 (upon

request)

A bank that sells

insurance products

Both

An extension of

credit


but practically

before an

applicant

becomes an

insurance

customer

Mass. Gen. Laws.

Ann. ch. 167F, §

2A(b)(6); Mass.

Regs. Code tit.

209, § 49.06(7)

No

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





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




Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Requirement

Closing Mortgage

originator

information on

MA Mortgages

and the MA

Assignment of

Mortgage

On Cx328

(FNMA/FHLMC),

Cx381 (FHA),

Cx486, Cx1322,

& Cx1531

A mortgagee

A mortgage loan

Either: (1) real

property having

thereon a

dwelling with

accommodations

for 1-to-4

households and

occupied (or to

be occupied) by

the obligor (in

whole or in part);

or (2) a 1-to-4

family dwelling,

including condos,

co-ops, and

manufactured

homes, that is

the principal

residence of the

owner

On the mortgage Mass. Gen. Laws

Ann. ch. 183, §§

6D & 21 and ch.

188, § 7

No

FNMA Form 3022 -

Massachusetts

Closing MA Lead Paint

Indemnification

Agreement and

MA Property

Transfer Lead

Paint Notification

Cx1283;

Cx15777 (upon

request)

The seller

Both

Not specified,

but practically a

purchase

Premises,

meaning

dwellings built

before 1978

Prior to seller

signing a

purchase and

sale agreement.

Mass. Gen. Laws

Ann. ch. 111, §

197A; Mass.

Regs. Code tit.

105, § 460.720

Property Transfer

Lead Paint

Notification,

Property Transfer

Certification Form

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





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


http://www.mass.gov/eohhs/gov/departments/dph/programs/environmental-health/exposure-topics/lead/lead/property-transfer-lead-paint-notification.html







Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Requirement


(Federal)

A mortgagee, a

mortgage lender, or a

mortgage broker

Both

A mortgage

transaction

Residential

property

consisting of 1-

to-4 units and

occupied by the

mortgagor (in

whole or in part)

Before charging a

loan fee, finder’s

fee, or points

Mass. Gen. Laws

Ann. ch. 183, § 63

12 CFR Pt. 1024,

App. A

Closing MA Certification

of Carbon

Monoxide

Detector

Cx15578 (upon

request)

Not specified

Both

Not specified,

but practically a

purchase loan

A dwelling,

building, or

structure used in

whole or in part

for residential

purposes

Upon sale or

transfer of the

property

Mass. Gen. Laws

Ann. ch. 148, §

26F½; Mass.

Regs. Code tit.

527, § 31.06

No

Closing MA Condo

Notice

Cx15381 A mortgagee

Lenders

A mortgage A condominium

unit

After recording Mass. Gen. Laws

Ann. ch. 183A, §

4(5)

No




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


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



Michigan (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required


Insurance

Cx3750 Either: (1) a credit

granting institution; (2)

a licensee or registrant

under The Secondary

Mortgage Loan Act; or

(3) a lender

Both

Either: (1) a

mortgage loan;

(2) a secondary

mortgage loan;

or (3) a loan

Either: (1) Real

property

designed for

occupancy by 1-

to-4 families,

including single

unit condos or

coops, and

residential

dwellings; or (2)

real property that

is used as a

dwelling

When the

applicant

inquiries 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


organization (CSO)

Brokers

An extension of

credit

Not specified Not specified Mich. Comp.

Laws Ann. §

445.1823(k)

Credit Services

Protection Act

No

Initial Disclosure MI Lock-In

Agreement

Cx17192

(upon request)


Both

A mortgage loan Not specified Not specified Mich. Comp.

Laws Ann. §

445.1673(2)

No

Initial Disclosure MI Commitment

Agreement

Cx17163

(upon request)

Financial Institution

Both

A mortgage loan Not specified Not specified Mich. Comp.

Laws Ann. §§

445.1672(k) &

566.132(2)

No

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

http://www.legislature.mi.gov/(S(xewetx55m4rvzfqllamaqzjw))/mileg.aspx?page=getObject&objectName=mcl-493-72



http://www.legislature.mi.gov/(S(pxxsgzuph2zsjyquwj5okq55))/mileg.aspx?page=getObject&objectName=mcl-445-1823



Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure MI Notice to

Borrower

Cx22088

(upon request)

A credit granting

institution

Both

A mortgage loan

or a home

improvement

loan

Real estate After a person makes

a loan inquiry relating

to the prospects of

obtaining a loan

Mich. Comp.

Laws Ann. §

445.1602(9) &

(10)

Notice to Borrower

Adverse Action Statement of Credit

Denial, Termination,

or Change

15858 (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)

12 CFR Pt. 1002,

App. C; Form C-1

Initial Disclosure,

Processing,

Underwriting, &

Closing

NMLS Unique


on 1003 Uniform

Residential Loan

Application

On Cx4193

(FNMA/FHLMC)



loan

Both

A residential

mortgage loan

A dwelling (as

defined in

Section 103[w] of

TILA) or

residential real

estate on which a

person has (or

intends to)

construct a

dwelling

On the

application

Mich. Comp.

Laws Ann. §

493.171

Mortgage Loan

Originator

Licensing Act

FNMA 1003 Form -

Uniform Residential

Loan Application

Closing Marital Status

Disclosed on MI

Mortgage1

On Cx331

(FNMA/FHLMC),

Cx384 (FHA),

Cx489, and

Cx1393

Not specified, but

practically the

mortgagee

Both

A mortgage Real estate At recording Mich. Comp.

Laws Ann. §

565.221

FNMA Form 3023 -

Michigan

http://www.michigan.gov/difs/0,5269,7-303-13167---,00.html












Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Closing MI Principal

Residence

Exemption (PRE)

Affidavit

Cx995 Not specified

Both

Not specified A principal

residence

Not specified Mich. Comp.

Laws Ann. §

211.7cc

The General

Property Tax Act

Tax Form 2368

Closing MI Property Transfer

Affidavit

Cx996 The buyer, grantee, or

other transferee of the

property

Both

Not specified, but

practically a

purchase or a

renewal in which

the beneficiaries

of the loan

change

Property Within 45 days of

the transfer of

ownership

Mich. Comp.

Laws Ann. §

211.27a(10)

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

seller

Both

Not specified, but

practically a

purchase

transaction

The seller’s

principal

residence

Not more than 90

days after

exempted

property is no

longer used as a

principal

residence by the

seller

Mich. Comp.

Laws Ann. §

211.7cc(5)

The General

Property Tax Act

Tax Form 2602

Closing MI Addendum to

Mortgage-

Homestead and

Dower Waiver

Cx7786 (upon

request)

Not specified

Both

A mortgage to

secure the

payment of

purchase money

Either: (1) land; or

(2) a homestead

Not specified, but

practically at or

by closing

Mich. Comp.

Laws Ann. §§

558.4 & 600.6023

Revised

Judicature Act of

1961

No

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

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-211-27a


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


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-600-6023



Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Closing HUD 01-01-10 Cx14222

(Federal)

A state or national

bank, an insurance

company, or a lender

approved as a

mortgagee under the

National Housing Act

or regulated by a

federal agency

Both

A loan Not specified Upon closing of

the loan

Mich. Comp.

Laws Ann. §

438.31b

12 CFR Pt. 1024,

App. A


Minnesota (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure MN 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)

Minnesota

Residential

Mortgage

Originator and

Servicer Licensing

Act

Statutory

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


https://www.revisor.mn.gov/statutes/?id=58.137



Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure MN Originator

Non-agency

Disclosure


originator or an

exempt person,

excluding mortgage

brokers, who does not

accept an advance fee

Both

A residential

mortgage loan

Residential real

property,

improved (or

intended to be

improved) by a

structure of 1-to-

4 family units

Within 3 business

days of accepting

an application.

Minn. Stat. Ann. §

58.15

Minnesota

Residential

Mortgage

Originator and

Servicer Licensing

Act

Statutory

Initial Disclosure MN Residential

Mortgage

Originator

Contract


originator who either:

(a) solicits or receives

an advance fee; or (b)

offers to act as an

agent of the borrower

Brokers

A lien on

residential real

estate

Residential real

property,

improved (or

intended to be

improved) by a

structure of 1-to-

4 family units

When soliciting or

receiving an

advance fee for

assisting in

finding a loan, or

offers to act as an

agent of the

borrower.

Minn. Stat. Ann. §

58.16

Minnesota

Residential

Mortgage

Originator and

Servicer Licensing

Act

No


Insurance

Disclosure

Cx3750 Either: (1) a company;

or (2) a person, firm, or

corporation or an

agent or broker of a

purchaser

Both

A loan of money

secured by real

property

Property,

including real

property

Not specified Minn. Stat. Ann.

§§ 65A.09, 65A.10,

& 72A.31

No



https://www.revisor.mn.gov/statutes/?id=65A.09





Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required


Benefit Worksheet


originator or servicer

(including a licensee

under the Minnesota


Originator and Servicer

Act), or an exempt

person

Both

A residential

mortgage loan

which refinances

a residential

mortgage loan

Residential real

property,

improved (or

intended to be

improved) by a

structure of 1-to-

4 family units

Not specified Minn. Stat. Ann. §

58.13(1)(a)(25)

Minnesota

Residential

Mortgage

Originator and

Servicer Licensing

Act

No


Loan Application


Both

Not specified Not specified Not specified Minn. Stat. Ann. §

517.01

No

Initial Disclosure MN Lower

Investment Grade

Disclosure

Cx18227 (upon

request)

Residential mortgage

originators, servicers,

and otherwise exempt

persons

Both

A residential

mortgage loan

which has a

lower investment

grade than what

the borrower

qualifies for

Residential real

property,

containing a 1-

to-4 family

structure

Before making,

providing, or

arranging for the loan

Minn. Stat. Ann. §

58.13(1)(a)(18)

Minnesota

Residential

Mortgage

Originator and

Servicer

Licensing Act

No

Initial Disclosure MN Lock-in

Agreement

Cx18228 A lender

Both

A “conventional

loan” or a

cooperative loan

of less than

$200,000

Not specified

directly, but real

properties not

containing more

than one

residential unit

are included

At the time of offering

such an agreement is

made

Minn. Stat. Ann.

§§ 47.20(2):(7) &

47.206(2) & (3)

No








Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure MN Commitment

Agreement

Cx18229 A lender

Both

A “conventional

loan” or a

cooperative loan

of less than

$200,000

Not specified

directly, but real

properties not

containing more

than one

residential unit

are included

At the time of offering

such an agreement is

made

Minn. Stat. Ann.

§§ 47.20(2):(8) &

47.206

No


Statement


organization (CSO)

Brokers

An extension of

credit for

consumer

purposes

Not specified Before the execution

of a contract or

agreement between

the buyer and the CSO

or before the CSO

receives any

consideration,

whichever occurs first

Minn. Stat. Ann. §

332.57

Statutory


organization (CSO)

Brokers

An extension of

credit for

consumer

purposes

Not specified Not specified Minn. Stat. Ann. §

332.58

Statutory


Closing

MN Private

Mortgage

Insurance

Disclosure

Cx2530 A servicer

Both

A residential

mortgage loan

Residential real

property, include

co-operatives

Annually. Must be

given with respect

to each future

residential

mortgage loan

Minn. Stat. Ann. §

47.207(3)(a)

Statutory








Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure,

Processing,

Underwriting, &

Closing

NMLS Unique

Identifier

Disclosed on 1003

Uniform

Residential Loan

Application

On Cx4193

(FNMA/FHLMC)



loan

Both

A residential

mortgage loan

A dwelling (as

defined in 15

USCA § 1602[v])

or residential real

estate upon which

a dwelling is (or is

intended to be)

constructed

On the

application

Minn. Stat. Ann. §

58A.20

Minnesota S.A.F.E.

Mortgage

Licensing Act of

2010

FNMA 1003 Form -

Uniform Residential

Loan Application


TILA Redisclosure

MN Disclaimer of

Loan Terms

Cx18230 A lender

Both

A “conventional

loan” or a

cooperative loan

of less than

$200,000

Not specified

directly, but real

properties not

containing more

than one

residential unit

are included

With an oral or

written statement

of current loan

terms

Minn. Stat. Ann. §

47.206(5)

No

Closing Truth-in-Lending

Disclosure

Cx18 (Federal) A licensee under the

Minnesota Regulated

Loan Act

Both

A loan Not specified At the time any

loan is made

Minn. Stat. Ann. §

56.14(1)

Minnesota

Regulated Loan

Act

12 CFR Pt. 1026,

App. H; Form H-2

Closing Purchase Money

Caption on MN

Mortgage and

MN Mortgage

FHA

Cx332

(FNMA/FHLMC)

& Cx385 (FHA)

A mortgagee

Both

A purchase-

money mortgage

Either: (1) a

homestead; or (2)

real property

On the mortgage Minn. Stat. Ann.

§§ 507.02 &

507.03

FNMA Form 3024













Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Closing Copy of Note,

Mortgage, and

Notice of Sale

Clause in all MN

Mortgages

Cx332

(FNMA/FHLMC)

& Cx490

A lender

Both

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 mortgage Minn. Stat. Ann. §

47.20(8)

FNMA Form 3024 -

Minnesota

Closing MN Notice of

Right to

Discontinue

Escrow


broker

Both

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)

Statutory

Closing MN Abstract of

Title Notice

Cx1600 A person who transfers

or offers to transfer an

abstract title

Both

Not specified, but

practically a

mortgage

Real estate When transferring

or offering to

transfer an

abstract of title.

Minn. Stat. Ann. §

386.375(3)

Available from the

Department of

Commerce

Closing MN Prepayment

Disclosure at

Closing


originator, including a

lender or 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 3 days

before the

borrower signs

the note

Minn. Stat. Ann. §

58.137(2)(b)

Minnesota

Residential

Mortgage

Originator and

Servicer Licensing

Act

Statutory









Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Closing MN Homestead

Disclosure


Minnesota Regulated

Loan Act

Both

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)

Minnesota

Regulated Loan

Act

Statutory

Closing MN Disclosure of

Lenders

Cx5083 (upon

request)


originator (practically

applies only to brokers)

Brokers

A residential

mortgage loan

Residential real

property,

improved (or

intended to be

improved) by a

structure of 1-to-

4 family units

At the expiration

of the originator

contract

Minn. Stat. Ann. §

58.16(7)

Minnesota

Residential

Mortgage

Originator and

Servicer Licensing

Act

No

Closing Addendum to the

Mortgage –

Request for

Notice

Cx7787 A person having a

redeemable interest in

the real property

Lenders

A mortgage Real property Not specified Minn. Stat. Ann. §

580.032

No

Closing MN Well

Disclosure

Statement

Cx14301 (upon

request)

A seller or the buyer

Both

Not specified, but

practically a

purchase loan

Real property,

excluding

individual

condominium

units

At the time of

closing

Minn. Stat. Ann. §

103I.235

Well Disclosure

Certificate Form

Closing Notice of

Servicing Transfer

Cx17905

(Federal)

A lender

Both

A mortgage loan A 1-to-4 family,

owner-occupied

residence

No more than 10

days after the

actual date of

transfer

Minn. Stat. Ann. §

47.205

12 CFR Pt. 1024,

App. MS-2




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

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

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





Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Closing MN Request for

Notice of

Foreclosure

Cx18225 A person having a

redeemable interest in

real property

Both

A mortgage Real property Not specified Minn. Stat. Ann.

§§ 580.032,

582.032, & 582.32

No

Closing MN Non-Finance

Charge Disclosure


Both

An open-end

credit account


account is

established

Minn. Stat. Ann. §

47.59(12)(a)

Statutory








Mississippi (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required


Insurance

Disclosure

Cx2778 A vendor or lender

Both

A loan of money Real property Not specified Miss. Code Ann. §

83-5-35(h)

No

Initial Disclosure MS Mortgage

Origination

Agreement/Fee

Disclosure

Agreement


Mississippi S.A.F.E.

Mortgage Act (Miss.

Code Ann. §§ 81-18-1

through 81-18-63)

Both

A residential

mortgage loan

A dwelling (as

defined in Section

103[w] of TILA) or

residential real

estate upon which

is (or is intended

to be) constructed

a dwelling

Not specified, but

practically before

performing any

origination

services

Miss. Code Ann. §

81-18-33(1)(a)


Mortgage Act

Partial Statutory

MS Mortgage

Origination

Agreement (in

Quick Links)


Estimate 01-01-10

Cx14221

(Federal)



Mortgage Act (Miss.

Code Ann. §§ 81-18-1

through 81-18-63)

Both

A residential

mortgage loan

A dwelling (as

defined in Section

103[w] of TILA) or

residential real

estate upon which

is (or is intended

to be) constructed

a dwelling

Not specified, but

practically no later

than 3 business

days after receipt

of an application

Miss. Code Ann. §

81-18-33(1)(d)


Mortgage Act

12 CFR Pt. 1024,

App. C

Initial Disclosure MS Lock-in

Agreement



Mortgage Act (Miss.

Code Ann. §§ 81-18-1

through 81-18-63)

Both

A residential

mortgage loan

A dwelling (as

defined in Section

103[w] of TILA) or

residential real

estate upon which

is (or is intended

to be) constructed

a dwelling

Before collecting

a lock-in fee

Miss. Code Ann.

§§ 81-18-28(2) &

81-18-33(1)(f);

Miss. Admin.

Code 5-2:1.11


Mortgage Act

No

https://courts.ms.gov/mscode/mscode.html


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








http://www.sos.ms.gov/Admincodesearch/



Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure MS Insurance

Disclosure

Cx20580

(Upon Request)


offering,

recommending,

sponsoring, or selling

insurance

Both

A loan Not specified Prior to or at the

time of the

execution of any

application for

insurance

Miss. Admin.

Code 19-

1:23.11(A) & (B)

No

Initial Disclosure MS Insurance

Disclosure

Acknowledgment

of Receipt

Cx20581

(Upon Request)


offering,

recommending,

sponsoring, or selling

insurance

Both

A loan Not specified Prior to or at the

time of the

execution of any

application for

insurance

Miss. Admin.

Code 19-1:23.11

No

Initial Disclosure,

TILA Redisclosure,

& Closing

TILA Disclosures Cx18, Cx1591,

and other TILA

Disclosures (all

Federal)



Mortgage Act (Miss.

Code Ann. §§ 81-18-1

through 81-18-63)

Both

A residential

mortgage loan

A dwelling (as

defined in Section

103[w] of TILA) or

residential real

estate upon which

is (or is intended

to be) constructed

a dwelling

Various times Miss. Code Ann. §

81-18-33(1)(g)


Mortgage Act

12 CFR Pt. 1026,

App. H

Initial Disclosure,

Processing,

Underwriting, &

Closing

1003 Uniform

Residential Loan

Application,

including NMLS

Unique Identifier

disclosed thereon

On Cx4193

(FNMA/FHLMC)

Either: (1) any person

originating a residential

mortgage loan; or (2) a

licensee under the


Mortgage Act (Miss.

Code Ann. §§ 81-18-1

through 81-18-63)

Both

A residential

mortgage loan

A dwelling (as

defined in Section

103[w] of TILA) or

residential real

estate upon which

is (or is intended

to be) constructed

a dwelling

On the

application

Miss. Code Ann.

§§ 81-18-31(f) and

81-18-33(1)(b) &

(h)


Mortgage Act

FNMA 1003 Form -

Uniform Residential

Loan Application














Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required


(Federal)



Mortgage Act (Miss.

Code Ann. §§ 81-18-1

through 81-18-63)

Both

A residential

mortgage loan

A dwelling (as

defined in Section

103[w] of TILA) or

residential real

estate upon which

is (or is intended

to be) constructed

a dwelling

Not specified, but

practically at

closing

Miss. Code Ann. §

81-18-33(1)(c)


Mortgage Act

12 CFR Pt. 1024,

App. A






Missouri (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required


Insurance

Disclosure


money or extends


insurance

Both

A credit

extension,

including a

residential

mortgage

Real property,

including

residential

property

Not specified, but

practically before

closing

Mo. Ann. Stat. §

375.937(3)

Unfair Trade

Practice Act

No


Fee/Application

Disclosure

Cx2783 A state financial

institution

Both

A loan,

presumably a

residential real

estate loan, which

generally

excludes

refinances

Residential real

estate, consisting

of 1-to-4 family

units

Upon receipt of a

written

application

Mo. Ann. Stat. §

408.580(2)

No

Initial Disclosure MO Loan

Brokerage

Disclosure

Statement and

Agreement


loan broker

Both

A residential

mortgage loan

A dwelling or

residential real

estate upon is (or

is intended to be)

constructed a

dwelling, as

defined by TILA

Not specified Mo. Ann. Stat. §

443.867

Missouri Secure

and Fair

Enforcement for

Mortgage

Licensing Act

No

Initial Disclosure MO Lock-in

Agreement

Cx16677 A lender

Lenders

A residential

mortgage loan

A dwelling or

residential real

estate upon is (or

is intended to be)

constructed a

dwelling, as

defined by TILA

Not specified, but

practically before

a rate-lock fee is

collected

Mo. Code Regs.

Ann. tit. 20, §

1140-30.280

Missouri Secure

and Fair

Enforcement for

Mortgage

Licensing Act

No

http://www.moga.mo.gov/statutes/C300-399/3750000937.HTM



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



Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required


Statement


organization (CSO)

Brokers

An extension of

credit for

consumer

purposes

Not specified Before executing a

contract or agreement

with a buyer or

receiving

consideration

Mo. Ann. Stat. §

407.641

Statutory


organization (CSO)

Brokers

An extension of

credit for

consumer

purposes

Not specified Not specified Mo. Ann. Stat. §

407.642

Statutory


Credit Denial,

Termination, or

Change

Cx15858

(Federal)

A state financial

institution

Both

A loan,

presumably a

residential real

estate loan, which

generally

excludes

refinances

Residential real

estate, consisting

of 1-to-4 family

units

After rejection of

a loan application

Mo. Ann. Stat. §

408.580(3)

12 CFR Pt. 1002,

App. C; Form C-1

Initial Disclosure,

Processing,

Underwriting, &

Closing

NMLS Unique

Identifier

Disclosed on 1003

Uniform

Residential Loan

Application

On Cx4193

(FNMA/FHLMC)



loan

Both

A residential

mortgage loan

A dwelling or

residential real

estate upon is (or

is intended to be)

constructed a

dwelling, as

defined by TILA

On the application Mo. Ann. Stat. §

443.745

Missouri Secure

and Fair

Enforcement for

Mortgage

Licensing Act

FNMA 1003 Form -

Uniform Residential

Loan Application











Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

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 creditor

Both

A credit

agreement, which

is a lending or

forbearance of

the repayment of

money, extension

of credit, or other

financial

accommodation


practically at

closing

Mo. Ann. Stat. §

432.045

Statutory

FNMA Form 3200 –

Multistate Fixed-

Rate Note

FNMA Form 3026 -

Missouri

Closing MO Deed of Trust

or MO Deed of

Trust Second

Cx333

(FNMA/FHLMC)

or Cx491

A creditor

Both

A credit

transaction in

which collateral

insurance is

obtained


practically at

closing

Mo. Ann. Stat. §

427.120(2)

Collateral

Protection Act

FNMA Form 3026 -

Missouri

Closing MO Collateral

Protection

Insurance

Disclosure

Cx1005 A creditor

Both

A credit

transaction in

which collateral

insurance is

obtained


credit agreement

is entered

Mo. Ann. Stat. §

427.120(3)

Collateral

Protection Act

Statutory

Closing Married Wife

Notice in

Acknowledgment

Cx7790 (upon

request)

Not specified

Both

An instrument Not specified Not specified, but

practically at

closing

Mo. Ann. Stat. §

442.210(4)

No

Closing Notice of

Servicing Transfer

Cx17905

(Federal)


loan broker, who is

licensed under the

Missouri Secure and

Fair Enforcement for

Mortgage Licensing

Act

Both

A residential

mortgage (aka a

residential

mortgage loan)

A dwelling or

residential real

estate upon is (or

is intended to be)

constructed a

dwelling, as

defined by TILA

When the

servicing of a

residential

mortgage is

transferred or sold

Mo. Ann. Stat. §

443.861

Missouri Secure

and Fair

Enforcement for

Mortgage

Licensing Act

12 CFR Pt. 1024,

App. MS-2
















Montana (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure MT Mortgage

Loan Origination

Disclosure


originator working for a

mortgage broker, who

is licensed under the

Montana Mortgage Act

Brokers

A mortgage loan

(aka a residential

mortgage loan)

A dwelling or

residential real

estate upon which

is either

constructed a

dwelling or is

intended to be

constructed a

dwelling within 2

years (subject to

24 CFR §

3500.5[b][4])

Within 3 business

days of taking an

application

Mont. Code Ann.

§ 32-9-124(2);

Mont. Admin. R.

2.59.1737

Montana

Mortgage Act

Mortgage Loan

Origination

Disclosure


Insurance

Disclosure


money or extends


insurance on real

property

Both

A first-mortgage

credit extension

Real property Not specified, but

practically before

closing

Mont. Code Ann.

§ 33-18-501(3)

No

http://leg.mt.gov/bills/mca/32/9/32-9-124.htm

http://www.mtrules.org/gateway/ruleno.asp?RN=2%2E59%2E1737

http://banking.mt.gov/Home/Forms.aspx#164912242-brokers-lenders-loan-originators





Montana (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure MT Mortgage

Loan Rate Lock

Commitment


lender under the


Both

A mortgage loan

(aka a residential

mortgage loan)

A dwelling or

residential real

estate upon which

is either

constructed a

dwelling or is

intended to be

constructed a

dwelling within 2

years (subject to

24 CFR §

3500.5[b][4])

Not specified, but

practically before

an interest rate

lock-in fee is

charged

Mont. Code Ann.

§ 32-9-148(3)(c)

Montana

Mortgage Act

No

Initial Disclosure MT Loan

Commitment


lender under the


Both

A mortgage loan

(aka a residential

mortgage loan)

A dwelling or

residential real

estate upon which

is either

constructed a

dwelling or is

intended to be

constructed a

dwelling within 2

years (subject to

24 CFR §

3500.5[b][4])

After approval of

the loan

application, but

before a

commitment fee

is charged

Mont. Code Ann.

§ 32-9-148(3)(d)

& (5)

Montana

Mortgage Act

No

Closing MT Ack Real Prop

is not exempt


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, & 70-32-202

Homestead

Declaration











http://courts.mt.gov/library/topic/realestate.mcpx

http://courts.mt.gov/library/topic/realestate.mcpx



Nebraska (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Required


Insurance

Disclosure


money or extends

credit

Lenders

A loan of money,

extension of

credit, or renewal

of an extension

of credit

Not specified Not specified Neb. Rev. Stat. §

44-1526(1)

Unfair Insurance

Trade Practices

Act

No

Initial Disclosure NE Loan Broker

Disclosure

Statement


Brokers

A loan of money Not specified At least 48 hours

before a borrower

signs a brokerage

agreement.

Neb. Rev. Stat. §

45-191.01

No

Initial Disclosure NE Construction

Loan Notice

Cx4669 Any person, firm, or

corporation lending

money

Both

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

No

Initial Disclosure Dual Capacity

Disclosure



Licensing Act, who also

acts as a real estate

broker or agent

Both

A residential

mortgage loan,

that is connected

to the sale of real

estate

A 1-to-4 unit

dwelling or

residential real

estate upon

which is (or will

be constructed) a

dwelling

Before receiving

compensation as a

mortgage banker or

mortgage loan

originator

Neb. Rev. Stat. §

45-740(1)(g)

Residential

Mortgage

Licensing Act

No

Initial Disclosure,

Processing,

Underwriting, &

Closing

NMLS Unique

Identifier

Disclosed on

1003 Uniform

Residential Loan

Application

On Cx4193

(FNMA/FHLMC)



Licensing Act

Both

A residential

mortgage loan

A 1-to-4 unit

dwelling or

residential real

estate upon

which is (or will

be constructed) a

dwelling

On the application Neb. Rev. Stat. §

45-736

Residential

Mortgage

Licensing Act

FNMA 1003 Form -

Uniform

Residential Loan

Application

http://nebraskalegislature.gov/laws/statutes.php?statute=44-1526

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

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








Nebraska (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Required

Closing Notice to

Cosigner on Fixed

Rate Note

Nebraska Second

On Cx1061 A licensee under the

Nebraska Installment

Loan Act

Both

A loan, the

interest rate of

which exceeds

16%

Not specified On a writing

evidencing a loan

Neb. Rev. Stat. §

45-1055(1)

Nebraska

Installment Loan

Act

Statutory

Closing NE Notice to

Cosigner


presumably a licensee

under the Nebraska

Installment Loan Act

Both

A loan, the

interest rate of

which exceeds

16%

Not specified Before or

contemporaneously

with signing any

agreement of loan.

Neb. Rev. Stat. §

45-1053

Nebraska

Installment Loan

Act

Notice to Cosigner

or Guarantor

Closing Request for

Notice - NE

Cx15163 (upon

request)

Any person desiring a

copy of any notice of

default and any notice

of sale

Both

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

Nebraska Trust

Deeds Act

Statutory

Closing Notice of

Servicing Transfer

Cx17905

(Federal)



Licensing Act

Both

A residential

mortgage loan

A 1-to-4 unit

dwelling or

residential real

estate upon

which is (or will

be constructed) a

dwelling

Not less than 15 days

prior to the effective

date of the transfer of

servicing rights

Neb. Rev. Stat.

Ann. § 45-739

Residential

Mortgage

Licensing Act

12 CFR Pt. 1024,

App. MS-2




http://www.ndbf.ne.gov/loan/clforms.shtml

http://www.ndbf.ne.gov/loan/clforms.shtml






Nevada (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


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

Statutory


Fee/Application

Disclosure


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

property

Real property Before accepting

any advance fees

Nev. Rev. Stat. §§

645B.165(3) &

645E.420(3)

No

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

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

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



Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required




(2) a person

Both

Either: (1) a home

loan, including a

consumer credit

transaction

subject to HOEPA

(15 USCA §

1602[aa]) and

regulations

adopted

pursuant thereto

(12 CFR § 226.32);

(2) any loan or

extension thereof

or credit; or (3) a

loan secured by

real property

Either: (1) home

property; or (2)

real property

Not specified Nev. Rev. Stat. §§

598D.100(1)(a),

686A.200 &

691A.030

Nevada Insurance

Code

No

Initial Disclosure NV Employee

Disclosure


Chapter 645B of

Nevada’s Revised

Statues

Brokers

A lien on real

property

Real property Before the date

that the loan is

consummated.

Nev. Rev. Stat. §

645B.186

No

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






Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure NV

Acknowledgement

of Dual Capacity


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

salesperson

Both

A loan secured by

a lien on real

property


application

Nev. Admin.

Code §§ 645B.235

& 645E.290; NV

Reg. LCB File No.

R087-04

Borrower's

Acknowledgment

and Agreement

Concerning Dual

Capacity as Real

Estate Sales Agent

and Mortgage Loan

Agent


Application


Both


practically at

application

Nev. Rev. Stat.

Ann. § 122A.200

No

Initial Disclosure NV Mortgage Broker

Compensation

Disclosure



Chapter 645B of

Nevada’s Revised

Statutes

Brokers

A loan secured by

a lien on real

property

Real property At any time prior

to consummation

Nev. Rev. Stat.

Ann. § 645B.305;

AB 513 Guidance

Letter, Exhibit

NV12

Disclosure of Fees

Earned by

Mortgage Broker

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

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

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

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










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


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





Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure NV Commitment

Agreement

Cx17103 (upon

request)

A person engaged in

the business of lending

money or extending

credit

Both

A loan of money

or extension of

credit

Not specified Not specified Nev. Rev. Stat.

Ann. § 111.220(4)

No


Statement

Upon Request An organization (CSO)

Brokers

An extension of

credit

Not specified Before the execution

of a contract between

the buyer and the

organization or before

receipt by the

organization of any

consideration,

whichever occurs first

Nev. Rev. Stat.

Ann. § 598.757

Statutory

Initial Disclosure CSO Contract Upon Request An organization (CSO)

Brokers

An extension of

credit

Not specified Not specified Nev. Rev. Stat.

Ann. § 598.762

No

Initial Disclosure,

Processing,

Underwriting, &

Closing

NMLS Unique

Identifier or License

Number Disclosed

on 1003 Uniform

Residential Loan

Application

On Cx4193

(FNMA/FHLMC)

A mortgage broker,


645B of Nevada’s

Revised Statutes

Both

A lien on real

property

Real property On the

application

Nev. Rev. Stat. §

645B.307

FNMA 1003 Form -

Uniform Residential

Loan Application

https://www.leg.state.nv.us/NRS/NRS-111.html#NRS111Sec220

http://www.leg.state.nv.us/NRS/NRS-598.html#NRS598Sec757







Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required


Closing

NV Reasonable

Means Disclosure

Cx12913 A lender

Both

A home loan,

including a low-

document, no-

document, or

stated-document

home loan, and a

consumer credit

transaction

subject to HOEPA

(15 USCA §

1602[aa]) and

regulations

adopted

pursuant thereto

(12 CFR § 226.32)

Real property Not specified Nev. Rev. Stat. §

598D.100(1)(b);

Mortgage

Lending Division

Letter 2007-2,

Exhibit A

Exhibit "A" -

"Commercially

Reasonable Means

or Mechanism"

Worksheet

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 mortgagee

Both

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)

FNMA Form 3029 -

Nevada













Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Closing NV Affirmation

Regarding SSN

Cx11545 A person who records,

files, or otherwise

submits any document

to a governmental

agency

Both

Not specified Not specified Not specified Nev. Rev. Stat.

Ann. §

239B.030(6)

No





New

Hampshire (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required


Fee/Application

Disclosure and

Good Faith

Estimate 01-01-10

Cx2783 &

Cx14221

(Federal)

A mortgage banker or

a mortgage broker,


Chapter 397 of New

Hampshire’s Revised

Statutes

Both

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)

12 CFR Pt. 1024,

App. C


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)

No


Loan Application


Both

Not specified Not specified Not specified N.H. Rev. Stat.

Ann. § 457:1-a

No

Initial Disclosure NH Disclosure of

Payment

Application

Cx15935 (upon

request)

A licensee under

Chapter 397 of New


Statutes

Both

A mortgage loan A dwelling, real

property, or

residential real

estate, of or upon

any of which is a

1-to-4 family

housing unit

At the time the

loan application is

taken

N.H. Rev. Stat.

Ann. § 397-

A:14(III)

No

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

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




New


Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required


Statement


organization (CSO)

Brokers

An extension of

credit for

consumer

purposes

Not specified Prior to the

execution of a

contract or

agreement

between the

buyer and the

CSO or prior to

the CSO receiving

any consideration,

whichever occurs

first

N.H. Rev. Stat.

Ann. §§ 359-D:4 &

359-D:5

Credit Services

Regulation Act

No


organization (CSO)

Brokers

An extension of

credit for

consumer

purposes

Not specified Not specified N.H. Rev. Stat.

Ann. § 359-D:6

Credit Services

Regulation Act

Statutory


Credit, Denial,

Termination or

Change

Cx15858

(Federal)

A user of a consumer

report

Both

Credit for

personal, family,

or household

purposes

Not specified When credit or

insurance is

denied or the

charge for credit

or insurance is

increased

N.H. Rev. Stat.

Ann. § 359-B:15

Fair Credit

Reporting Act

12 CFR Pt. 1002,

App. C

Initial Disclosure,

Processing,

Underwriting, &

Closing

NMLS Unique

Identifier

Disclosed on 1003

Uniform

Residential Loan

Application

On Cx4193

(FNMA/FHLMC)

A licensee under

Chapter 397 of New


Statutes

Both

A residential

mortgage loan

A dwelling, real

property, or

residential real

estate, of or upon

any of which is a

1-to-4 family

housing unit

On the

application

N.H. Rev. Stat.

Ann. § 397-A:6(I)

FNMA 1003 Form -

Uniform Residential

Loan Application

http://www.gencourt.state.nh.us/rsa/html/XXXI/359-D/359-D-4.htm



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







New


Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Closing Finance Change

Statement in

Truth-in-Lending

Disclosure

On Cx18

(Federal)

Any person engaged in

the business of

extending credit

Both

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

12 CFR Pt. 1026,

App. H; Form H-2

Closing NH Water Supply

Disclosure

Cx18792 (upon

request)

A seller

Both

Not specified, but

practically a

purchase

transaction

Real property Prior to the

execution of any

purchase contract

N.H. Rev. Stat.

Ann. § 477:4-c

No


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

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


http://www.gencourt.state.nh.us/rsa/html/XLVIII/477/477-4-c.htm



New Jersey (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure NJ Authorization

of Overnight

Delivery Services

Cx1030 A lender

Both

A mortgage loan,

secured by a first

mortgage on real

property and

which has a

closed-end

Real property on

which there are 1-

to-4 dwelling

units

Before delivery

fees are charged.

N.J. Admin. Code

§ 3:1-16.2(a)(7)(i)

New Jersey

Residential

Mortgage

Lending Act

No

Initial Disclosure NJ Application

Disclosure Form

Cx21702 A lender or a broker

Both

A mortgage loan,

secured by a first

mortgage on real

property and

which has a

closed-end

Real property on

which there are 1-

to-4 dwelling

units

Before accepting

application and

third party fees.

N.J. Admin. Code

§ 3:1-16.3(a)

New Jersey

Residential

Mortgage

Lending Act

Yes

Initial Disclosure NJ Choice of

Insurer Notice


New Jersey Residential


Both

A mortgage loan Property securing

a mortgage loan

Not specified N.J. Stat. Ann. §

17:11C-73(d)

New Jersey

Residential

Mortgage

Lending Act

Statutory

Initial Disclosure NJ Notice to

Borrower

Cx4440 A creditor

Both

A high-cost home

loan

A 1-to-6 family

dwelling which is

(or will be)

occupied by a

borrower as a

principal dwelling

At least 3

business days

prior to

consummation.

N.J. Stat. Ann. §

46:10B-26(f)

New Jersey Home

Ownership

Security Act of

2002

Statutory

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


http://www.state.nj.us/dobi/division_banking/ocf/

http://lis.njleg.state.nj.us/cgi-bin/om_isapi.dll?clientID=153636&depth=2&expandheadings=off&headingswithhits=on&infobase=statutes.nfo&softpage=TOC_Frame_Pg42




Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure NJ Commitment

Letter

Cx4479 A lender

Both

Either: (1) a loan;

or (2) a mortgage

loan, secured by a

first mortgage on

real property and

which has a

closed-end

Either: (1) real

property; or (2)

real property on

which there are 1-

to-4 dwelling

units

Not specified N.J. Stat. Ann. §

46:10A-6(c);

N.J. Admin. Code

§§ 3:1-16.5(a)(1)

through (9) & 3:1-

16.6

New Jersey

Residential

Mortgage

Lending Act

Partial

Administrative

N.J. Dept. of Bank.

and Ins., Bulletin 07-

12

Initial Disclosure NJ Rate Lock – In

Agreement

Cx4480 A lender

Both

A mortgage loan,

secured by a first

mortgage on real

property and

which has a

closed-end

Real property on

which there are 1-

to-4 dwelling

units

Not specified, but

practically more

than 3 days

before closing

N.J. Admin. Code

§§ 3:1-16.4 & 3:1-

16.6

New Jersey

Residential

Mortgage

Lending Act

No

Initial Disclosure NJ Right to

Choose Own

Attorney


(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[w] of TILA)

Before borrower

accepts a written

offer by the

lender to make a

loan

N.J. Stat. Ann. §

46:10A-6; N.J.

Admin. Code §

3:15-9.2(c)(4)

New Jersey

Residential

Mortgage

Lending Act

No






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









Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required


Loan Application


Both

Not specified Not specified Not specified Garden State

Equal v. Dow, 434

N.J. Super. 163

(Law. Div. 2013)

No


Estimate 01-01-10

and NJ Disclosure

Form

Cx14221

(Federal)

A lender

Both

A mortgage loan,

secured by a first

mortgage on real

property and

which has a

closed-end

Real property on

which there are 1-

to-4 dwelling

units

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)

New Jersey

Residential

Mortgage

Lending Act

12 CFR Pt. 1024,

App. C

N.J. Dept. of Bank.

And Ins., Bulletin

10-17

Initial Disclosure NJ Broker

Agreement

Cx17071 (upon

request)

A broker (aka


broker) licensed under

the New Jersey


Lending Act (N.J. Stat.

Ann. §§ 17:11C-51

through 17:11C-89)

Brokers

A mortgage loan,

secured by a first

mortgage on real

property and

which has a

closed-end

Real property on

which there are 1-

to-4 dwelling

units

Before accepting

any loan

application

N.J. Admin. Code

§ 3:1-16.10

New Jersey

Residential

Mortgage

Lending Act

No

Initial Disclosure,

Processing,

Underwriting, &

Closing

NMLS Unique

Identifier

Disclosed on 1003

Uniform

Residential Loan

Application

On Cx4193

(FNMA/FHLMC)


lender, a residential

mortgage broker, or a

mortgage loan

originator, who are

licensed under the New

Jersey Residential


Both

A residential

mortgage loan

A dwelling (as

defined in section

103[w] of TILA) or

residential real

estate upon which

is (or is intended

to be)

constructed a

dwelling

On the

application

N.J. Stat. Ann. §

17:11C-72 New

Jersey Residential

Mortgage

Lending Act

FNMA 1003 Form -

Uniform Residential

Loan Application

http://www.njleg.state.nj.us/

http://www.njleg.state.nj.us/













Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Closing NJ 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

organizations

Both

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; N.J.

Admin. Code §§

5:33-4.3 & 5:33-

4.4

In Rem Tax

Foreclosure Act

(1948)

ME1 - Initial Tax

Authorization

Notice

Closing NJ Private Well

Water Test Results


Both

Every contract of

sale of real

property (i.e. a

purchase loan)

Real property At closing N.J. Stat. Ann. §

58:12A-27

Private Well

Testing Act

No










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






New Mexico (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure Mortgage Loan

Company

Compensation on

Initial Truth-in-

Lending

Disclosure and

Good Faith

Estimate 01-01-10

Cx1591

(Federal) &

Cx14221

(Federal)


loan company, licensed

under the Mortgage

Loan Company Act; or

(2) a mortgage loan

originator, licensed

under the New Mexico

Mortgage Loan


Act

Both

Either: (1) a

mortgage loan; or

(2) a residential

mortgage loan

A 1-to-4 unit

dwelling or

residential real

estate upon which

is (or is intended

to be)

construction a

dwelling

At least 2 days

prior to closing.

N.M. Stat. Ann. §§

58-21-31(D) and

58-21B-20(A)(7) &

(B)(1); N.M.

Admin. Code

12.19.2.13 &

12.19.8.12(B)

Mortgage Loan

Company Act and

New Mexico

Mortgage Loan

Originator

Licensing Act

12 CFR Pt. 1024,

App. C & Pt. 1026,

App. H; Form H-2

Initial Disclosure NM High-Cost

Home Loan Notice

to Borrower

Cx2747 A creditor or a

mortgage loan

originator

Both

A high-cost home

loan

Real estate upon

which there is (or

will be) located a

1-to-4 family,

borrower-

occupied

structure

At least 3

business days

prior to

consummation

N.M. Stat. Ann. §

58-21A-5(e)

Home Loan

Protection Act

Statutory


Fee/Application

Disclosure


Mortgage Loan

Company Act (N.M.

Stat. Ann. §§ 58-21-1

through 58-21-32)

Both

A mortgage loan A 1-to-4 unit

dwelling or

residential real

estate upon which

is (or will be) a

dwelling

Not specified N.M. Admin. Code

12.19.8.8(D)(2)

Mortgage Loan

Company Act

No

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



http://www.nmcpr.state.nm.us/nmac/parts/title12/12.019.0002.htm








Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure NM Freedom to

Choose Insurance

Company

Cx2794 A lender

Both

A loan of money

secured by real or

personal property

Real or personal

property

Not specified. N.M. Stat. Ann. §

59A-16-14(A);

N.M. Admin. Code

13.7.2.8

New Mexico

Insurance Code

Administrative

Initial Disclosure NM Authorization

for Lender to

Obtain Insurance

Cx2795 A lender

Both

A loan Real or personal

property

After signing

Cx2794

N.M. Admin. Code

13.7.2.9

New Mexico

Insurance Code

Administrative

Initial Disclosure NM Attorney

Preference


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)

Home Loan

Protection Act

No


Benefit Worksheet

Cx12531 A creditor

Both

A home loan

which refinances

another home

loan

Real estate upon

which there is (or

will be) a 1-to-4

family, borrower-

occupied

structure


58-21A-4(b)

Home Loan

Protection Act

No


Loan Application


Both


practically at

application

N.M. Stat. Ann. §

40-1-4; N.M.

Attn’y Gen.

Opinion No. 11-

01

No








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

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



Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure NM Rate Lock

Disclosure

Cx14305 or

Cx14725 (upon

request)

A mortgage loan

company, licensed

under the Mortgage

Loan Company Act

Both

A mortgage loan A 1-to-4 unit

dwelling or

residential real

estate upon which

is (or is intended

to be)

construction a

dwelling


58-21-31(B) & (F);

N.M. Admin. Code

12.19.8.12(A)

Mortgage Loan

Company Act

New Mexico Rate

Lock/Float

Disclosure


TILA Redisclosure

Mortgage Loan

Summary on

Good Faith

Estimate 01-01-10

and Initial Truth-

In-Lending

Disclosure

Cx1591

(Federal) and

Cx14221

(Federal)


loan company, licensed

under the Mortgage

Loan Company Act; or

(2) a mortgage loan

originator, licensed

under the New Mexico

Loan Originator

Licensing Act

Both

Either: (1) a

mortgage loan; or

(2) a residential

mortgage loan

A 1-to-4 unit

dwelling or

residential real

estate upon which

is (or is intended

to be)

constructed a

dwelling

At least 2 days

prior to closing.

N.M. Stat. Ann. §§

58-21-31(E), 58-

21B-20(A)(6) &

(A)(7), & 58-21B-

20(B)(2); N.M.

Admin. Code

12.19.2.13 &

12.19.8.12(B)

Mortgage Loan

Company Act and

New Mexico

Mortgage Loan

Originator

Licensing Act

12 CFR Pt. 1024,

App. C & Pt. 1026,

App. H

Initial Disclosure,

Processing,

Underwriting, &

Closing

NMLS Unique

Identifier

Disclosed on 1003

Uniform

Residential Loan

Application

On Cx4193

(FNMA/FHLMC)



loan

Both

A residential

mortgage loan

A 1-ot-4 unit

dwelling or

residential real

estate upon which

is (or will be) a

dwelling

On the

application

N.M. Stat. Ann. §

58-21B-24

New Mexico

Mortgage Loan

Originator

Licensing Act

FNMA 1003 Form -

Uniform Residential

Loan Application



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



















Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required


Closing

NM Favorable

Terms Disclosure


originator

Both

A residential

mortgage loan

A 1-ot-4 unit

dwelling or

residential real

estate upon which

is (or will be) a

dwelling


58-21B-20(A)(7)

New Mexico

Mortgage Loan

Originator

Licensing Act

No





New York (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure NY Lock-in

Expiration Notice

Cx1569 A mortgage banker

licensed under Article

12-D of the Banking

Law or an exempt

organization

Lenders


property,

improved by a 1-

to-4 family,

owner-occupied

dwelling

Not less than 12

business days or

more than 20

business days

prior to the

commitment

expiration.

N.Y. Banking Law

§ 595-a(3)(c); N.Y.

Comp. Codes R. &

Regs. tit. 3, §

38.4(d)

Banking Law

No

Initial Disclosure NY Insurance

Disclosure



12-D of the Banking

Law or an exempt

organization

Lenders


property,

improved by a 1-

to-4 family,

owner-occupied

dwelling

At the time of

commitment, or if

no commitment,

at the time of

application.

N.Y. Comp. Codes

R. & Regs. tit. 3, §

38.9

Banking Law

No

Initial Disclosure NY Interest Rate

Disclosure


lending institution or a

mortgage banker


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); N.Y.

Comp. Codes R. &

Regs. tit. 3, §

38.3(d)

Banking Law

No

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

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


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




Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure NY Pre-

Application

Disclosure and

Fee Agreement

for Licensed

Brokers


who is registered under

Article 12-D of the

Banking Law

Brokers


property,

improved by a 1-

to-4 family,

owner-occupied

dwelling

Prior to taking an

application or

collecting an

application, credit

report, or

property appraisal

fee

N.Y. Comp. Codes


38.3(a)(1)

Banking Law

Pre-Application

Disclosure and Fee

Agreement

(brokers)

Initial Disclosure NY Interest Rate

Lock Commitment



12-D of the Banking

Law or an exempt

organization

Both

A mortgage loan,

used to purchase

a dwelling or in

which a

commitment fee

or paints are paid

to the lender

Residential real

property,

improved by a 1-

to-4 family,

owner-occupied

dwelling

At the time of

commitment and

prior to the

acceptance of a

commitment fee

or points.

N.Y. Comp. Codes


38.4(a)

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


12-D of the Banking

Law or who is an

exempt organization

Both

A high cost home

loan

Real estate upon

which there is (or

will be) located a

1-to-4 family,

borrower-

occupied

structure

At or prior to

taking an

application

N.Y. Comp. Codes


41.4(a)

Banking Law

Administrative


Loan Insurance

Disclosure

Cx3673 A broker or a lender,


under Article 12-D of

the Banking Law or

who is an exempt

organization

Both

A high cost home

loan

Real estate upon

which there is (or

will be) located a

1-to-4 family,

borrower-

occupied

structure

At least 10

business days

before the loan is

closed.

N.Y. Comp. Codes


41.5(b)(5)

Banking Law

No


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












Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required


Loan Counseling

Disclosure


broker, who are either



the Banking Law or

who are an exempt

organization

Both

A high cost home

loan

Real estate

improved by a 1-

to-4 family,

borrower-

occupied

structure

At the time of

application

N.Y. Banking Law

§ 6-l(2)(l)(i); N.Y.

Comp. Codes R. &

Regs. tit. 3, §

41.3(a)(1)

Banking Law

Statutory &

Administrative

Initial Disclosure NY Prevailing

Interest Rate

Commitment

Cx3710 A licensee under Article

12-D of the Banking

Law (aka a mortgage

banker) or an exempt

organization

Both


property,

consisting of real

property

improved by a 1-

to-4 family,

owner-occupied

dwelling

Prior to

acceptance of a

commitment fee,

points, or other

discounts

N.Y. Comp. Codes


38.5

Banking Law

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








Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure NY Balloon

Payment

Disclosure

Cx4168 A lender

Both

Either: (1) a

balloon-payment

mortgage loan,

consisting of a

term of 3 years or

more, which is a

junior mortgage

with an

outstanding

balance of

$250,000 or less

(including all lien

balances); or (2) a

balloon-payment

mortgage loan,

which is a primary

lien, which has a

principal amount

of less than

$250,000, and

which has an

adjustable

interest rate

Real property

improved by a 1-

to-4 family,

owner-occupied

residence

Prior to accepting

an application

N.Y. Comp. Codes

R. & Regs. tit. 3,

§§ 80.4(a) & (b)

and 82.6(a) & (b)

Banking Law

Administrative





Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure NY Lock In

Agreement

Cx5099 A mortgage banker,


Article 12-D of the

Banking Law or an

exempt organization

Lenders


property,

consisting of real

property

improved by a 1-

to-4 family,

owner-occupied

dwelling

Prior to taking

any points or a

lock-in fee

N.Y. Comp. Codes


38.6

Banking Law

New York Lock-In

Agreement

Initial Disclosure NY Pre-

Application

Disclosure for

Licensed Bankers



Article 12-D of the

Banking Law or an

exempt organization,

either of whom are

acting in a brokerage

capacity

Lenders


property,

consisting of real

property

improved by a 1-

to-4 family,

owner-occupied

dwelling

Prior to taking an

application or

collecting an

application, credit

report, or

appraisal fee

N.Y. Comp. Codes


38.3(c)(1)

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)

Banking Law

Administrative













Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure NY Application

Disclosure



Article 12-D of the

Banking Law or an

exempt organization

Lenders

A mortgage loan,

used to finance

the purchase of a

dwelling, or in

connection

therewith

commitment fees

or points are paid

prior to closing

Residential real

property,

consisting of real

property

improved by a 1-

to-4 family,

owner-occupied

dwelling

Prior to the taking

of an application,

application fee,

credit report fee,

or property

appraisal fee

N.Y. Comp. Codes

R. & Regs. tit 3, §

38.3(b)(1)

Banking Law

Partial

Administrative

Initial Disclosure

NY Title Insurance

Disclosure

Cx21860

(upon request)

A person who acts as

an agent,

representative,

attorney, or employee

of the owner, lessee, or

mortgagee of the real

property

Not specified Real Property At the time of

making a referral

NY Insurance Law

§2113(d)

Statutory


Benefit Worksheet

Cx12531 (upon

request)

A lender, who is either

a licensed mortgage

banker under Article

12-D of the Banking

Law or an exempt

organization

Both

A subprime loan

which refinances

a home loan

Real estate

improved by

either a 1-to-4

family dwelling, a

condo unit, or a

coop unit, which

is (or will be) the

borrower’s

principal dwelling

Not specified N.Y. Banking Law

§ 6-m(2)(h)

Bonking 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



Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure NY Consumer

Caution Notice


broker, who are either



the Banking Law or

who are an exempt

organization

Both

A high cost home

loan

Real estate

improved by a 1-

to-4 family,

borrower-

occupied

structure

Within 3 days

after determining

the loan is a high-

cost home loan,

but no less than

10 days before

closing.

N.Y. Banking Law

§ 6-l(2)(l)(ii); N.Y.

Comp. Codes R. &

Regs. tit. 3, §

41.3(a)(2)

Banking Law

Statutory &

Administrative

Initial Disclosure NY Notice to

Borrower

Cx12870 A lender or a broker,


or registered under

Article 12-D of the

Banking Law or who

are an exempt

organization

Both

A high cost home

loan

Real estate upon

which is (or will

be) a 1-to-4

family, borrower-

occupied

structure

At application or,

if application is

made by

telephone, within

3 days after

determining the

loan is a high-

cost home loan,

but no less than

10 days before

closing.

N.Y. Comp. Codes


41.4(d)

Banking Law

Administrative


Loan Application


Both


practically at

application

N.Y. Dom. Rel.

Law § 10-a

Domestic

Relations Law

No


Estimate 01-01-10

Cx14221

(Federal)

A mortgage broker,


Article 12-D of the

Banking Law

Brokers

A home loan Not specified Within 3 days

after receipt of

application.

N.Y. Banking Law

§ 590-b(1)(e)

Banking Law

12 CFR Pt. 1024,

App. A




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

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




Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure NY Subprime Loan

Counseling

Disclosure


broker, who are



the Banking Law or

who are an exempt

organization

Both

A subprime home

loan

Real estate

improved by a 1-

to-4 family,

owner-occupied

dwelling

At the time of

application.

N.Y. Banking Law

§ 6-m(2)(j)

Banking Law

Statutory

Initial Disclosure NY FHA Mortgage

Loan

Correspondent

Disclosure

Cx14650 (upon

request)

A FHA mortgage loan

correspondent

Both


property,

improved by a 1-

to-4 family,

owner-occupied

dwelling

Prior to accepting

an application,

application fee,

credit report fee,

or property

appraisal fee

N.Y. Comp. Codes

R. Regs. tit. 3, §

38.13(d)

Banking Law

Administrative

Initial Disclosure NY Notice of

Right to Select

Attorney

Cx15665 (upon

request)

A mortgage broker or

mortgage banker



the Banking Law, or an

exempt organization

Both


property,

improved by a 1-

to-4 family,

owner-occupied

dwelling

Not specified N.Y. Comp. Codes


38.7(a)(11)

Banking Law

No


Tangible Net

Benefit Worksheet

Cx15773 A lender, who is either

a licensed mortgage


12-D of the Banking

Law or an exempt

organization

Both

A high cost home

loan

Real estate upon

which there is (or

will be) a 1-to-4

family, owner-

occupied

structure

Not specified N.Y. Comp. Codes


41.5(b)(4)

Banking Law

No







Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure NY Dual Capacity

Disclosure


mortgage banker, or

exempt entity acting as

a mortgage broker, any

of which is also acting

as a real estate broker

Brokers


property,

improved by a 1-

to-4 family,

owner-occupied

dwelling

At the first

substantive

contact between

the broker and

the borrower.

N.Y. Comp. R. &

Regs. tit. 3, §

38.12

Banking Law

Administrative

Initial Disclosure NY Non-Purchase

Residential

Mortgage Loan

Disclosure

Cx17012 (upon

request)

A mortgage banker


12-D of the Banking

Law or an exempt

organization

Lenders

A mortgage loan,

the proceeds of

which are not for

purchasing or

construction

purposes and in

connection

therewith no

commitment fees

or points are paid

to the lender

prior to closing

Residential real

property,

improved by a 1-

to-4 family,

owner-occupied

dwelling

At loan approval N.Y. Comp. Codes


38.4(b)

Banking Law

No


Credit Denial,

Termination or

Charge

Cx15858

(Federal)

Either: (1) a banking

organization or

licensed mortgage


12-D of the Banking

Law which originates

mortgage loans; or (2)

a creditor

Both

Either: (1) a

mortgage loan; or

(2) credit

Real property Not specified N.Y. Banking Law

§ 6-d; N.Y. Exec.

Law § 296-a(4)

Banking Law and

Executive Law

12 CFR Pt. 1002,

App. C; Form C-1



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=$$EXC296-A$$@TXEXC0296-A+&LIST=LAW+&BROWSER=BROWSER+&TOKEN=22806396+&TARGET=VIEW




Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required


Closing

Various TILA

Disclosures

Cx18, Cx1591,

and other TILA

Disclosures (all

Federal)

A bank, trust company,

savings bank, savings

and loan association,

credit union, mortgage

banker and branch or

agency of a foreign

banking corporation


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

Banking Law

12 CFR Pt. 1026,

App. H


Closing

NY Fair Credit

Reporting Act

Disclosure

Cx3576 A person who intends

to use a consumer

credit report in

connection with a

credit transaction

involving the consumer

Both

An extension of

credit

Not specified Before a person

requests a

consumer report.

N.Y. Gen. Bus. Law

§ 380-b

Fair Credit

Reporting Act

No

Initial Disclosure,

Processing,

Underwriting, &

Closing

NMLS Unique

Identifier

Disclosed on 1003

Uniform

Residential Loan

Application

On Cx4193

(FNMA/FHLMC)



loan

Both

A residential

mortgage loan

A dwelling (as

defined in Section

1203[v] of TILA),

or residential real

property, which is

improved by a 1-

to-4 family

residence

On the

application

N.Y. Banking Law

§ 599-P

Banking Law

FNMA 1003 Form -

Uniform Residential

Loan Application




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






Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required


Closing

Credit Score

Disclosure – B-

3/H-3

Cx15312

(Federal)

A banking organization

and licensed mortgage


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

Banking Law

12 CFR Pt. 1022,

App. H; 16 CFR Pt.

698, App. B; Form

B-3/H-3


TILA Redisclosure

Notice of Right to

Receive Copy of

Appraisal Report

Cx17903 &

17904 (Federal)

A lender

Both

A loan or

forbearance

secured primarily

by an interest in

real property

Real property Not specified N.Y. Real Prop.

Law § 254-C(1)

Real Property Law

12 CFR Pt. 1002,

App. C; Form C-9

12 CFR §

1026.35(c)(5)(i)

(West 2013)

Closing Subprime or

High-Cost Home

Loan Legend on

NY Mortgages

On Cx343

(FNMA/FHLMC),

Cx396 (FHA),

Cx501, Cx16198,

& Cx16245

Not specified

Both

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); N.Y. Comp.


41.7

Banking Law

Statutory

Instructions to

FNMA Form 3033 -

New York

Closing Fixed Rate Note

New York Second

On Cx1066 A licensee (aka

mortgage banker)

under Article 12-D,

Chapter 2 of the

Banking Law

Both

A junior

mortgage loan

Residential real

property,

consisting of real

property

improved by a 1-

to-4 family

On the note N.Y. Banking Law

§ 590-A(2)

Banking Law

No

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


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=$$RPP254-C$$@TXRPP0254-C+&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



Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

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)

New York State

Uniform Fire

Prevention and

Building Code Act

No

Closing NY Consolidation,

Extension and

Modification

Agreement


Both

A refinance

mortgage

(sometimes a

purchase money

mortgage)

Real property At closing N.Y. Tax Law §§

250 through 267;

FNMA 2013

Selling Guide, B8-

2-02

New York

Consolidation,

Extension, and

Modification

Agreement

Closing New York Notice of Change in Status of Tax

Escrow Accounts

Cx9443 (upon

request)

A mortgage investing

institution

Both

A loan with a real

property tax

escrow account

A 1-to-6 family,

owner-occupied

residence

No later than the

25th day of each

month

N.Y. Real Prop.

Tax Law § 953(9)

RP-953 Notice of

Change in Status of

Tax Escrow Account

Closing NY Tax Escrow

Account

Designation


practically a mortgage

investing institution

Both

A loan with a real

property tax

escrow account

A 1-to-6 family,

owner-occupied

residence

Not specified N.Y. Real Prop.

Tax § 954(1)

RP-954 Tax Escrow

Account

Designation of

Mortgage Investing

Institution to

Receive Tax Bills

Closing NY Notice to

Cosigner

Cx12871 A creditor

Both

A consumer credit

transaction

Not specified At closing N.Y. Gen. Oblig.

Law § 15-702(3)

Statutory

Closing NY Property

Insurance Escrow

Account

Disclosure

Cx15034 A mortgage investing

institution

Both

A loan with a real

property

insurance escrow

account

A 1-to-4 family,

owner-occupied

residence

At the time of the

establishment of

the real property

insurance escrow

account.

N.Y. Banking Law

§ 6-k(2)(f)

Banking Law

Statutory


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=@SLTAX0A11+&LIST=LAW+&BROWSER=BROWSER+&TOKEN=40989839+&TARGET=VIEW

https://www.fanniemae.com/content/guide/selling/b8/2/02.html

https://www.fanniemae.com/content/guide/selling/b8/2/02.html

https://www.fanniemae.com/singlefamily/special-purpose-documents





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

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=$$GOB15-702$$@TXGOB015-702+&LIST=LAW+&BROWSER=BROWSER+&TOKEN=28317744+&TARGET=VIEW

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



North

Carolina (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure NC Notice of

Information

Cx1271 A lender

Both

A home loan,

which is a first

lien loan with a

principal amount

of less than

$300,000

Real estate upon

which there is

located 1-to-4

family dwellings

or dwelling units

Not later than

closing or 3

business days

after receiving an

application,

whichever is

earlier.

N.C. Gen. Stat. §

24-1.1A(a1)(1)

Notice of

Amortization

Information &

Examples



Cx2778 Either: (1) a person,

firm, or corporation

engaged in lending

money; or (2) a creditor

Both

A loan for the

purchase of

property or a

loan of money

on the security

of a security

instrument on

the property

Real or personal

property

Not specified N.C. Gen. Stat. §§

75-17, 75-18, &

58-57-65

No


Attorney


Both

A high-cost

home loan

A manufactured

home or real

estate with 1-to-

4 dwelling units

occupied as the

borrower’s

principal

dwelling

Not specified N.C. Gen. Stat.

Ann. § 24-

1.1E(a)(5)(b)(ii)

No

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

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




http://www.ncleg.net/gascripts/statutes/statutelookup.pl?statute=75-17


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

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

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


North


Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure NC

Acknowledgement of

Fixed Rate Loan

Terms and Costs

Cx13327 Any person in the

course of any

residential loan

transaction

Both

A residential

mortgage loan,

which is also a

rate spread

adjustable rate

loan

A dwelling,

consisting of 1-

to-4 units, or

residential real

estate upon

which is (or is

intended to be) a

dwelling

Not specified, bet

practically before

brokering a rate

spread adjustable

rate loan.

N.C. Gen. Stat.

Ann. § 53-

244.111(13)

North Carolina

Secure and Fair

Enforcement

(S.A.F.E.)

Mortgage

Licensing Act

No

Initial Disclosure NC Loan Brokerage

Agreement and Loan

Origination

Disclosure Statement

Cx20008

(upon request)

A broker A loan Not specified At the time the

borrower signs

the contract

N.C. Gen. Stat.

Ann. § 66-110

No

Initial Disclosure NC Broker Disclosure Cx20017

(upon request)

A broker A loan Not specified At least 7 days

prior to the time

any person signs

a broker contract

N.C. Gen. Stat.

Ann. § 66-107

Yes

Initial Disclosure,

Processing,

Underwriting, &

Closing

NMLS Unique


on 1003 Uniform

Residential Loan

Application

On Cx4193

(FNMA/FHLMC)

A mortgage loan

originator or other

person engaged in the

mortgage business

Both

A residential

mortgage loan

A dwelling,

consisting of 1-

to-4 units, or

residential real

estate upon

which is (or is

intended to be) a

dwelling

On the

application

N.C. Gen. Stat.

Ann. § 53-244.107

North Carolina

Secure and Fair

Enforcement

(S.A.F.E.)

Mortgage

Licensing Act

FNMA 1003 Form -

Uniform Residential

Loan Application

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







North


Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required


Processing

NC Fee Information

From Your Mortgage

Broker


Brokers

A residential

mortgage loan

A dwelling,

consisting of 1-

to-4 units, or

residential real

estate upon

which is (or is

intended to be) a

dwelling

In a timely

manner

N.C. Gen. Stat.

Ann. § 53-

244.109(5)

North Carolina

Secure and Fair

Enforcement

(S.A.F.E.)

Mortgage

Licensing Act

Model Mortgage

Broker Disclosure

Form


TILA Redisclosure

Notice of Right to

Receive Copy of

Appraisal Report

Cx17903 &

17904 (Federal)

A bank, savings and

loan association,

savings bank, or credit

union

Both

A loan secured

by real property

Real property Not specified N.C. Gen. Stat.

Ann. § 24-10(h)

12 CFR Pt. 1002,

App. C; Form C-9

12 CFR §

1026.35(c)(5)(i)

(West 2013)

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 specified N.C. Gen. Stat. §

24-10.2(c)

No

Closing NC Renewal and

Extension Agreement

Cx20015

(upon request)

A lender

Both

A loan Not specified At or before

registration of the

deed of trust or

mortgage

N.G. Gen. Stat.

Ann. § 45-80

No













North

Dakota (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure ND VA Loan

Applicants

Disclosure

Cx1602 A lender

Lenders

A mortgage loan

insured or

guaranteed by

the United States

Veteran’s

Administration

Real property At application N.D. Cent. Code

Ann. § 35-03-01.3

Statutory

Initial Disclosure ND Money Broker

Contract

Cx1904 A money broker

Both

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

Partial

Administrative

Initial Disclosure ND Money Broker

Loan Disclosure

Statement

Cx1905 A money broker

Both

A loan Not specified When a loan is

arranged

N.D. Admin. Code

13-05-01-03 &

13-05-01-04

Partial Statutory


Insurance

Disclosure

Cx2778 A person

Both

A purchase loan

or a lending of

money on the

security of

property

Property Not specified N.D. Cent. Code

Ann. § 26.1-04-04

No


Notice

Cx15182

(Federal)


Both

Not specified Not specified Generally, before

disclosure of

customer

information to

any person

N.D. Cent. Code

Ann. §§ 6-08.1-03

& 6-08.1-04; N.D.

Admin. Code §

13-02-21-01

12 CFR Pt. 1016,

App. A

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

http://www.legis.nd.gov/information/acdata/html/13-05.html





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






North


Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure,

Processing,

Underwriting, &

Closing

NMLS Unique

Identifier

Disclosed on 1003

Uniform

Residential Loan

Application

On Cx4193

(FNMA/FHLMC)



loan

Both

A residential

mortgage loan

A dwelling (as

defined as Section

103[w] of TILA) or

residential real

estate upon which

is (or is intended

to be) a dwelling

On the

application

N.D. Cent. Code

Ann. § 13-10-21

FNMA 1003 Form -

Uniform Residential

Loan Application








Ohio (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Language

Required



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 specified Ohio Rev. Code Ann.

§§ 3901.211 &

3933.04

No

Initial Disclosure OH Affiliated

Agreement

Disclosure

Cx3843 A lending institution,

service corporation, or

any person engaged in

providing real estate

brokerage services

Both

A real estate loan Real estate Not specified Ohio Rev. Code Ann.

§ 1349.11

No

Initial Disclosure OH Addendum to

Uniform Residential

Loan Application

Cx4689 A creditor

Both

Credit Not specified At application Ohio Rev. Code Ann.

§ 4112.021(B)(1)(g)

Statutory

Initial Disclosure OH Escrow Account

Disclosure

Cx11197

(upon

request)


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) &

§1322.063(A)

Mortgage Loan Act

Ohio Mortgage

Broker Act (OMBA)

Notice of Escrow

Taxes/Insurance

and Regular

Monthly Payment

http://codes.ohio.gov/orc/3901.211





http://codes.ohio.gov/orc/1322.063v1

http://www.com.ohio.gov/





Ohio (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Language

Required

Initial Disclosure Good Faith Estimate

01-01-10

Cx14221

(Federal)

A licensee or a

registrant under


of Ohio’s Revised Code

(aka the Mortgage

Broker Act)

Both

A residential

mortgage loan

A dwelling (as

defined in

Section 103 of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

Within 3 business

days after taking

an application

Ohio Rev. Code Ann.

§ 1322.062(D); Ohio

Admin. Code 1301:8-

7-15(D)

Mortgage Broker Act

Mortgage Loan

Origination

Disclosure

Statement

[MLODS]

Addendum

12 CFR Pt. 1024,

App. C

Initial Disclosure OH Escrow Account

Disclosure

Cx11205

(upon

request)

A licensee or a

registrant under



(aka the Mortgage

Broker Act)

Brokers

A residential

mortgage loan

A dwelling (as

defined in

Section 103 of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

Not earlier than 3

business days nor

later than 24

hours before

closing

Ohio Rev. Code Ann.

§ 1322.063

Mortgage Broker Act

Ohio Mortgage

Broker Act (OMBA)

Escrow of Taxes &

Regular Monthly

Payment

Initial Disclosure OH Business

Relationship

Disclosure Notice

Cx12271 A licensee or a

registrant under



(aka the Mortgage

Broker Act), including

people who are

required to be

registered or licensed

Both

A residential

mortgage loan

A dwelling (as

defined in

Section 103 of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

Before referring

the buyer to any

settlement

service provider.

Ohio Code Ann. §

1322.075; Ohio

Admin. Code 1301:8-

7-25

Mortgage Broker Act

Business

Relationships

Disclosure Notice


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




















Ohio (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Language

Required

Initial Disclosure OH Notice of Change

in Mortgage Terms

Cx12463

(upon

request)

Either: (1) a licensee or

registrant under

Sections 1321.51

through 1321.60 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


Mortgage Broker Act)

Both

Either: (1) a non-

brokered

residential

mortgage, which

is not secured by

a first lien on real

estate; or (2) a

residential

mortgage loan

A dwelling (as

defined in

Section 103 of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

Either: (1) under

the same timing

requirements as a

TIL; or (2) 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.

§§ 1321.594,

1322.062(B), &

1322.064

Mortgage Broker Act

and Mortgage Broker

Act

Notice of Change

in Mortgage Terms

Initial Disclosure Tangible Net Benefit

Worksheet

Cx12531

(upon

request)

A creditor

Both

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 specified Ohio Code Ann. §

1349.27(G)

No

Initial Disclosure OH Verification of

Pre-purchase

Counseling and

Acknowledgment of

Risk Disclosure

Cx13488 A creditor

Both

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)

Pre-purchase

Counseling

Verification












Ohio (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Language

Required

Initial Disclosure OH Conflict of

Interest Disclosure

Cx13605

(upon

request)

A registrant under the

Second Mortgage Loan

Act (Ohio Rev. Code

Ann. §§ 1321.51

through 1321.60)

Both

A residential

mortgage loan

A dwelling (as

defined in

Section 103 of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

Prior to

furnishing or

placing insurance

Ohio Admin. Code

1301:8-3-17(D)

Second Mortgage

Loan Act

No

Initial Disclosure OH Conflict of

Interest Disclosure

Upon

Request


Small Loan Act

Both

A residential

mortgage loan

for $5,000 or less

A dwelling (as

defined in

Section 103 of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

Prior to

Furnishing or

Placing Insurance

Ohio Admin. Code

1301:8-2-16(D)

Small Loan Act

No

Initial Disclosure OH Insurance Notice

to Applicant

Cx13606

(upon

request)



Act (Ohio Rev. Code

Ann. §§ 1321.51

through 1321.60)

Both

A residential

mortgage loan

A dwelling (as

defined in

Section 103 of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

At the time the

loan is made

Ohio Admin. Code

1301:8-3-17(B)

Second Mortgage

Loan Act

No


http://codes.ohio.gov/oac/1301%3A8-2



Ohio (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Language

Required

Initial Disclosure OH Insurance Notice

to Applicant

Upon

Request


Small Loan Act

Both

A residential

mortgage loan

for $5,000 or less

A dwelling (as

defined in

Section 103 of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

At the time the

loan is made

Ohio Admin. Code

1301:8-2-16(B)

Small Loan Act

No

Initial Disclosure Section 32 Mortgage

Loan Disclosure

Cx17901 &

17902

(Federal)

A creditor

Both

A covered loan A consumer’s

principal

dwelling

No less than 3

business days

prior to

consummation

Ohio Rev. Code Ann.

§ 1349.26

12 CFR Pt. 1026,

App. H; Form H-16

Initial Disclosure OH Intent to Build

Attestation

Upon

Request

Not specified A residential

mortgage

Residential real

estate

Not specified Ohio Rev. Code Ann.

§ 1322.01(HH)

No


TILA Redisclosure

OH Notice of Change

in Mortgage Terms

Cx12463

(upon

request)



Act (Ohio Rev. Code

Ann. §§ 1321.51

through 1321.60)

Both

A residential

mortgage loan

A consumer’s

principal

dwelling

No later than 24

hours before the

change occurs, or

24 hours before

closing

Ohio Rev. Code Ann.

§§ 1321.594,

1322.062(B) &

1322.064

Statutory


Closing

OH Homebuyers’

Protection Act

Cx11195 A supplier (i.e. a loan

officer, mortgage

broker, or nonbank

mortgage lender)

Both

A residential

mortgage

Real property

containing (or

which shall

contain) 1-to-2

residential units

At application, or

within 5 days if

application is not

submitted in

person.

Ohio Rev. Code Ann.

§ 1345.05(A)(4) & (G);

Ohio Admin. Code

109:4-3-29

Ohio Homebuyers'

Protection Act -

Informational

Document






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





Ohio (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Language

Required


Closing

OH

Acknowledgement of

Receipt of Home

Mortgage Loan

Informational

Document


officer, mortgage

broker, or nonbank

mortgage lender)

Both

A residential

mortgage

Real property

containing (or

which shall

contain) 1-to-2

residential units

At application, or

within 5 business

days if

application is not

submitted in

person.

Ohio Rev. Code Ann.

§ 1345.05(G); Ohio

Admin. Code 109:4-

3-29 & 109:4-3-29

Appendix

Acknowledgment

of Receipt of

Home Mortgage

Loan Informational

Document

Initial Disclosures

& Closing

OH Promise to

Refinance Loan

Cx16235

(upon

request)

A registrant or a

licensee under Chapter

1322, Title 13 of Ohio’s


Mortgage Broker Act),

including people

required to be a

registrant or licensee,

and a sole proprietor

Both

A residential

mortgage loan

A dwelling (as

defined in

Section 103 of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

At the time the

indebtedness is

incurred

Ohio Rev. Code Ann.

§ 1322.07(H)

Mortgage Broker Act

No

Closing OH Closing

Disclosure


officer, mortgage

broker, or nonbank

mortgage lender)

Both

A consumer

transaction

connected with a

residential

mortgage

Real property

containing (or

which shall

contain) 1-to-2

residential units

At closing Ohio Rev. Code Ann.

§ 1345.031(B)(8);

Ohio Admin. Code

109:4-3-23 & 109:4-

3-23 Appendix

Closing Disclosure

Form



















Ohio (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Language

Required

Closing OH Statutory

Authority Disclosure

Cx13536 A registrant under the


Act (Ohio Rev. Code

Ann. §§ 1321.51

through 1321.60)

Both

A residential

mortgage loan

A dwelling (as

defined in

Section 103 of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

With the loan

documents

Ohio Admin. Code

1301:8-3-07(H)

Second Mortgage

Loan Act

No

Closing OH Statutory

Authority Disclosure

Upon

Request


Small Loan Act

Both

A residential

mortgage loan

for $5,000 or less

A dwelling (as

defined in

Section 103 of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

With the loan

documents

Ohio Admin. Code

1301:8-2-07(G)

Small Loan Act

No

Closing OH ARM Disclosure Cx13537 A registrant under the


Act (Ohio Rev. Code

Ann. §§ 1321.51

through 1321.60)

Both

A residential

mortgage loan

A dwelling (as

defined in

Section 103 of

TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

At least 6 months,

but not more

than 7 months, in

advance of the

initial scheduled

interest reset

date

Ohio Admin. Code

1301:8-3-07(G)(3)

Second Mortgage

Loan Act

No





Ohio (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Language

Required

Closing OH Optional Credit

Insurance

Cx16236 Not specified A loan or credit

transaction,

which is

generally secured

by a junior lien


indebtedness is

incurred

Ohio Rev. Code Ann.

§ 3918.06(D); Ohio

Admin. Code 3901-1-

14(B)(4) & 3901-1-14,

App. I

Administrative



Oklahoma (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required


Insurance

Disclosure

Cx2788 Either: (1) any person

who is engaged in the

business of insurance;

or (2) a lender

Both

Either: (1) a loan

of money upon

the security of

real or personal

property; or (2)

a residential

mortgage

Real or personal

property,

including

residential

property

Not specified Okla. Stat. Ann.

tit. 36, §§ 1204(9)

& 3639.3

Oklahoma

Insurance Code

No

Initial Disclosure OK Insurance

Notice to Obligor

Cx3324 A creditor

Both

A Subsection 10

mortgage

A consumer’s

principal dwelling

No later than the

time of closing

Okla. Stat. Ann.

tit. 14A, § 4-113

Uniform

Consumer Credit

Code - Loans

Statutory


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




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





Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure OK Subsection 10

Mortgage Loan

Disclosure

Cx3325 A creditor

Both

A Subsection 10

mortgage

A consumer’s

principal dwelling

Not less than 3

business days

prior to

consummation.

Okla. Stat. Ann.

tit. 14A, § 3-

309.4(1)

Uniform

Consumer Credit

Code - Loans

Statutory

Initial Disclosure OK Title

Protection Notice

Cx3851 A mortgagee

Both

A financing for

the purchase of

property (i.e. a

purchase money

mortgage)

Real property

which is either

improved

property or

unimproved

property which is

purchased with a

construction loan

At the time of

application

Okla. Stat. Ann.

tit. 46, § 20

No


Estimate 01-01-10

and other Initial

RESPA Disclosures

Cx14221 and

other RESPA

Disclosures (all

Federal)


mortgage loan

originator

Both

A residential

mortgage loan

A dwelling (as

defined in Section

103[w] of TILA) or

residential real

estate upon which

is (or is intended

to be)

constructed such

a dwelling

Upon receipt of a

loan application

and before

receipt of any

money from a

borrower

Okla. Stat. Ann.

tit. 59, §

2095.15(B)

Oklahoma Secure

and Fair

Enforcement for

Mortgage

Licensing Act

12 CFR Pt. 1024,

App.








Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required


Benefit Worksheet

Cx15773 (upon

request)

A creditor

Both

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

Uniform

Consumer Credit

Code - Loans

No


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)

Uniform

Consumer Credit

Code - Loans

No

Initial Disclosure,

TILA Redisclosure,

& Closing

All TILA

Disclosures

Cx18, Cx1591,

and other TILA

Disclosures (all

Federal)

A lender

Both

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

Uniform

Consumer Credit

Code - Loans

12 CFR Pt. 1026,

App. G & H










Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required


Closing

Important Terms

of HELOC and

What You Should

Know About

Home Equity Lines

of Credit Brochure

Cx1472

(Federal)

A creditor

Both

A revolving loan

account plan

A consumer’s

principal dwelling,

including second

or vacation

homes

At application Okla. Stat. Ann.

tit. 14A, § 3-309.2

Uniform

Consumer Credit

Code – Loans

12 CFR Pt. 1026,

App. G; Form G-15

What You Should

Know About Home

Equity Lines of

Credit

Initial Disclosure,

Processing,

Underwriting, &

Closing

NMLS Unique

Identifier

Disclosed on 1003

Uniform

Residential Loan

Application

On Cx4193

(FNMA/FHLMC)

A licensed mortgage

broker or mortgage

loan originator under

the Oklahoma Secure

and Fair Enforcement

for Mortgage Licensing

Act

Both

A residential

mortgage loan

A dwelling (as

defined in Section

103[w] of TILA) or

residential real

estate upon which

is (or is intended

to be)

constructed such

a dwelling

On the

application

Okla. Stat. Ann.

tit. 59, § 2095.4

Oklahoma Secure

and Fair

Enforcement for

Mortgage

Licensing Act

FNMA 1003 Form -

Uniform Residential

Loan Application

Closing HELOC Agreement

– OK and HELOC

Plan – Billing

Rights

Cx1326 &

Cx1478

(Federal)

A creditor

Both

A revolving loan

account plan

Not specified, but

can include a

consumer’s

principal dwelling

Before opening

the account

Okla. Stat. Ann.

tit. 14A, § 3-309

Uniform

Consumer Credit

Code - Loans

12 CFR Pt. 1026,

App. G; Form G-3





http://www.federalreserve.gov/pubs/brochure.htm











Oregon (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required

Initial Disclosure Servicing

Disclosure

Statement

Cx20 (Federal) A person in connection

with a mortgage loan

Both

A mortgage loan Real estate Not specified Or. Admin. R.

441-870-0070(1)

Oregon Mortgage

Lender Law

12 CFR Pt. 1024,

App. MS-1

Initial Disclosure OR Escrow

Account

Statement

Cx2761 A mortgage servicing

company

Both

A real estate loan Residential

property,

including

multifamily

property,

occupied by

borrower

Prior to entering

into a real estate

loan agreement

Or. Rev. Stat. Ann.

§ 86.270

No

Initial Disclosure OR Escrow

Account Option

Notice

Cx2775 A lender

Both

A real estate loan Residential

property,

including

multifamily

property,

occupied by

borrower

Before arranging

for prepayments

of taxes,

insurance, and

similar charges.

Or. Rev. Stat. Ann.

§ 86.255

No


Insurance

Disclosure

Cx2778 A depository institution

Both

A loan of money

or extension of

credit

Property Not specified Or. Rev. Stat. Ann.

§ 746.215

No


Fee/Application

Disclosure

Cx2783 A mortgage banker or

mortgage broker

Both

Not specified Not specified Prior to or at the

time of receipt of

advance fees.

Or. Admin. R.

441-875-0030(8)

No

Initial Disclosure OR Float or Lock

Agreement


mortgage broker, or

mortgage loan

originator

Both

Residential or

single family

loans

Not specified Not specified Or. Admin. R.

441-850-

0005(21), 441-

865-0060(1)(c), &

441-870-0030(2)

Interest Rate

Lock/Float

Agreement 440-

4828

http://arcweb.sos.state.or.us/pages/rules/oars_400/oar_441/441_870.html


https://www.oregonlegislature.gov/bills_laws/ors/ors086.html









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






Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required

Initial Disclosure OR Late Charge

Notice

Cx4679 A lender, except for a

mortgage banking or

mortgage servicing

company

Both

A loan secured by

residential real

property

Residential real

property

Prior to execution

of the mortgage

Or. Rev. Stat. Ann.

§§ 86.165 &

86.180

No


Loan Application


Both


practically with

the application

Or. Rev. Stat. Ann.

§ 106.340

Oregon Family

Fairness Act

No

Initial Disclosure OR Conflict of

Interest Disclosure

Cx13604 (upon

request)

A person, mortgage

banker or mortgage

broker, or mortgage

loan originator

Both

A mortgage loan Not specified Before

negotiating loan

terms.

Or. Admin. R.

441-870-0030(4)

No

Initial Disclosure OR Spanish Good

Faith Estimate,

Spanish General

Disclosure, &

Spanish Truth-in-

Lending

Disclosure

Cx15656,

Cx15657, &

Cx15658 (all

Spanish)

A mortgage banker,

mortgage broker, or

mortgage loan

originator

Both

A residential

mortgage

transaction

Property upon

which is a 1-to-4

residential

dwelling units

When soliciting or

negotiating

business with a

borrower in

Spanish

Or. Rev. Stat. Ann.

§ 86A.198

Oregon Mortgage

Lender Law

Model Forms

Initial Disclosure,

Processing,

Underwriting, &

Closing

NMLS Unique

Identifier

Disclosed on 1003

Uniform

Residential Loan

Application

On Cx4193

(FNMA/FHLMC)

A licensed mortgage

loan originator under

Chapter 86A, Title 9 of

Oregon’s Revised

Statutes

Both

A residential

mortgage loan

Property upon

which is a 1-to-4

residential

dwelling units

On the

application

Or. Rev. Stat. Ann.

§ 86A.239

FNMA 1003 Form -

Uniform Residential

Loan Application





https://www.oregonlegislature.gov/bills_laws/ors/ors086A.html

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

https://www.oregonlegislature.gov/bills_laws/ors/ors086A.html






Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required

Initial Disclosure,

TILA Redisclosure,

& Closing

Itemization of

Amount Financed

01-01-10

Cx14644

(Federal)


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

Oregon

Consumer

Finance Act

12 CFR Pt. 1026,

App. H; Form H-3

Closing Prepayment Note

Addendum

Cx31 Any person making a

loan, including a lender

Both

Loans, including

mortgage loans

and loans of more

than 3 years

secured by a

mortgage

Real property With the loan

agreement

Or. Rev. Stat. Ann.

§§ 82.160, 82.170,

& 86.150; Or.

Admin. R. 441-

870-0040

Partial Statutory

Partial

Administrative

Closing All Oregon Deeds

of Trust

Cx346

(FNMA/FHLMC),

399 (FHA), 504,

& 1370

Not specified

Both

Not specified Real estate An instrument is

presented to a

county clerk for

recording

Or. Rev. Stat. Ann.

§ 205.234

No

FNMA Form 3038 -

Oregon

Closing OR Collateral

Protection

Insurance

Disclosure

Cx1007 The secured party

Both

A loan Real property With the contract

or loan

agreement

Or. Rev. Stat. Ann.

§ 746.201

Statutory


(Federal)


Oregon Consumer

Finance Act

Both

A loan,

presumably a

consumer finance

loan

Real property At the time any

loan is made

Or. Rev. Stat. Ann.

§ 725.360(1)

Oregon

Consumer

Finance Act

12 CFR Pt. 1024,

App. A
















Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required

Closing OR Statute of

Frauds Disclosure

Cx14718 A financial institution, a

consumer finance

company, a mortgage

banker

Both

A loan or

extension of

credit for a non-

consumer

purpose

Not specified, but

generally does

not apply to

residential real

property

consisting of 1-

to-4 dwelling

units, one of

which is the

borrower’s

residence

Not later that the

time the loan is

initially made.

Or. Rev. Stat. Ann.

§ 41.580(3)

Statutory





Pennsylvania (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required


Insurance

Disclosure

Cx2778 Any person, especially

a licensed insurance

producer under the

Insurance Department

who is an employee of

a financial institution

Both

A loan Real or personal

property

Before or at

application

18 Pa. Cons. Stat.

Ann. § 7309; 40

Pa. Stat. Ann. §

310.76(a) & (b)

The Insurance

Department Act

of 1921

No

Initial Disclosure PA High Cost

Loan Disclosure


broker

Both

A covered loan,

which is a non-

purchase

consumer credit

mortgage loan of

less than

$100,000

A consumer’s

principal dwelling

At least 3

business days

prior to

consummation.

63 Pa. Stat. Ann. §

456.512(a)

Statutory

Initial Disclosure PA Application

Disclosure


Mortgage Licensing

Act

Both


defined in Section

103[w] of TILA) or

residential real

estate

At the time of

application

7 Pa. Cons. Stat.

Ann. § 6121(10)

Mortgage

Licensing Act

No

Initial Disclosure PA Consumer

Mortgage

Disclosure Form

Cx14079 (upon

request)


Mortgage Licensing

Act (7 Pa. Cons. Stat.

Ann. §§ 6101 through

6153) or the Consumer

Discount Company Act

(7 Pa. Stat. Ann. §§

6201 through 6219)

Both

A loan (a

mortgage loan or

a loan involving a

mortgage)

A dwelling (as

defined in Section

103[w] of TILA) or

residential real

estate

Within 3 business

days after

application is

received or

prepared.

10 Pa. Code §

46.2(b) & (c)

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.legis.state.pa.us/WU01/LI/LI/CT/HTM/18/18.HTM


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

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









Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required

Initial Disclosure PA Lock-In

Agreement

Cx15748 (upon

request)


Mortgage Licensing

Act

Lenders


defined in Section

103[w] of TILA) or

residential real

estate

Not specified 7 Pa. Cons. Stat.

Ann. §§ 6102,

6121(11) &

6123(7)

Mortgage

Licensing Act

No


Disclosure


Lenders


defined in Section

103[w] of TILA) or

residential real

estate

When the

consumer elects

to obtain certain

insurances

7 Pa. Cons. Stat.

Ann. § 6122(a)(3)

Mortgage

Licensing Act

No


Statement


organization (CSO)

Brokers

An extension of

credit for

consumer

purposes


execution of a

contract or

agreement

between the

buyer and the

CSO or prior to

the CSO receiving

any consideration,

whichever occurs

first

73 Pa. Stat. Ann.

§§ 2184 & 2185

Credit Services

Act

No


organization (CSO)

Brokers

An extension of

credit for

consumer

purposes

Not specified Not specified 73 Pa. Stat. Ann. §

2186

Credit Services

Act

Statutory

Initial Disclosure PA Commitment

Agreement

Cx19064 (upon

request)

A mortgage lender

Lenders

A residential

mortgage loan

Not specified When the

residential

mortgage is

entered into

41 Pa. Stat. Ann §

303§ 30

10 Pa. Code

§§7.5& 46.2(k)(3)

No




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



Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required


Closing

All RESPA and

TILA Disclosures

Cx18, Cx1591,

Cx14221,

Cx14222, and

many others

(all Federal)

An institution (i.e. a

bank or a bank and

trust company)

Both

A loan or

extension of

credit

Not specified At various times 7 Pa. Stat. Ann. §

303(c)

Banking Code of

1965

12 CFR Pt. 1024

App. & 12 CFR Pt.

1026, App. G & H


Closing

PA Optional

Insurance Notice

Cx1027 A lender

Both

A covered loan,

which is a non-

purchase

consumer credit

mortgage loan of

less than

$100,000

A consumer’s

principal dwelling

Not later than the

time of closing.


456.512(f)(2)

Statutory


TILA Redisclosure

Property

Insurance

Consent on Truth-

in-Lending

Disclosure

On Cx1591

(Federal)

Mortgage lenders

Both


defined in Section

103[w] of TILA) or

residential real

estate

Not specified 7 Pa. Cons. Stat.

Ann. § 6122(a)(4)

Mortgage

Licensing Act

12 CFR Pt. 1026,

App. H

Initial Disclosure,

Processing,

Underwriting, &

Closing

NMLS Unique

Identifier

Disclosed on 1003

Uniform

Residential Loan

Application

On Cx4193

(FNMA/FHLMC)

A mortgage originator

Both


defined in Section

103[w] of TILA) or

residential real

estate

On the

application

7 Pa. Cons. Stat.

Ann. § 6121(14)

Mortgage

Licensing Act

FNMA 1003 Form -

Uniform Residential

Loan Application

Closing HELOC

Agreement – PA

Cx1349 An institution (i.e. a

bank or a bank and

trust company)

Both

A loan or

extension of

credit


practically before

making the loan

or extending

credit

7 Pa. Stat. Ann. §

303(d)

Banking Code of

1965

No












Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required

Closing UDAP Disclosure UR A seller

Both

Goods or services,

which involve a

note or other

evidence of

indebtedness

Not specified At the time of the

sale or contract


201-7(b) Unfair

Trade Practices

and Consumer

Protection Law

Statutory




Puerto Rico (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type



Requirement


Required

Initial Disclosure PR Anti-Coercion

Insurance

Disclosure

Cx18546 A person

Both

A loan Not specified Not specified P.R. Laws Ann. tit.

26, § 2713

Insurance Code of

Puerto Rico

No

Initial Disclosure PR Conflict of

Interest Disclosure

Cx18547 A grantee, member of

the Board of Directors,

of the Committee,

executive officer,

official, employee or

agent of the grantee,

who is acting on behalf

of more than one party

to the transaction

Both

A mortgage loan

or loans

Real property Before acting on

behalf of more

than one parties

to the transaction

P.R. Laws Ann. tit.

7, § 1057a(4)

Mortgage

Institutions Act

No

Initial Disclosure,

TILA Redisclosure,

& Closing

RESPA and TILA

Disclosures

Cx18, 14221,

and others (all

Federal)

Any person granting

loans under the

regulation

Both

Not specified, but

practically

mortgage loans

Real property Various times P.R. Regs. CIF Reg.

5722(10)(B) & (11)

12 CFR Pt. 1024,

App.

12 CFR Pt. 1026,

App. G & H

Initial Disclosure,

TILA Redisclosure,

& Closing

Itemization of

Amount Financed

01-01-10 or PR

HELOC Breakdown

of Costs

Disclosure

Cx14644

(Federal) or

Cx18548

A grantee, member of

the Board of Director,

of the Committee,

executive officer,

official, employee or

agent of the grantee.

Both

A mortgage loan

or loans

Real property Before granting

the loan or loans

P.R. Laws Ann. tit.

7, § 1057a(14)

Mortgage

Institutions Act

12 CFR Pt. 1026,

App. H, Form H-3







Rhode

Island (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required

Initial Disclosure RI Notice of

Nonrefundability

of Loan Fees

Cx3575 A loan originator,

broker, or lender

Both

A secured

mortgage loan

Real estate with

dwelling houses

of not more than

4

Not later than 3

business days

after the

application

R.I. Gen. Laws §

34-23-6

Statutory


Insurance

Cx3750 Any person who lends

money or extends

credit, including

lending institutions and

bank holding

companies

Both

Either: (a) a

mortgage; or (b)

a loan or

extension of

credit

Real or personal

property

Not specified R.I. Gen. Laws §

27-5-3.2 & 27-

29-4(9)(iv) & (10)

No

Initial Disclosure RI Right to Choose

Title

Agent/Attorney

Cx3847 A lending institution

Both

A mortgage loan,

residential

mortgage loan, or

commercial

mortgage loan

Real estate Not specified R.I. Gen. Laws §§

19-9-5 & 19-9-6

No

Initial Disclosure RI Addendum to

Uniform

Residential Loan

Application


Both

A loan secured by

an interest in real

estate

Real estate At application R.I. Gen. Laws §

19-9-32

No

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

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







Rhode


Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required

Initial Disclosure RI Prohibited Acts

of Lenders and

Loan Brokers

Cx11241 Lenders and loan

brokers

Both

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; R.I. Code R.

11-2-3 App. 5,

Form 1

Rhode Island

Home Loan

Protection Act

Administrative

Form 1 – Prohibited

Acts and Practices

Disclosure

Regarding All Home

Loans

Initial Disclosure RI Tangible Net

Benefit

Cx11242 A creditor

Both

A home loan

which refinances

a previous (home)

loan which was

consummated

within the prior

60 months

Real estate with a

1-to-4 family

dwelling used as

the borrower’s

principal

residence

Prior to or upon

consummation of

the loan

R.I. Gen. Laws §§

34-25.2-1

through 34-25.2-

15; R.I. Code R.

11-2-3:5(A)(v) &

App. 5, Form 3

Rhode Island

Home Loan

Protection Act

Administrative

Form 3 – Tangible

Net Benefit

Disclosure

Initial Disclosure RI High Cost

Related Prohibited

Acts of Lenders

and Loan Brokers

Cx11408 A creditor

Both

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; R.I. Code R.

11-2-3:5(A)(iv) &

App. 5, Form 2

Rhode Island

Home Loan

Protection Act

Administrative

Form 2 – Prohibited

Acts and Practices

Disclosure

Regarding High-

Cost Home Loans

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



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























Rhode


Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required

Initial Disclosure RI Home Loan

Protection Act

Disclosure

Cx12089 A creditor

Both

A high-cost home

loan

Real estate with a

1-to-4 family

dwelling used as

the borrower’s

principal

residence

Upon

determination

that a high-cost

home loan is

being obtained.

R.I. Gen. Laws

Ann. §§ 34-25.2-1

through 34-25.2-

15; R.I. Code R.

11-2-3:5(D)(iii) &

App. 5, Form 5

Rhode Island

Home Loan

Protection Act

Administrative

Form 5 – Consumer

Caution and Home

Ownership

Counseling Notice

and Certification

Initial Disclosure RI Form 4 HLPA Cx12090 A creditor

Both

A high-cost home

loan

Real estate with a

1-to-4 family

dwelling used as

the borrower’s

principal

residence

Upon

determination

that a high-cost

home loan is

being obtained

R.I. Gen. Laws

Ann. §§ 34-25.2-1

through 34-25.2-

15; R.I. Code R.

11-2-3:5(D)(iii) &

App. 5, Form 4

Rhode Island

Home Loan

Protection Act

Administrative

Form 4 – Rhode

Island High-Cost

Home Loan

Protection Act

Disclosure


Application


Both


practically with

the application

R.I. Gen. Laws

Ann. § 15-3.1-6;

R.I. Gov. Exec.

Order 12-02

No



















http://webserver.rilin.state.ri.us/Statutes/TITLE15/15-3.1/15-3.1-6.HTM

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


Rhode


Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required

Initial Disclosure RI Financial

Institution

Insurance Sales

Privacy Notices

Cx17887, 17888,

& 17889 (all

upon request)

Licensees under the

Banking and Insurance

Consumer Protection

Act (R.I. Gen. Laws Ann.

§§ 27-58-1 through 27-

58-13)

Both

Not specified, but

one in which an

insurance product

offered by the

licensee is sought

Not specified Before disclosing

any nonpublic,

personal financial

information to a

nonaffiliated third

party

R.I. Admin. Code

§ 11-5-99:5, 7, &

8

Banking and

Insurance

Consumer

Protection Act

R.I. Admin. Code §

11-5-99:A

Initial Disclosure RI Commitment

Agreement

Cx19062 (upon

request)

A person who lends

money or extends

credit, and who solicits

insurance

Lenders

A first mortgage

credit extension

Real property Before soliciting

insurance for the

protection of real

property

R.I. Gen. Laws

Ann. § 27-29-

4(9)(iii)(A)

No

Initial Disclosure RI Unemployment

Insurance

Disclosure

UR Either: (1) not specified;

or (2) a lender or loan

broker

Both

Either: (1) an

extension of

credit; or (2) a

loan

Not specified Not specified R.I. Gen. Laws

Ann. §§ 6-26-

2(c)(1)(iii) & 19-

14.1-3

No

Initial Disclosure RI Privacy Notice UR A licensee under the

Financial Institution

Insurance Sales Act (R.I.

Gen. Laws Ann. §§ 27-

58-1 through 27-58-

13)

Both

Not specified Not specified Before the

licensee discloses

any nonpublic

personal financial

information

about the

consumer to any

nonaffiliated third

party

R.I. Code R. 11-5-

99

Financial

Institution

Insurance Sales

Act

Administrative








Rhode


Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required

Initial Disclosure RI Depository

Institution

Insurance

Disclosure

UR A person, particularly a

financial institution

Both

Either: (1) a

banking product

or service, or a

loan of money or

extension of

credit; (2) any

loan for which

insurance is

required; or (3) a

banking product

or service


signing of a loan

or mortgage

application

R.I. Gen. Laws

Ann. §§ 27-58-6

& 27-58-7; R.I.

Code R. 11-5-90:4

& 11-5-90:5

Financial

Institution

Insurance Sales

Act

No

Initial Disclsoure RI Unemployment

Insurance

Disclosure

Cx20859 (upon

request)

A lender or loan broker

Both

A mortgage loan Not specified Not specified R.I. Gen Laws §§

6-26-2(c)(1)(iii) &

19-14.1-3

No


Credit Denial,

Termination, or

Change

Cx15858

(Federal)

A user of a credit

report

Both

Credit for

personal, family,

or household

purposes

Not specified Not specified R.I. Gen. Laws

Ann. § 6-13.1-

21(b)

Unfair Trade

Practice and

Consumer

Protection Act

12 CFR Pt. 1002,

App. C; Form C-1







Rhode


Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required

Initial Disclosure,

Processing,

Underwriting, &

Closing

NMLS Unique


on 1003 Uniform

Residential Loan

Application

On Cx4193

(FNMA/FHLMC)



loan

Both

A residential

mortgage loan

A dwelling (as

defined in Section

103[w] 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

Secure and Fair

Enforcement

Mortgage

Licensing Act of

2009

FNMA 1003 Form -

Uniform Residential

Loan Application


Adverse Action

RI Appraisal Fee

Disclosure and

Addendum to

Statement of

Credit Denial,

Termination, or

Change

Cx5102 &

Cx15905

A lending institution

Both

A mortgage loan Real estate Prior to receiving

an appraisal fee.

R.I. Gen. Laws §

19-9-3

No

Closing All RI Promissory

Notes and Security

Instruments

Cx5

(FNMA/FHLMC),

Cx348 (FHA),

Cx401, Cx506,

Cx3064, and

others

A lender or loan broker

Both

A loan Not specified On the note or

security

instrument

(closings)

R.I. Gen. Laws

Ann. § 19-14.1-1

FNMA Notes

FNMA Form 3040

FHA Model

Mortgage












Rhode


Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required

Initial Disclosure Penalty Disclosure,

Rider, and

Addendum

Cx12387, &

Cx12388

A bank, trust company,

loan company,

building-loan

association, credit

union, finance

company and other

person(s)

Both

A loan secured by

a mortgage

Real estate

containing

dwelling houses

of not more than

4 dwelling units

In the mortgage

note

R.I. Gen. Laws §

34-23-5

No

Closing Homestead Waiver

on all RI

Mortgages and RI

Waiver of

Homestead

On Cx348

(FNMA/FHLMC),

Cx401 (FHA),

Cx506, &

Cx3064

Not specified

Both

Not specified, but

practically a

purchase loan

A homestead to

the extent of

$500,000

Not specified R.I. Gen. Laws

Ann. § 9-26-4.1;

R.I. Code R. 11-2-

3:5(F)

FNMA Form 3040

FHA Single Family

Handbook 4155.2

12.A.1

Closing RI Notification to

Buyers of

Withholding Tax

Requirement


practically a lending

institution

Both

A purchase loan Real property Not specified R.I. Gen. Laws

Ann. § 44-30-

71.3(d); R.I. Code

R. 60-1-140:1

No

Closing Rhode Island

Prepayment

Penalty Disclosure

Cx12387,

Cx12388, &

12389

Every bank, trust

company, loan

company, building-

loan association, credit

union, finance

company, and other

persons making a loan.

Both

A nonpurchase

money loan or a

loan secured by a

mortgage

Dwelling houses

of not more than

four dwelling

units

Not specified R.I. Gen. Laws

Ann. § 34-23-5

No








Rhode


Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required

Closing RI Nonresident Tax

Forms

Cx16920 (upon

request)

The buyer

Both

Not specified, but

practically a

purchase loan

Real property

being sold by a

nonresident

Within 3 banking

days after

recording of the

instrument of

transfer or within

30 days after

closing,

whichever is

earlier

R.I. Gen. Laws

Ann. § 44-30-71.3;

R.I. Code R. 60-1-

140:(VI)(3),

(VIII)(4), & (VIII)(5)

RI 71.3

Closing RI Open-End

Consumer Credit

Plan Disclosure

Cx19063 (upon

request)

Not specified An open-end

consumer credit

plan

A consumer’s

principal dwelling

On or before the

closing date

R.I. Gen. Laws

Ann. § 6-27-11

The Rhode Island

Truth in Lending

and Retail Selling

Act

No




http://www.tax.state.ri.us/taxforms/nrrewh.php



South


Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Required


Insurance

Disclosure

Cx2778 A lender, vender, or

person

Both

A financing of

the purchase of

real property, a

lending of

money on the

security of the

real property, or

a renewal and

extension of a

loan or

mortgage

Real property Not specified S.C. Code Ann. §

38-57-110

The Insurance

Law

No

Initial Disclosure SC Tangible

Benefit

Worksheet

Cx2889 (upon

request)

Not specified

Both

A consumer

home loan that

refinances within

42 months an

existing

consumer home

loan

Real estate with

a 1-to-4 family

structure that is

the borrower’s

principal

dwelling

Not specified S.C. Code §§ 37-

23-20(8) & 37-

23-70(A)

South Carolina

High-Cost and

Consumer Home

Loan Act

No

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






South


Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Required

Initial Disclosure SC Mortgage

Broker Fee

Agreement for

Financial Services

Cx3525 A broker, mortgage

broker, or loan

originator

Brokers

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);

South Carolina

High-Cost and

Consumer Home

Loans Act and

Licensing of

Mortgage

Brokers Act

Fee Agreement

Sample

Initial Disclosure SC Attorney and

Insurance

Preference

Disclosure

Cx3848 A creditor

Both

A loan secured

by a lien on real

estate for a

personal, family,

or household

purpose,

excluding a

consumer loan

Real estate No later than 3

business days after

application

S.C. Code Ann. §

37-10-102(a)

South Carolina

Consumer

Protection Code

Attorney/Insurance

Preference






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






South


Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Required

Initial Disclosure SC Borrower

Complaints


originator

Both

A mortgage

loan, including a

consumer home

loan

Real estate with

a 1-to-4 family

structure that is

the borrower’s

principal

dwelling

At the time of

application

S.C. Code Ann. §

37-23-70(D)

South Carolina

High-Cost and

Consumer Home

Loans Act

Fee Agreement

Sample

Initial Disclosure,

Processing,

Underwriting, &

Closing

NMLS Unique

Identifier

Disclosed on

1003 Uniform

Residential Loan

Application; All

S.C. documents

On Cx4193

(FNMA/FHLMC)

and all other S.C.

documents

A licensee under


South Carolina’s Code

Both


property,

consisting of

one or more

single-family,

owner occupied

dwellings

Various S.C. Code Ann.

§§ 37-22-210(F),

37-22-270(D)

& 40-58-130(D);

S.C. Code Ann.

Reg. 15-64

South Carolina

Consumer

Protection Code

FNMA 1003 Form -

Uniform Residential

Loan Application

Initial Disclosure,

Processing,

Underwriting, &

Closing

NMLS Unique

Identifier

Disclosed on

1003 Uniform

Residential Loan

Application; All

S.C. documents

Cx21511 (upon

request)

A licensee under


South Carolina’s Code

Both


property,

consisting of

one or more

single-family,

owner occupied

dwellings

Various S.C. Code Ann.

§§ 37-22-210(F)

& 37-22-270(F);

S.C. Code Ann.

Reg. 15-64

South Carolina

Consumer

Protection Code

FNMA 1003 Form -

Uniform Residential

Loan Application






https://www.scstatehouse.gov/code/t40c058.php

http://www.scstatehouse.gov/coderegs/c015.php






http://www.scstatehouse.gov/coderegs/c015.php





South


Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Required

Closing SC Notice to

Cosigners


Both

A consumer

loan, which

generally is a

junior lien loan

An interest in

land

Before or

contemporaneously

with signing any

agreement of

obligation.

S.C. Code § 37-

3-303

South Carolina

Consumer

Protection Code

- Loans

Statutory

Closing Notice of

Servicing

Transfer

Cx17905

(Federal)

A lender

Both

A consumer

loan, which

generally is a

junior lien loan

An interest in

land

Not specified S.C. Code Ann. §

37-3-406

South Carolina

Consumer

Protection Code

- Loans

12 CFR Pt. 1024,

App. MS-2


South


Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required


Insurance

Disclosure

Cx2778 Any person

Both

A loan of money

upon the security

of any property or

the renewal or

extension of any

loan or mortgage

Real property Not specified S.D. Codified Laws

§ 58-33-31

The Insurance

Code

No






http://legis.sd.gov/Statutes/Codified_Laws/DisplayStatute.aspx?Type=Statute&Statute=58-33-31&cookieCheck=true


Tennessee (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required


Fee/Application

Disclosure


Tennessee Residential

Lending, Brokerage

and Servicing Act

Both

A residential

mortgage loan

A dwelling (as

defined in Section

103[w] of TILA) or

residential real

estate upon

which is (or

intended to be)

constructed such

a dwelling

Not specified, but

practically at

application

Tenn. Code Ann. §

45-13-206(c)

Tennessee

Residential

Lending,

Brokerage and

Servicing Act

No


Insurance

Disclosure

Cx2788 Either: (1) a person or a

depository institution

(including affiliates of

such); (2) a lender; or

(3) a creditor

Both

Either: (1) a loan

of money or

extension of

credit; (2) a loan;

or (3) a credit

transaction

Real estate Not specified Tenn. Code Ann. §

56-8-106(a)

through (d); Tenn.

Comp. R. & Regs.

0780-01-07.02 &

0780-01-07-.13(a)

Tennessee Unfair

Trade Practices

and Unfair Claims

Settlement Act of

2009

No

Initial Disclosure TN Title Insurance

Disclosure

Cx4167 A person conducting or

handling the

settlement

Both

A transaction

involving the

purchase or sale

of a fee simple

possessory

interest

Real property At or before the

closing of

settlement and

disbursement of

any funds

Tenn. Code Ann. §

56-35-133

Title Insurance

Law

Statutory

http://www.tsc.state.tn.us/Tennessee%20Code



http://www.tn.gov/sos/rules/0780/0780-01/0780-01.htm

http://www.tn.gov/sos/rules/0780/0780-01/0780-01.htm




Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required

Initial Disclosure TN High Cost

Notice to

Borrower

Cx13071 A lender, including a


Both

A high-cost home

loan

Real estate upon

which is (or will

be) located a 1-

to-4, owner-

occupied

structure

At least 3

business days

prior to

consummation

Tenn. Code Ann. §

45-20-103(16)

Tennessee Home

Loan Protection

Act

Statutory

Initial Disclosure TN High Cost

Home Loan

Counseling Notice

Cx13072 A lender, including a


Both

A high-cost home

loan

Real estate upon

which is (or will

be) located a 1-

to-4, owner-

occupied

structure

No later than 3

business days

after a lender

receives an

application

Tenn. Code Ann. §

45-20-103(21)

Tennessee Home

Loan Protection

Act

No

Initial Disclosure TN Lock-In

Agreement


lender under the


Lending, Brokerage

and Servicing Act

(Tenn. Code Ann. §§

45-13-101 through 45-

13-506)

Both

A residential

mortgage loan

A dwelling (as

defined in Section

103[w] of TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

Not specified Tenn. Comp. R. &

Regs. 0180-17-

.01, 0180-17-.04,

0180-17-.05

Tennessee

Residential

Lending,

Brokerage, and

Servicing Act

No


Tangible Net

Benefit Worksheet

Cx15773 (upon

request)



Both

A high-cost home

loan which

refinances, within

30 months, an

existing home

loan or high-cost

home loan

Real estate upon

which is (or will

be) located a 1-

to-4, owner-

occupied

structure

Not specified Tenn. Code Ann. §

45-20-103(4)

Tennessee Home

Loan Protection

Act

No



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







Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required

Initial Disclosure TN Commitment

Letter

Cx15810 A lender or creditor,

including a licensed

mortgage lender under

the Tennessee

Residential Lending,

Brokerage and

Servicing Act

Both

A loan of money

or extension of

credit, including a

residential

mortgage loan

Either: (1) not

specified; or (2) a

dwelling (as

defined in Section

103[w] of TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed such

a dwelling

Not specified Tenn. Code Ann.

§§ 29-2-101(b) &

47-14-113(b);

Tenn. Comp. R. &

Regs. 0180-17-.01

& 0180-17-.06

Tennessee

Residential

Lending,

Brokerage and

Servicing Act

No

Initial Disclosure TN Consent to

Disclose Insurance

Information

Notice

Cx18480 (upon

request)

A lender, mortgagee,

assignee, or creditor

Both

A loan Real estate Before disclosing

to other persons

or parties

information with

respect to the

insurance policy

Tenn. Code Ann. §

47-23-101(a)

No


Closing

Certification and

Authorization


Both


practically before

sharing the

financial records

of a customer

with another

person.

Tenn. Code Ann.

§§ 45-10-104 &

45-10-105

Financial Records

Privacy Act

No










Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required

Initial Disclosure,

Processing,

Underwriting, &

Closing

NMLS Unique

Identifier

Disclosed on 1003

Uniform

Residential Loan

Application

On Cx4193

(FNMA/FHLMC)

A licensed mortgage

lender or mortgage

broker under the


Lending, Brokerage,

and Servicing Act

Both

A residential

mortgage loan

A dwelling (as

defined in Section

103[w] of TILA) or

residential real

estate upon

which is (or

intended to be)

constructed a

dwelling

On the

application

Tenn. Code Ann. §

45-13-303(d)

Tennessee

Residential

Lending,

Brokerage and

Servicing Act

FNMA 1003 Form -

Uniform Residential

Loan Application

Closing High-Cost Home

Loan Legend on

Conventional

Tennessee

Promissory Notes

and Security

Instruments

Cx5

(FNMA/FHLMC),

Cx351

(FNMA/FHLMC),

& Cx508

Not specified, but

practically a lender

Both

A high-cost home

loan

Real estate upon

which is (or will

be) located a 1-

to-4, owner-

occupied

structure

Not specified, but

practically at

closing

Tenn. Code Ann. §

45-20-103(19)

Tennessee Home

Loan Protection

Act

Statutory

FNMA Form 3200 –

Multistate Fixed-

Rate Note

FNMA Form 3043 -

Tennessee

Closing Various

Disclosures on All

Tennessee

Security

Instruments

Cx351

(FNMA/FHLMC),

Cx404 (FHA),

Cx509, &

Cx1389

Not specified, but

practically lenders

Both

Either: (1) real

estate; (2) not

specified; or (3)

real property

Either: (1) A deed

of trust or

mortgage; (2) not

specified; or (3)

indebtedness

Not specified, but

practically at

closing

Tenn. Code Ann.

§§ 66-8-101, 66-

8-103, 66-24-110,

66-24-115(a), &

67-4-409(b)

Partial Statutory

FNMA Form 3043 -

Tennessee

FHA Single Family

Handbook 4155.2,

ch. 12.A.2

Closing HELOC Deed of

Trust – TN and

HELOC

Agreement – TN

Cx1389 &

Cx1392

A creditor

Both

An open-end

mortgage

Real property Not specified, but

practically at

closing

Tenn. Code Ann. §

47-28-104

No



















http://portal.hud.gov/hudportal/HUD?src=/program_offices/administration/hudclips/handbooks/hsgh






Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required


(Federal)



Lending, Brokerage,

and Servicing Act

Both

A residential

mortgage loan

A dwelling (as

defined in Section

103[w] of TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed such

a dwelling

Not specified, but

practically at

closing

Tenn. Comp. R. &

Regs. 0180-17-.02

Tennessee

Residential

Lending,

Brokerage and

Servicing Act

12 CFR Pt. 1024,

App. A

Closing HUD-1 01-01-10,

Tennessee

Promissory Note,

and Tennessee

Security

Instrument

Cx14222

(Federal) and

others

A party to the loan

Both

A loan not

otherwise subject

to Tenn. Code

Ann. § 47-14-

113(a)


practically at

closing

Tenn. Code Ann. §

47-14-113(d)

12 CFR Pt. 1024,

App. A

Closing Notice of

Servicing Transfer

Cx17905

(Federal)

A transferor of

servicing rights

Both

A residential

mortgage loan

A dwelling (as

defined in Section

103[w] of TILA) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

At least 10

calendar days

before the first

payment affected

by the notice is

due

Tenn. Comp. R. &

Regs. 0180-17-.03

Tennessee

Residential

Lending,

Brokerage, and

Servicing Act

12 CFR Pt. 1024,

App. MS-2










Texas (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement

Legal Reference Specific Language Required


Insurance

Disclosure

Cx2778 A depository

institution

Lenders

A loan or

extension of

credit

Property Not specified Tex. Ins. Code

Ann. § 556.051

No

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



Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement



Fee/Application

Disclosure

Cx2783 A residential

mortgage loan

originator sponsored

by a licensed or

registered residential

mortgage loan

company under the


Loan Company

Licensing and

Registration Act

Both

A residential

mortgage loan

A dwelling (as

defined by

Section 103[w]

of TILA) or

residential real

estate on which

a dwelling is

constructed or

intended to be

constructed

Not specified Tex. Fin. Code §

156.304(a)

Residential

Mortgage Loan

Company

Licensing and

Registration Act

No

Initial Disclosure TX Mortgage

Banker

Disclosure

Cx2999 Either: (1) a

mortgage banker

that is a residential

loan originator; or (2)

an originator

sponsored under the

Mortgage Banker

Registration and


Loan Originator

License Act

Lenders

A residential

mortgage loan

A dwelling (as

defined by

Section 103[w]

of TILA) or

residential real

estate on which

a dwelling is

constructed or

intended to be

constructed

At application Tex. Fin. Code

Ann. §

157.0021(a); 7

Tex. Admin.

Code § 81.200(a)

Mortgage

Banker

Registration and

Residential

Mortgage Loan

Originator

License Act

Statutory/Administrative/Mortgage

Banker - Required Disclosure Form



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

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




Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Initial Disclosure Disclosure of

Multiple Roles in

a Consumer Real

Estate

Transaction

Cx3581 A licensed or


mortgage loan

company under the


Loan Company

Licensing and

Registration Act, who

also acts as either a

real estate broker,

salesperson, or

attorney

Both

A residential

mortgage loan

A dwelling (as

defined by

Section 103[w]

of TILA) or

residential real

estate on which

a dwelling is

constructed or

intended to be

constructed

Before acting in

a dual capacity

Tex. Fin. Code §

156.303(a)(13)

Mortgage Loan

Company

Licensing and

Registration Act

Disclosure of Multiple Roles

Initial Disclosure TX Important

Notice to Home

Loan Borrowers

Cx3591 A lender

Both

A home loan

with an interest

rate of 12% or

more a year

A

manufactured

home or real

property

improved by a

1-to-4 family

dwelling which

is used as the

borrower’s

principal

residence

At the time the

GFE is given or,

if RESPA does

not apply to

the loan, 3

business days

after

application.

Tex. Fin. Code

Ann. § 343.102

Model Form

Initial Disclosure TX Notice

Concerning

Extensions of

Credit - Spanish

Cx3640

(Spanish)

A lender

Both

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

Aviso Sobre El Credito Que Se

Concede




http://info.sos.state.tx.us/fids/07_0005_0001-1.html

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


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

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



Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Initial Disclosure TX Insurance

Notice to

Applicant

Cx3715 A lender offering

credit life, disability,

or unemployment

insurance on a

prepaid single

premium basis

Both

A home loan A

manufactured

home or real

property

improved by a

1-to-4 family

dwelling which

is used as the

borrower’s

principal

residence

Not later than

3 business days

after receipt of

application.

Tex. Fin. Code

Ann. § 343.104

Texas Credit

Title

Statutory

Initial Disclosure TX Residential

Mortgage Loan

Originator

Disclosure

Cx3883 A residential

mortgage loan


by a licensed or


mortgage loan

company under the

Mortgage Loan

Company Licensing

and Registration Act

Both

A residential

mortgage loan

A dwelling (as

defined by

Section 103[w]

of TILA) or

residential real

estate on which

a dwelling is

constructed or

intended to be

constructed

With an initial

application

Tex. Fin. Code

Ann. § 156.004;

7 Tex. Admin.

Code §§

80.200(a) &

80.204(b)(1)(C)

Mortgage Loan

Company

Licensing and

Registration Act

Mortgage Company - Required

Disclosure Form

Initial Disclosure TX Disclosure

Statement

Required for

Residential

Construction

Cx4262 A lender

Both

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)

Statutory











Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Initial Disclosure TX Notice

Concerning

Extensions of

Credit

Cx4549 A lender

Both

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;

Tex. Const. art.

16, § 50(f)(2)(D)

Constitutionally

Initial Disclosure TX Complaint

Notice

Cx10735

(upon request)

A licensee under


of Texas’ Finance

Code, a bank, or a

savings association

Lenders

Not specified

A loan under

Chapter 342,

Title 4 of Texas’

Finance Code

(a consumer

loan)

Not specified

A 1-to-4 family

dwelling

With each

contract of a

licensee

Tex. Fin. Code

Ann. § 14.104; 7

Tex. Admin.

Code §

90.105(b)(5)

Administrative


Notice

Cx15182

(Federal)

Either: (1) an entity

regulated by the

Texas Department of

Banking or the

Department of

Savings and

Mortgage Lending;

or (2) a licensee

under Chapter 342,

Title 4 of Texas’

Finance Code

Both

Not specified.

A loan under

Chapter 342,

Title 4 of Texas’

Finance Code

(a consumer

loan)

Not specified.

A 1-to-4 family

dwelling

With any

privacy notice

required to be

provided by

Federal or

Texas law

Tex. Fin. Code

Ann. § 11.307; 7

Tex. Admin.

Code §§ 11.37 &

90.105(b)(1) – (4)

12 CFR Pt. 1016, App. A



http://www.statutes.legis.state.tx.us/Docs/CN/htm/CN.16.htm







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



Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement



Banker

Conditional

Approval Letter

(Form B)

Cx16682

(upon request)

A residential

mortgage loan

originator or a

mortgage banker

licensed or

registered under the

Mortgage Loan

Company Licensing


and the Texas Secure


for Mortgage

Licensing Act of 2009

(Tex. Fin. Code §§

180.001 through

180.252)

Both

A residential

mortgage loan

A dwelling (as

defined by

Section 103[w]

of TILA) or

residential real

estate on which

a dwelling is

constructed or

intended to be

constructed

Not specified,

but practically

when an

application is

approved on

the basis of

credit

worthiness but

not on

collateral

Tex. Fin. Code

Ann. § 156.105;

7 Tex. Admin.

Code § 81.201(b)

Mortgage Loan

Company

Licensing and

Registration Act

and Mortgage

Bank

Registration and

Residential

Mortgage Loan

Originator

License Act

Mortgage Banker - Conditional

Approval Letter [Form B]


Company

Conditional

Approval Letter

(Form B)

Cx16683 (upon

request)

A residential

mortgage loan


by a licensed or


mortgage loan

company under the

Mortgage Loan

Company Licensing


Both

A residential

mortgage loan

A dwelling (as

defined by

Section 103[w]

of TILA) or

residential real

estate on which

a dwelling is

constructed or

intended to be

constructed

Not specified,

but practically

when an

application is

approved on

the basis of

credit

worthiness but

not on

collateral

Tex. Fin. Code

Ann. § 156.105;

7 Tex. Admin.

Code § 80.201(b)

Mortgage Loan

Company

Licensing and

Registration Act

Mortgage Company - Conditional

Approval Letter [Form B]











Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement



Banker

Conditional

Qualification

Letter (Form A)

Cx16684 (upon

request)

A residential

mortgage loan

originator or a

mortgage banker

licensed or


Mortgage Loan

Company Licensing


and the Texas Secure


for Mortgage

Licensing Act of 2009


180.001 through

180.252)

Both

A residential

mortgage loan

A dwelling (as

defined by

Section 103[w]

of TILA) or

residential real

estate on which

a dwelling is

constructed or

intended to be

constructed

Not specified,

but practically

when a

conditional

qualification is

established

Tex. Fin. Code

Ann. § 156.105;

7 Tex. Admin.

Code § 81.201(a)

Mortgage Loan

Company

Licensing and

Registration Act

and Mortgage

Bank

Registration and

Residential

Mortgage Loan

Originator

License Act

Mortgage Banker - Conditional

Qualification Letter [Form A]


Company

Conditional

Qualification

Letter (Form A)

Cx16685

(upon request)

A residential

mortgage loan


by a licensed or


mortgage loan

company under the

Mortgage Loan

Company Licensing


Both

A residential

mortgage loan

A dwelling (as

defined by

Section 103[w]

of TILA) or

residential real

estate on which

a dwelling is

constructed or

intended to be

constructed

Not specified,

but practically

when a

conditional

qualification is

established

Tex. Fin. Code

Ann. § 156.105;

7 Tex. Admin.

Code § 80.201(a)

Mortgage Loan

Company

Licensing and

Registration Act

Mortgage Company - Conditional

Qualification Letter [Form A]











Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement



Disclosure and

Truth-in-Lending

Total Payments

Itemization

Cx18 &

Cx15444 (both

Federal)

A lender

Both

A loan under

Chapter 342,

Title 4 of Texas’

Finance Code

(a consumer

loan)

A 1-to-4 family

dwelling

Before taking a

loan obligation

Tex. Fin. Code §

342.505

12 CFR Pt. 1026, App. H

Closing Notice of

Confidentiality

Rights on TX

Deed of Trust

On Cx352

(FNMA/FHLMC),

Cx405 (FHA),

Cx510, &

Cx6178

(FNMA/FHLMC)

Not specified

Both

Not specified Real property Not specified,

but practically

at closing

Tex. Prop. Code

Ann. § 11.008(c)

Statutory

FNMA Form 3044 - Texas

FNMA Form 3044.1 - Texas Home

Equity Security Instrument First

Lien

Closing TX 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)

Texas Credit

Title

No

Closing TX Home Equity

Affidavit of Fair

Market Value of

Homestead

Property

Cx3653 A lender

Both

A 50(a)(6)

equity loan

A homestead On the date

the extension

of credit is

made

Tex. Const. Art.

16, §

50(a)(6)(Q)(ix);

Tex. Const. art.

16, § 50(f)(2)(c)

No

Closing TX Notice of No

Oral Agreements


Both

A loan

agreement in

which the

amount of the

loan exceeds

$50,000

Not specified In or with the

loan

agreement

Tex. Bus. & Com.

Ann. § 26.02(e) –

(f)

Statutory

Certain Loan Agreements Must Be

in Writing













http://www.dob.texas.gov/banks-trust-companies/texas-state-chartered-banks-holding-companies




Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Closing TX Affidavit of

Reasonable

Costs on

Homestead

Property

Refinance

Cx3684 (upon

request)

Not specified

Both

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

No


Owner’s Affidavit

of Compliance,

TX Home Equity

Owner’s Affidavit

Acknowledging

Lender’s

Compliance and

HUD-1 01-01-10

Cx5008, Cx5010

and Cx14222

(Federal)

A lender

Both

A 50(a)(6)

equity loan

A homestead One business

day before

closing

Tex. Const. art.

16, §

50(a)(6)(M)(ii),

50(g); 7 Tex.

Admin. Code §

153.13; Tex.

Const. art. 16, §

50(f-1)

12 CFR Pt. 1024, App. A


Discount Point

Acknowledgment

Cx5029 A lender

Both

A 50(a)(6)

equity loan

A homestead Not specified Tex. Const. art.

16, § 50(a)(6)(E);

7 Tex. Admin.

Code § 153.5

No

Closing Texas Veterans

Land Board

Take-Out Loan

Affidavit


Both

A take-out loan A single

dwelling home

At closing Texas Veterans’

Land Board

Take-Out Loans Affidavit Post-

Interim Financing








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



Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement



Election Not to

Rescind

Cx9522 A lender

Both

A 50(a)(6)

equity loan

A homestead At closing Tex. Const. Art.

16, §

50(a)(6)(Q)(viii);

7 Tex. Admin.

Code § 153.25

No

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 Licensing



156.001 through

156.508); or (3) a

licensee under the

Mortgage Banker

Registration and


Loan Originator Act


157.001 through

157.031)

Both

Either: (1) a

home loan; or

(2) a residential

mortgage loan

Either: (1) a

manufactured

home or real

property

improved by a

1-to-4 family

dwelling which

is used as the

borrower’s

principal

residence; or

(2) a dwelling

(defined by

Section 103[w]

of TILA) or

residential real

estate which

has or shall

have a dwelling

At closing Tex. Fin. Code §

343.105; 7 Tex.

Admin. Code §§

80.204(b)(1)(E) &

81.204(b)(1)(E)

Residential

Mortgage Loan

Company

Licensing and

Registration Act

and Mortgage

Banker

Registration and

Residential

Mortgage Loan

Originator Act

Notice of Penalties for Making or

Misleading Statements and Notice

of Penalties for Making False or

Misleading Statement








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





Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Closing Spanish Truth-in-

Lending

Disclosure

Cx14389

(Spanish)

A licensee under


of Texas’ Finance

Code

Both

A loan under

Chapter 342,

Title 4 of Texas’

Finance Code

(a consumer

loan) or a

home equity

loan regulated

by the Texas

Office of

Consumer

Credit

Commissioner

A 1-to-4 family

dwelling

No later than

consummation

of the loan

contract

Tex. Fin. Code

Ann. § 341.502;

7 Tex. Admin.

Code § 90.701

Texas Credit

Title

Administrative

Closing TX Disclosure of

Servicing

Complaints

16006

(upon request)

Either: (1) a

mortgage banker


Mortgage Banker

Registration and


Loan Originator

License Act, who is a

loan originator; or (2)

a registrant under

the Residential

Mortgage Loan

Servicer Registration

Act

Both

A residential

mortgage loan

A dwelling or

residential real

estate, which

has either: (1) a

dwelling, as

defined under

Section 103(v)

of TILA; or (2) a

1-to-4 family

dwelling

Not later than

the 30th day

after the

registrant

commences

servicing the

loan.

Tex. Fin. Code §§

157.0021(b) &

158.101

Mortgage

Banker

Registration and

Residential

Mortgage Loan

Originator

License Act

and

Residential

Mortgage Loan

Servicer

Registration Act

Statutory

Required Disclosure Statement






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



Utah (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required


Insurance

Disclosure

Cx2778 A person, including

one both authorized

to engage in insurance

activities and who

extends credit

Both

An extension of

credit


written

application or, if

there is no written

application,

before closing

Utah Code Ann.

§§ 31A-23a-402(5)

& 31A-23a-416

Partial Statutory


Fee/Application

Disclosure

Cx2783 Either: (1) a person

transacting the

business of residential

mortgage loans; or (2)

a lender or broker

Both

Either: (1) a

closed-end, first

lien residential

mortgage loan; or

(2) a mortgage

loan of more than

two years

Either: (1) a 1-to-4

unit dwelling

(including

condos, coops,

and

manufactured

homes or

residential real

property; or (2)

not specified

Before accepting

a fee or deposit

Utah Code Ann.

§§ 61-2C-

301(1)(b) & 70D-

2-305

Utah Residential

Mortgage

Practices and

Licensing Act and

Mortgage

Lending and

Servicing Act

No

Initial Disclosure UT Loan Notice Cx15693 A lender or broker

Both

A mortgage loan

of more than two

years


receipt or

preparation of the

written

application

Utah Code Ann. §

70D-2-302

Mortgage

Lending and

Servicing Act

No

http://le.utah.gov/code/TITLE31A/htm/31A23a040200.htm

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

http://le.utah.gov/code/TITLE61/htm/61_02c030100.htm

http://le.utah.gov/code/TITLE61/htm/61_02c030100.htm

http://le.utah.gov/code/TITLE70D/htm/70D02_030500.htm




Utah (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required

Initial Disclosure

and Closing

UT 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, in

which points,

fees, or other

changes payable

to the lender or

any third party in

an amount in

excess of 8% of

the total loan

amount are

financed into the

loan

A borrower’s

principal dwelling

No less than 3

business days

prior to

consummation

Utah Code Ann. §

61-2d-105(1) &

(2)

Utah High Cost

Home Loan Act

Statutory

Initial Disclosure

and TILA

Redisclosure

Notice of Right to

Receive Copy of

Appraisal Report

Cx17903 A person transacting

the business of


loans

Both

A closed-end, first

lien residential

mortgage loan

A 1-to-4 unit

dwelling

(including

condos, coops,

and

manufactured

homes) or

residential real

property

Not specified Utah Code Ann. §

61-2c-301(1)(n)

12 CFR Pt. 1002,

App. C, Form C-9

Closing Various

Disclosures on UT

Deeds of Trust

On Cx353

(FNMA/FHLMC),

Cx406 (FHA),

Cx511, &

Cx1398

Not specified

Both

Either: (1) a loan

subject to RESPA

(aka a federally-

related mortgage

loan); or (2) not

specified

Either: (1)

residential

property

constructed for 1-

to-4 families; or

(2) not specified

Not specified, but

practically at

closing

Utah Code Ann.

§§ 17-21-

18.5(4)(b) & 17-

21-25

Statutory

FNMA Form 3045 -

Utah

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


https://le.utah.gov/xcode/Title61/Chapter2C/61-2c-S301.html?v=C61-2c-S301_2017050920170509

https://www.ecfr.gov/cgi-bin/text-idx?SID=8e1bc7d4a89d66c04e064d91376a392f&mc=true&node=ap12.8.1002.0000_0nbspnbspnbsp.c&rgn=div9

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







Utah (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required

Closing UT Disclosure of

Servicer

Cx1001 A lender

Both

A mortgage loan

of more than two

years


closing

Utah Code Ann. §

70D-2-303(1)

Mortgage

Lending and

Servicing Act

No

Closing UT Re-Disclosure

Certification

Cx17008 (upon

request)

A lender 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, in

which points,

fees, or other

charges payable

to other parties in

an amount in

excess of 8% of

the total loan

amount are

financed into the

loan.

A borrower’s

principal dwelling

At consummation Utah Code Ann. §

61-2d-105(4)

Utah High Cost

Home Loan Act

No

Closing Notice of

Servicing Transfer

Cx17905 A lender

Both

A mortgage loan,

of more than two

years

Not specified At least 10 days

before the due

date of the first

mortgage

payment due

after the

assignment

Utah Code Ann. §

70D-2-303(2)

Mortgage

Lending and

Servicing Act

12 CFR Pt. 1024,

App. MS-2






Utah (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required

Closing UT Consumer

Credit Code

Subordination

Agreement

Cx18666 Parties to the

transaction (i.e. a

creditor)

Both

A credit

transaction that is

otherwise exempt

from the

provisions of the

Utah Consumer

Credit Code

(generally first

lien loans)

Not specified Not specified Utah Code Ann. §

70C-1-202(1)

No


http://le.utah.gov/code/TITLE70C/htm/70C01_020200.htm



Vermont (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required



Cx2778 A person

Both

A loan of money

or extension of

credit

Not specified Not specified Vt. Stat. Ann. tit.

8, § 4725

No

Initial Disclosure VT

Broker/Prospective

Borrower Agreement


Brokers

A mortgage loan Real property or

real estate

Before taking any

fee or at the time

a signed

application is

submitted

Vt. Stat. Ann. tit.

8, § 2219; Vt.

Admin Code 4-2-

3:4 & 4-2-

3:Appendix

Administrative

Initial Disclosure VT High Rate/High

Point Notices

Cx3708 A lender

Both

A high rate, high

point loan, which

is secured by a

first lien on

residential real

estate and

consists of fees

and points over a

certain threshold.

Residential real

estate

Given in

conjunction with

the GFE, or when

the borrower is

notified that the

lender will only

offer this type of

loan

Vt. Stat. Ann. tit.

9, § 104; Vt.

Admin. Code 4-

2-6

Partial

Administrative

Initial Disclosure VT Mortgage Loan

Commitment

Agreement

Cx4671 A lender

Lenders

Either: (1) a loan

secured by a lien

against real

estate; or (2) a

loan secured by a

first lien on

owner occupied

residential real

estate

Real estate used

as the borrower’s

residence and

owner occupied

residential real

estate

No less than 24

hours prior to

closing (some

exceptions apply)

Vt. Stat. Ann. tit.

9, § 103 Vt.

Admin. Code 4-

2-5:3 & 4-2-5:4

No

http://www.leg.state.vt.us/statutes/fullsection.cfm?Title=08&Chapter=129&Section=04725






Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required

Initial Disclosure VT Application

Capacity Notice

Cx4816 A lender

Lenders

A mortgage loan Real estate In advance of

taking any fee or

at the time an

application is

submitted

Vt. Stat. Ann. tit.

8, § 2220

No

Initial Disclosure VT Addendum to

Uniform Residential

Loan Application


Both


but practically at

application

Vt. Stat. Ann. tit.

15, § 1204; Dept.

of Banking,

Insurance,

Securities, and

Health Care

Administration

Bulletin No. 23

BUL-B-23


Closing

Certification and

Authorization

Cx13 (Federal) A person obtaining a

credit report

Both

Credit Not specified Before obtaining

a credit report

Vt. Stat. Ann. tit.

9, § 2480e; Vt.

Admin. Code 3-

2-110:CF 112.03

No

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

Statutes

Both

A loan Not specified In advance of any

loan closing

Vt. Stat. Ann. tit.

8, § 2232a(b)

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 lender

Both

An obligation Not specified With the

instrument

evidencing the

obligation

Vt. Stat. Ann. tit.

9, § 102

Statutory

FNMA Form 3200 –

Multistate Fixed-

Rate Note



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

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

http://www.leg.state.vt.us/statutes/fullsection.cfm?Title=09&Chapter=063&Section=02480e

http://www.leg.state.vt.us/statutes/fullsection.cfm?Title=08&Chapter=073&Section=02232a








Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required


(Federal)

A licensed lender

under Chapter 73, Part

2, Title 8 of Vermont’s

Statutes

Both

A loan Not specified At the time the

loan is made

Vt. Stat. Ann. tit.

8, § 2232a(a)

12 CFR Pt. 1024,

App. A


http://www.leg.state.vt.us/statutes/fullsection.cfm?Title=08&Chapter=073&Section=02232a




Virginia (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required

Initial Disclosure VA Insurance

Disclosure

Cx3577 Either a depository

institution or any

person who sells or

solicits any insurance

under Article 2,

Chapter 1, Title 38.2

(Va. Code Ann. §§ 38.2-

101 through 38.2-134)

Both

A loan or

extension of

credit

Not specified When an offer for

insurance is

made, when an

application for a

loan or extension

of credit is

pending

Va. Code Ann. §

38.2-513.1(A)(9)

& (D)

No

Initial Disclosure VA Notice Cx3592 A broker licensed

under Chapter 16,

Subtitle III, Title 6.2 of

Virginia’s Code (aka

the Mortgage Lender

and Broker Act) who

has also acted as a real

estate broker, agent, or

salesman in connection

with the transaction.

Includes state banks

under certain

circumstances.

Brokers


residential

property

At the time

broker services

are first offered

Va. Code Ann. §

6.2-1616(B)(5)

“Mortgage

Lender and

Broker Act”

Statutory

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


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



Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required


Agreement

Cx3841 A broker licensed

under Chapter 16,

Subtitle III, Title 6.2 of

Virginia’s Code (aka

the Mortgage Lender

and Broker Act)

Brokers


residential

property

Not specified Va. Code Ann. §

6.2-1616(B)(4); VA

Admin. Ruling

1607

No

Initial Disclosure VA Choice of

Settlement Agent

Notice


Both

Transactions

involving the

purchase of the

security of real

estate

Real estate

containing 1-to-4

residential

dwelling units

With the contract

for the purchase

of the real estate

Va. Code Ann. §

55-525.23

Statutory

Initial Disclosure VA Notification to

Mortgage Loan

Applicants

Cx5111 A lender or a broker

Both

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 for

such a loan is

submitted by a

loan applicant

Va. Code Ann. §

6.2-406

No

Initial Disclosure Affiliated Business

Disclosure

Cx11413

(Federal)

Either: (1) a person

selling real property, or

performing services as

a real estate agent,

attorney, lay

settlement agent, or

lender; or (2) any

person making a

referral to an affiliated

settlement service

provider

Both

A loan

transaction,

secured by a

primary deed of

trust or mortgage

Real estate

containing 1-to-4

residential

dwelling units

Various timing

requirements, but

generally no later

than the time of

the referral

Va. Code Ann. §§

55-525.13 & 55-

525.13

12 CFR Pt. 1024,

App. D


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








Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required


Benefit Worksheet

Cx12531 (upon

request)

A mortgage lender or

mortgage broker


16, Subtitle III, Title 6.2

of Virginia’s Code (aka

the Mortgage Lender

and Broker Act)

Both

A refinance of a

mortgage loan

within 12 months

of its origination

date

1-to-4 family

residential

property


6.2-1614(7)

“Mortgage

Lender and

Broker Act”

No

Initial Disclosure VA Lock-In

Agreement

Cx14674 A mortgage lender or

mortgage broker



(aka the Mortgage

Lender and Broker Act)

Both


residential

property

Not specified 10 Va. Admin.

Code §§ 5-160-10

& 5-160-30(B)

No

Initial Disclosure VA Mortgage

Loan

Commitment

Agreement


mortgage lender



(aka the Mortgage

Lender and Broker Act)

Both


residential

property

Before a broker

receives any

compensation

10 Va. Admin.

Code §§ 5-160-10

& 5-160-30(A)

No

Initial Disclosure VA Addendum to

Loan Application

Cx17208 A lender

Both

Not specified, but

practically a loan

for the purchase

of residential real

property

Residential real

property

consisting of 1-

to-4 dwelling

units

With the

application

Va. Code Ann. §

55-520(B)

Virginia

Residential

Property

Disclosure Act

No


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




http://leg1.state.va.us/cgi-bin/legp504.exe?000+cod+55-520



Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required

Initial Disclosure Notice of Right to

Receive Copy of

Appraisal Report

Cx17903 or

Cx17904 (both

Federal)

A lender

Both

A loan Residential real

estate


6.2-407

12 CFR Pt. 1002,

App. C

Form C-9

12 CFR §

1026.35(c)(5)(i)

Initial Disclosure VA Credit

Insurance

Disclosures

Cx18552 A creditor, including

one who offers a plan

of credit life insurance

Both

Either: (1) a

transaction

involving an offer

of either credit

property

insurance or

elective credit

involuntary

unemployment

insurance; or (2)

loans or other

credit

transactions.

Not specified When the

applicable

insurances are

offered

Va. Code Ann. §§

38.2-233(B) & (D)

and 38.2-3735(B)

& (D)

No

Initial Disclosure VA Depository

Institution

Insurance

Disclosure

Cx18553 (upon

request)

A depository

institution which

solicits the sale of

insurances

Both

Not specified Not specified Prior to the sale

of an insurance

policy

Va. Code Ann. §

38.2-513.1(a)(10)

No



http://www.gpo.gov/fdsys/browse/collectionCfr.action?collectionCode=CFR&searchPath=Title+12%2FChapter+X%2FPart+1026%2FSubpart+E&oldPath=Title+12%2FChapter+X%2FPart+1026&isCollapsed=true&selectedYearFrom=2013&ycord=1800







Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required


Statement


organization (CSO)

Brokers

An extension of

credit for

consumer

purposes


execution of a

contract or

agreement

between a

consumer and a

CSO or the CSO

receives

consideration,

whichever occurs

first

Va. Code Ann. §§

59.1-335.6 &

59.1-335.7

Virginia Credit

Services

Businesses Act

Statutory


organization (CSO)

Brokers

An extension of

credit for

consumer

purposes

Not specified Not specified Va. Code Ann. §

59.1-335.8

Virginia Credit

Services

Businesses Act

Statutory


Credit Denial,

Termination or

Change

Cx15858

(Federal)

A creditor

Both

Credit Not specified No later than 30

days after receipt

of a completed

application

Va. Code Ann. §§

6.2-502, 6.2-503,

& 6.2-508

12 CFR Pt. 202, App.

C

Form C-1







http://www.gpo.gov/fdsys/browse/collectionCfr.action?collectionCode=CFR&searchPath=Title+12%2FChapter+II%2FSubchapter+A%2FPart+202&oldPath=Title+12%2FChapter+II%2FSubchapter+A&isCollapsed=true&selectedYearFrom=2013&ycord=600



Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required

Initial Disclosure,

TILA Redisclosure,

and Closing

All TILA

Disclosures and

HUD-1 01-01-10

Cx18, Cx1591,

and all other

TILA Disclosures,

and Cx14222 (all

Federal)

Either: (1) every person

subject to the Federal

Truth-in-Lending Act;

or (2) a mortgage

lender licensed under

Chapter 16, Subtitle III,

Title 6.2 of Virginia’s

Code (aka the

Mortgage Lender and

Broker Act)

Both

Either: (1)

consumer credit;

or (2) a mortgage

loan

1-to-4 family

residential

property

Various times Va. Code Ann. §§

6.2-436 & 6.2-

1615

“Mortgage

Lender and

Broker Act”

12 CFR Pt. 1026,

App. G & H

12 CFR Pt. 1024,

App. A

Initial Disclosure,

Processing,

Underwriting, &

Closing

NMLS Unique

Identifier

Disclosed on 1003

Uniform

Residential Loan

Application

On Cx4193

(FNMA/FHLMC)

A licensee under

Chapter 16, Subtitle III,

Title 6.2 of Virginia’s

Code (aka the

Mortgage Lender and

Broker Act)

Both

A residential

mortgage loan

A 1-to-4 family

unit dwelling or

residential real

estate upon

which is (or is

intended to be)

constructed such

a dwelling,

including

individual condo

or coop units

On the

application

10 Va. Admin.

Code § 5-160-

20(8)

FNMA 1003 Form -

Uniform Residential

Loan Application

Quality Assurance

&

Closing

Closing

Instructions or

Closing

Worksheet

Cx14225 or

Cx14226

Either: (1) a provider,

which in most cases

would be a lender; or

(2) not specified

Either: (1) a loan

transaction; or (2)

transactions

involving the

purchase of the

security of real

estate

Real estate

containing 1-to-4

residential

dwelling units

Not specified, but

practically prior

to the recordation

of any instrument

Va. Code Ann. §§

55-525.11(iii) &

55-525.24(A)(2)

No
















Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required

Closing Virginia

Homestead

Exemption on All

Promissory Notes

and HELOC

Agreement – VA

Cx5

(FNMA/FHLMC),

Cx58, Cx1077,

Cx4031, and

others

A creditor

Both

Debt Property or an

estate which may

be exempt under

Chapter 2, Title

34 of Virginia’s

Code (Va. Code

Ann. §§ 34-4

through 34-25)

On the

promissory note

Va. Code Ann. §

34-22

Statutory

(optional)

Closing Conveyance

Notice and

Trustee Addresses

on Virginia

Security

Instruments

Cx354

(FNMA/FHLMC),

Cx407 (FHA),

Cx512, & Cx1335

Not specified

Both

A loan of money Either: (1) 1-to-4

family residential

dwelling units; or

(2) real property

On the security

instrument

Va. Code Ann. §§

6.2-417 & 55-

58.1(3)

Statutory

FNMA Form 3047 –

Virginia Deed of

Trust

Closing Recordation Tax

Notices on

Virginia Security

Instruments

Cx354

(FNMA/FHLMC),

Cx407 (FHA), &

Cx512

Not specified

Both

A refinance of an

existing, secured

debt

Property On the security

instrument

Va. Code Ann. §§

17.1-223(A)(iii) &

58.1-803(D)

Virginia

Recordation Tax

Act

No

Closing Auto-

subordination

Notice on Virginia

Security

Instruments

Cx354

(FNMA/FHLMC)

& Cx407 (FHA)

Not specified

Both

A refinance

mortgage, with a

principal amount

not exceeding by

more than $5,00

the amount of,

nor an interest

rate exceeding

that of, the loan

being refinanced

Real estate,

containing no

more than one

dwelling unit

On the security

instrument

Va. Code Ann. §

55-58.3

Statutory

FNMA Form 3047 –

Virginia Deed of

Trust
















Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required

Closing Credit Line

Caption on

HELOC Deed of

Trust – VA


Both

A credit line deed

of trust

Real property On the security

instrument

Va. Code Ann. §§

55-58.2(2) & (5)

and 55-60(11)

Partial statutory

Closing Disclosure of

Appraisal or AVM

Fee and Escrow

Instructions and

Identification of

Settlement Agent

on HUD-1 01-01-

10

Cx14222

(Federal)

Either: (1) a lender; or

(2) not specified

Both

Either: (1)

transactions

involving the

purchase of the

security of real

estate; or (2) a

loan transaction,

secured by a

primary deed of

trust or mortgage

Real estate

containing 1-to-4

residential

dwelling units

On the settlement

statement

Va. Code Ann. §§

55-525.14 and

55-525.24(B)(2) &

(E)

12 CFR Pt. 1024,

App. A

Closing Notice of

Servicing Transfer

Cx17905

(Federal)

A transferor (aka a

licensee under Chapter


of Virginia’s Code)

Both


residential

property

At least 10

calendar days

before the first

payment affected

by the notice

10 Va. Admin.

Code § 5-160-

20(3)

12 CFR Pt. 1024,

App. MS

Form MS-2














Washington (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Language

Required

Initial Disclosure WA Broker

Application

Disclosure, and

RESPA and TILA

Disclosures

Cx1591,

Cx2655, &

Cx14221


broker; or (2) an entity

subject to the

Washington Consumer

Loan Act

Brokers

A residential

mortgage loan

A dwelling

(including

condos, coops,

mobile or

manufactured

homes, or a

trailer) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

Within 3 business

days following

receipt of a loan

application or any

moneys from a

borrower

Wash. Rev. Code Ann.

§ 19.146.030(1), (2), &

(4); Wash. Admin. Code

§§ 208-620-510(4) &

208-660-430(3)

Mortgage Broker

Practices Act and

Washington Consumer

Loan Act

Model Disclosure

Form


Insurance

Disclosure

Cx2778 Every person who

lends money or

extends credit and who

solicits insurance

Lenders

A loan of money

or extension of

credit

Real property Not specified Wash. Rev. Code Ann.

§ 48.30.260(2)

The Insurance Code

No

Initial Disclosure Appraisal

Notification on

Purchase Money

Mortgages

Cx2791 A lender

Both

A residential

mortgage loan

Real property Prior to closing Wash. Rev. Code Ann.

§ 19.149.020

No

http://apps.leg.wa.gov/rcw/default.aspx?cite=19.146.030


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


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

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


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



Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Language

Required

Initial Disclosure WA Interest Rate

Lock Agreement

and Good Faith

Estimate 01-01-

10

Cx2792 &

Cx14221

(Federal)


broker, loan originator,

or lender; or (2)

someone subject to the

Washington Consumer

Loan Act

Both

A residential

mortgage loan

A dwelling

(including

condos, coops,

mobile or

manufactured

homes, or a

trailer) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

No less than 3

business days after

locking the fee


§ 19.146.030(2)(c) &

(3); Wash. Admin. Code

§§ 208-620-510(3) &

(4), 208-660-006, and

208-660-430(3)(c)

Mortgage Broker

Practices Act and

Washington Consumer

Loan Act

Model Rate Lock

Agreement

Initial Disclosure WA Conflict of

Interest

Disclosure

Cx3705 A loan originator who

is either subject to the

Mortgage Broker

Practices Act or the

Washington Consumer

Loan Act, who is also

acting as a real estate

broker or salesperson

Both

A residential

mortgage loan

A dwelling

(including

condos, coops,

mobile or

manufactured

homes, or a

trailer) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

When acting in a

dual capacity

Wash. Admin. Code §§

208-620-700(3) & 208-

660-300(7)

Mortgage Broker

Practices Act and

Washington Consumer

Loan Act

Statutory and

Administrative

Initial Disclosure WA Disclosure

Receipt


Washington Consumer

Loan Act

Both

A loan Real property Not specified Wash. Admin. Code §

208-620-510(2)

Washington Consumer

Loan Act

No







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

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







Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Language

Required


Agreement

Cx3841 A loan originator or

mortgage broker

subject to the

Mortgage Broker

Practices Act

Brokers

A residential

mortgage loan

A dwelling

(including

condos, coops,

mobile or

manufactured

homes, or a

trailer) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

Not specified Wash. Admin. Code §§

208-660-430(23) &

208-660-500(4)(c)

Mortgage Broker

Practices Act

No

Initial Disclosure Net Tangible

Benefit

Worksheet

Cx12531 (upon

request)

Not specified, but

contextually a licensee

under the Washington

Consumer Loan Act

Both

A new loan or an

increase in a

credit line within

120 days after

originating a

previous loan or

credit line

Not specified Not specified Wash. Admin. Code §

208-620-560(4)(d)

Washington Consumer

Loan Act

No


Loan Application


Both


practically with the

application


§§ 26.04.010 &

26.60.010 through

26.60.901

No





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

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



Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Language

Required

Initial Disclosure RESPA and TILA

Disclosures

Cx14221 and

other RESPA

and TILA

Disclosures

(Federal)

Either: (1) a financial

institution; (2) a

licensee under the

Washington Consumer

Loan Act; or (3) a

licensee under the

Mortgage Broker

Practices Act

Both

Either: (1) a

residential

mortgage loan;

or (2) a

consumer loan

Either: (1)

residential real

property upon

which is (or is

intended to be)

constructed a 1-

to-4 unit

dwelling, which

is either an

owner-occupied

primary

residence or a

second home; (2)

real property; or

(3) a dwelling

(including

condos, coops,

mobile or

manufactured

homes, or a

trailer) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

Within 3 business

days following

receipt of a loan

application.


§ 19.144.020; Wash.

Admin. Code §§ 208-

600-200, 208-620-511,

& 208-660-430(1) &

(4)

Washington Consumer

Loan Act and

Mortgage Broker

Practices Act

12 CFR Pt. 1024,

App.

12 CFR Pt. 1026,

App. G & H











Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Language

Required

Initial Disclosure WA Facts About

Construction Lien

Disclosure

Cx16579 A real property lender

Both

Loans in which

the proceeds are

used for

residential

construction,

residential repair,

or remodeling

Real property Not specified Wash. Rev. Code Ann.

§§ 60.04.250 &

60.04.255

Facts About

Construction Liens

Initial Disclosure WA Explanation

of Fee Increase

Cx18518 (upon

request)


loan originator on

behalf of a mortgage

broker

Brokers

A residential

mortgage loan

Residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

(including

condos, coops,

mobile or

manufactured

homes, or a

trailer)

No less than three

business days prior

to the signing of

the loan closing

documents


§ 19.146.030(4); Wash.


660-430(11) & (12),

208-660-450(1)(a)(xiii),

and 208-660-

500(11)(b)

Mortgage Broker

Practices Act

No

Initial Disclosure WA Loan

Commitment

Cx18562 A lender

Lenders

A loan of money

or extension of

credit, in

connection with

the solicitation of

property

insurance

Property Before a person

solicits property

insurance


§ 48.30.260(3)(a)

The Insurance Code

No



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

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










Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Language

Required

Initial Disclosure WA Optional

Insurance

Disclosure

Cx18563 (upon

request)

Not specified, but

contextually a licensee

under the Washington

Consumer Loan Act

Both

A loan Not specified Not specified Wash. Admin. Code §

208-620-560(3)

Washington Consumer

Loan Act

No

Initial Disclosure WA Alternative

Mortgage Loan

Product

Disclosure

Cx18634 (upon

request)


licensed or subject to

licensing under the

Mortgage Broker

Practices Act (Wash.

Rev. Code Ann. §§

19.146.005 through

19.146.905); or (2) a

consumer loan

company licensed or

subject to licensing

under the Consumer

Loan Act (Ibid. §§

31.04.005 through

31.04.297)

Both

A residential

mortgage loan

product with a

less favorable

risk grade,

excluding bridge

loans

Residential real

property upon

which is (or is

intended to be)

constructed a 1-

to-4-unit

dwelling

Not specified Wash. Rev. Code Ann.

§ 19.144.060

No

Initial Disclosure WA Loan

Brokerage

Agreement and

Loan Origination

Disclosure

Statement

Cx19136 Mortgage Broker or

Loan Originator

A residential

mortgage loan

Not specified Not specified Wash Rev. Code Ann.

§ 19.146.040

No



http://app.leg.wa.gov/rcw/default.aspx?cite=19.146.040



Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Language

Required

Initial Disclosure,

Processing,

Underwriting, &

Closing

Disclosures on

the 1003 Uniform

Residential Loan

Application

Cx4193

(FNMA/FHLMC)

A mortgage loan

originator

Both

A residential

mortgage loan

A dwelling

(including

condos, coops,

mobile or

manufactured

homes, or a

trailer) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

On the loan

application


§31.04.284; Wash.


620-710(24) & (25)(d)

and 208-660-350(24)

& (25)(d)

Mortgage Broker

Practices Act and

Washington Broker

Practices Act

FNMA Form 1003

Initial Disclosure,

TILA Redisclosure,

& Closing

First Lien

Appraisal

Waiver/Receipt

Form

Cx18183

(Federal)

A lender

Both

A purchase

money

residential

mortgage loan

A 1-to-4 unit

dwelling on

residential real

estate

Not specified Wash. Rev. Code Ann.

§ 19.149.020

No

Closing Federal and

Washington PMI

Disclosures

Cx29, Cx862,

Cx4668,

Cx14292,

Cx14293,

Cx14294 (all

Federal), 18541,

& 18542

A lender

Both

A residential

mortgage

transaction

An owner-

occupied, 1-to-4

unit residential

real property

At the time a

transaction is

entered into


§ 61.10.020(1)

None

Closing Disclosure on

HELOC

Agreement – WA

and HELOC Deed

of Trust – WA

Cx1366 &

Cx1367


Washington Consumer

Loan Act

Both

An open-end

loan

Real property On the credit

agreement

(closing)


§ 31.04.115(1) & (7)

Washington Consumer

Loan Act

None












Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Language

Required

Closing WA Oral

Agreement

Notice

Cx12751 A creditor

Both

A loan of money

or extension of

credit

Not specified In or with

documents

relating to the

credit agreement

(closing)


§ 19.36.140

Statutory

Closing Notice of

Servicing

Transfer

Cx17905

(Federal)

A lender

Both

A purchase loan A 1-to-4 family,

owner-occupied

residence

At the time of or

prior to loan

closing


§ 19.148.030(1)

12 CFR Pt. 1024,

App. MS-2







West


Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required


Insurance

Disclosure

Cx2778 A creditor

Both

A consumer loan Real property Not specified W. Va. Code Ann.

§ 46A-3-109(b)(4)

& (b)(5)

West Virginia

Consumer Credit

and Protection

Act

No

Initial Disclosure WV Tangible Net

Benefit Worksheet

Cx3849 A licensee under either

the West Virginia


Lender, Broker, and

Servicer Act or the

West Virginia SAFE

Mortgage Licensing

Act (W.Va. Code Ann.

§§ 31-17A-1 through

31-17A-20), or a

regulated consumer

lender

Both

A primary

mortgage loan or

a subordinate

mortgage loan, or

a consumer loan

A dwelling (as

defined in Section

103[w] of TILA) or

residential real

estate upon

which is

constructed a

dwelling, or land

Not specified W. Va. Code Ann.

§§ 31-17-8(d) &

46A-4-111(2)

West Virginia

Residential

Mortgage Lender,

Broker, and

Servicer Act

and

West Virginia

Consumer Credit

and Protection

Act

Tangible Net

Benefit Worksheet

Initial Disclosure West Virginia Fees

and Services

Disclosure

Cx4827 (upon

request)

A credit services

organization

Brokers

An extension of

credit

Not specified Before executing

a contract with a

buyer or receiving

any money

W. Va. Code Ann.

§ 46A-6C-6

West Virginia

Consumer Credit

and Protection

Act

CSO-3 & CSO-4

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


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


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=46a&art=6C&section=6#06C

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


West


Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required

Initial Disclosure Credit Services

Organization

Contract and

Notice of

Cancellation


organization

Brokers

An extension of

credit


practically before

engaging in credit

services

W.Va. Code Ann.

§ 46A-6C-7

West Virginia

Consumer Credit

and Protection

Act

Mostly Statutory

Initial Disclosure,

Processing,

Underwriting, &

Closing

NMLS Unique

Identifier

Disclosed on 1003

Uniform

Residential Loan

Application

On Cx4193

(FNMA/FHLMC)



loan

Both

A residential

mortgage loan

A dwelling (as

defined in Section

103[w] of TILA) or

residential real

estate upon

which is

constructed a

dwelling

With the

application

W. Va. Code Ann.

§ 31-17A-18

West Virginia

SAFE Mortgage

Licensing Act

FNMA 1003 Form -

Uniform Residential

Loan Application


Disclosure and

Truth-in-Lending

Total Payments

Itemization

Cx18 and other

closing TILs and

Cx15444 (all

Federal)

A licensee under either

the West Virginia


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 loan

Both

A primary

mortgage loan or

a subordinate

mortgage loan

A dwelling (as

defined in Section

103[w] of TILA) or

residential real

estate upon

which is

constructed a

dwelling

At the time of

closing

W. Va. Code Ann.

§ 31-17-9(a)

West Virginia

Residential

Mortgage Lender,

Broker, and

Servicer Act

12 CFR Pt. 1026,

App. H; Form H-2

http://www.legis.state.wv.us/WVCODe/ChapterEntire.cfm?chap=46a&art=6C&section=7#06C

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




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



West


Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required

Closing 3260 Note

Balloon, 3180

Rider Balloon, and

Fixed Rate Note

West Virginia

Second

Cx230

(FNMA/FHLMC),

Cx752

(FNMA/FHLMC),

and Cx1081

Not specified

Both

A consumer loan Land With any writing

purporting to

contain the

agreement of the

parties (closing)

W. Va. Code Ann.

§ 46A-2-105

West Virginia

Consumer Credit

and Protection

Act

No

Closing WV Collateral

Protection

Insurance

Disclosure

Cx1000 A creditor, who is an

institution insured by

either the FDIC or

NCUA

Both

A consumer credit

transaction

Collateral, which

includes real

property

With the credit

agreement

(closing)

W. Va. Code Ann.

§ 46A-3-

109a(b)(3)

West Virginia

Consumer Credit

and Protection

Act

Statutory

Closing WV Notice to

Cosigners


Both

A consumer loan Land Before a cosigner

signs any

instrument

evidencing the

transaction.

W. Va. Code Ann.

§ 46A-2-104

West Virginia

Consumer Credit

and Protection

Act

Statutory

Closing WV Assessment of

Borrower’s Ability

to Repay

Cx18963

(Upon Request)

Both Residential

mortgage loan

Not specified Not specified W. Va. Code St. R.

106-5-11

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)

Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required


Insurance

Disclosure

Cx2778 Either: (1) any person

engaged in the

business of loaning

money; or (2) any

person

Both

A financing of the

purchase of the

property or a

lending of money

secured by the

property

Real property Not specified Wis. Stat. Ann. §§

134.10 & 628.34(5)

No


Fee/Application

Disclosure

Cx2783 Either: (1) a bank, credit

union, savings bank,

savings and loan

association, mortgage

banker, or any other

lender; or (2) a

mortgage banker,

mortgage loan

originator, or mortgage

broker

Both

Either: (1) a loan,

which is a primary

lien; or (2) a

residential

mortgage loan

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) ;

Wis. Admin. Code,

DFI-BKG §

43.02(11) & (14)

No

https://docs.legis.wisconsin.gov/statutes/statutes/134/10

https://docs.legis.wisconsin.gov/statutes/statutes/628/III/34


https://docs.legis.wisconsin.gov/code/admin_code/dfi/dfi_bkg/43#/code/admin_code/dfi/dfi_bkg/43/_6



Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required

Initial Disclosure WI Adjustable

Rate Mortgage

Information

Statement

Cx3951 A lender

Both

A variable rate

loan, which is a

primary lien

Either: (1) a

mobile or

manufactured

home; or (2) a 1-

to-4 family

dwelling used as

the borrower’s

principal

residence

Before making a

variable rate loan.

Wis. Stat. Ann. §

138.056(3m) & (6)

No


Loan Application


Both


practically with

the application

Wis. Stat. Ann. §§

770.001 through

770.18

No


Estimate 01-01-10

& WI Loan

Commitment

Cx14221

(Federal) and

Cx15918

Either: (1) a lender; or

(2) a licensed mortgage

banker, mortgage loan


broker under

Subchapter III, Chapter

224

Both

A residential

mortgage loan

A dwelling (as

defined in 15

USCA § 1602[v])

or residential real

property (upon

which a dwelling

is or is intended

to be

constructed)

Before accepting

a loan

commitment fee

Wis. Admin. Code,

DFI-BKG §§

40.01(5) & (6) and

43.02(12) & (13)

12 CFR Pt. 1024,

App. C

Initial Disclosure WI Consumer

Disclosure

Statement


licensed under


224

Brokers

A residential

mortgage loan

A dwelling (as

defined in 15

USCA § 1602[v])

or residential real

property (upon

which a dwelling

is or is intended

to be

constructed)

Before entering

into a contract

with an individual

to provide

brokerage

services

Wis. Stat. Ann. §

224.79(2); Wis.

Admin. Code, DFI-

BKG § 44.02

Consumer

Disclosure

Statement


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

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






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





Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required

Initial Disclosure WI Mortgage

Broker Agreement




224; or (2) a mortgage

banker, mortgage loan


broker

Brokers

A residential

mortgage loan

A dwelling (as

defined in 15

USCA § 1602[v])

or residential real

property (upon

which a dwelling

is or is intended

to be

constructed)

Not specified, but

practically before

engaging in

broker services

Wis. Stat. Ann. §

224.79(1); Wis.

Admin. Code, DFI-

BKG §§ 43.02(14) &

44.01

Mortgage Broker

Agreement - Both

Versions


Tangible Net

Benefit Worksheet

Cx15773 (upon

request)

A lender

Both

A covered loan

that refinances

another covered

loan, but

excluding bridge

loans

Residential real

property that is or

will be occupied

by the customer

as a principal

dwelling

Not specified Wis. Stat. Ann. §

428.203(7)

No


Disclosure

Cx16488 A merchant

Both

A consumer

credit transaction,

which is a junior

lien and the

amount financed

is $25,000 or less

Real property Not specified Wis. Stat. Ann. §

422.202(1)(b) &

(2s)(a)

Wisconsin

Consumer Act –

Consumer Credit

Transactions

No


Credit Denial,

Termination, or

Change

Cx15858

(Federal)

A bank, credit union,


and loan association, or

mortgage banker

Both

A loan, which is a

primary lien

A 1-to-4 family

dwelling used as

the borrower’s

principal

residence

When adverse

action is

communicated to

the applicant

Wis. Stat. Ann. §

138.052(7e)(a)

12 CFR Pt. 1002,

App. C

Form C-1







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







Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required


Closing

WI Property Tax

Escrow Option

Cx1023 A bank, credit union,


and loan association, or

mortgage banker

Both

A loan, which is a

primary lien

A 1-to-4 family

dwelling used as

the borrower’s

principal

residence

Before closing Wis. Stat. Ann. §

138.052(5)(am),

(5)(b), & (5m)(b)

No

Initial Disclosure,

Processing,

Underwriting, &

Closing

NMLS Unique

Identifier

Disclosed on 1003

Uniform

Residential Loan

Application

On Cx4193

(FNMA/FHLMC)



loan

Both

A residential

mortgage loan

A dwelling (as

defined in 15

USCA § 1602[v])

or residential real

property (upon

which a dwelling

is or is intended

to be

constructed)

On the

application

Wis. Stat. Ann. §

224.73(4)(a) & (b)

FNMA 1003 Form -

Uniform Residential

Loan Application


Closing

WI ARM

Prepayment

Penalty Notice

Cx9109 A lender

Both

A variable rate

loan, which is a

primary lien

Either: (1) a

mobile or

manufactured

home; or (2) a 1-

to-4 family

dwelling used as

the borrower’s

principal

residence

At the time of

offering a variable

rate loan

Wis. Stat. Ann. §

138.056(3m)(a)

No










Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required


Closing

WI Addendum to

Loan Application

Cx18412 A creditor

Both

Either: (1) an

open-end credit

plan; or (2) a

consumer credit

transaction, both

of which are

junior liens and

the amount

financed is

$25,000 or less

Real property With the

application


422.308(1) &

766.56(2)(b); Wis.

Admin. Code DFI-

WCA § 1.351(2)

Wisconsin

Consumer Act –

Consumer Credit

Transactions &

The Family Code

Open-End Credit

Application Sample

Marital Property

Agreement Notice


Closing

WI Covered Loan

Disclosure to

Borrower

Cx18444 A lender

Both


property that is or

will be occupied

by the customer

as a principal

dwelling

At least 3

business days

before closing

Wis. Stat. Ann. §

428.208 ; Wis.

Admin. Code, DFI-

BKG § 46.03

Statutory &

Administrative

Closing Construction

Notice on Security

Instruments

Cx358

(FNMA/FHLMC),

Cx411 (FHA),

Cx515, and

Cx1353

Not specified

Both

A construction

mortgage


practically at

closing.

Wis. Stat. Ann. §

706.11(1m)(b)(3)

Instructions to

FNMA Form 3050

Closing WI Mortgage

Second & Fixed

Rate Note

Wisconsin Second

Cx515 &

Cx1080

Not specified

Both

A consumer

credit transaction,

which is a junior

lien and the

amount financed

is $25,000 or less

Real property With the writing

evidencing the

customer’s

obligation to pay

(closing)

Wis. Stat. Ann. §

422.303(3)

Wisconsin

Consumer Act

Statutory



https://docs.legis.wisconsin.gov/code/admin_code/dfi/dfi_wca/1/351

https://www.wdfi.org/wca/business_guidance/creditors/open_end_credit_plans/sample_open-end_credit_applications.htm





https://docs.legis.wisconsin.gov/code/admin_code/dfi/dfi_bkg/46/_7#/code/admin_code/dfi/dfi_bkg/46/_7







Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required

Closing Notice to Spouse

of Extension of

Credit by Copy of

WI Mortgage

Second & HELOC

Mortgage - WI

Cx515 &

Cx1353

A creditor

Both

A credit

transaction

governed by the

Wisconsin

Consumer Act

(Wis. Stat. Ann.

ch. 421 through

427), which is a

junior lien and

the amount

financed is

$25,000 or less

Real property Before any

payment is due

under the

transaction

Wis. Stat. Ann. §

766.56(3)(b) & (c)

The Family Code

No

Closing WI Explanation of

Personal

Obligation

Cx16043 A creditor

Both

Either: (1) a

consumer credit

transaction, which

is a junior lien

and the amount

financed is

$25,000 or less; or

(2) a loan subject

to Subchapter I,

Chapter 428,

which is a first

lien loan of

$25,000 or less

Either: (1) real

property; or (2)

real estate

At the same time

of signing a

separate

instrument


422.305(1) &

428.103(1)(b) ; Wis

Admin. Code DFI-

WCA §§ 1.341 &

1.35 (2014)

Wisconsin

Consumer Act –

Consumer Credit

Transactions

No




https://docs.legis.wisconsin.gov/statutes/statutes/428/_8#/statutes/statutes/428/_8





Wyoming (Package Type)

Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required



Cx2778 Either: (1) any person;

(2) a producer or other

person; or (3) a creditor

Both

Either: (1) a loan

of money or

extension

thereof; 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,

including condos,

coops, mobile

homes, and

trailers)

To be given

promptly

Wyo. Stat. Ann.

§§ 26-13-118, 26-

23-324, & 40-14-

409

Unfair Trade

Practices Act,

Wyoming Title

Insurance Act,

and Uniform

Consumer Credit

Code - Insurance

No

http://legisweb.state.wy.us/statutes/statutes.aspx?file=titles/Title26/T26CH13AR1.htm

http://legisweb.state.wy.us/statutes/statutes.aspx?file=titles/Title26/T26CH23.htm






Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required

Initial Disclosure Enhanced

Prepayment Penalty

Disclosure


Wyoming Residential


Both

A residential

mortgage loan,

which is a

primary lien

A dwelling (a

residential

structure

containing 1-to-4

family units,

including condos,

coops, mobile

homes, and

trailers) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

Initially within 3

business day

after accepting

an application,

then

subsequently

with the final

Truth-in-Lending

Disclosure

Wyo. Stat. Ann.

§§ 40-23-

113(a)(ii) & 40-

23-115(b); Wyo.

R. & Regs. AUD

RMP ch. 2, § 6

Wyoming

Residential

Mortgage

Practices Act

Administrative

Initial Disclosure WY Mortgage Broker

Agreement


Wyoming Residential


(document must be

signed by a licensed

mortgage broker under

this Act)

Brokers

A residential

mortgage loan,

which is a

primary lien

A dwelling (a

residential

structure

containing 1-to-4

family units,

including condos,

coops, mobile

homes, and

trailers) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

Within 3 business

days of a

borrower signing

an application,

but before any

consideration is

paid

Wyo. Stat. Ann. §

40-23-114

Wyoming

Residential

Mortgage

Practices Act

No





http://soswy.state.wy.us/Rules/




Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required

Initial Disclosure Good Faith Estimate

01-01-10 and WY

Notice and

Explanation of Fee

Increase

Cx14221

(Federal) &

Cx16634


Wyoming Residential


Both

A residential

mortgage loan,

which is a

primary lien

A dwelling (a

residential

structure

containing 1-to-4

family units,

including condos,

coops, mobile

homes, and

trailers) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

Not less than 3

business days

prior to closing

Wyo. Stat. Ann.

§§ 40-23-

113(e)(ii)& 40-

23-114(d)(ii)

Wyoming

Residential

Mortgage

Practices Act

12 CFR Pt. 1024,

App. C

Initial Disclosure WY

Commitment/Lock-in

Agreement


Wyoming Residential

Mortgage Practices

Act, but only a

mortgage lender can

execute it

Both

A residential

mortgage loan,

which is a

primary lien

A dwelling (a

residential

structure

containing 1-to-4

family units,

including condos,

coops, mobile

homes, and

trailers) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

Not specified Wyo. Stat. Ann.

§§ 40-23-115(a)

& 40-23-117(x)

Wyoming

Residential

Mortgage

Practices Act

No










Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required


Disclosure

Cx16488 A lender

Lenders

A consumer loan,

which is

generally a junior

lien with a

finance charge

exceeding 18%

Land or a

dwelling

(consisting of 1-

to-4 units,

including condos,

coops, mobile

homes, and

trailers)

Not specified,

but practically

before charges

for additional

insurances are

made

Wyo. Stat. Ann. §

40-14-311(b)(i) &

(ii)

Uniform

Consumer Credit

Code - Loans

No

TILA Redisclosure,

Redisclosure, Pre-

Closing

WY Notice and

Explanation of Fee

Increase

Cx16634 (Non-

TRiD Loans) &

Cx19752 (TRiD

Loans)


Wyoming Residential


Both

A residential

mortgage loan,

which is a

primary lien

A dwelling (a

residential

structure

containing 1-to-4

family units,

including condos,

coops, mobile

homes, and

trailers) or

residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling

Not less than 3

business days

prior to closing

Wyo. Stat. Ann.

§§ 40-23-

113(e)(ii)& 40-

23-114(d)(ii)

Wyoming

Residential

Mortgage

Practices Act

No









Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required

Initial Disclosure,

TILA Redisclosure,

& Closing

All RESPA and TILA

Disclosures

Cx18, Cx1591,

and all other

RESPA and TILA

Disclosures (all

Federal)


regularly engaged in

the business of making

loans; or (2) a licensee

under the Wyoming


Practices Act

Both

Either: (1) a

consumer loan;

or (2) a

residential

mortgage loan,

which is a

primary lien

Either: (1) Land or

a dwelling

(consisting of 1-

to-4 units,

including condos,

coops, mobile

homes, and

trailers); or (2)

such a dwelling

or residential real

estate upon

which is (or is

intended to be)

constructed a

dwelling.

Various times Wyo. Stat. Ann.

§§ 40-14-320, 40-

23-113(a)(i), &

40-23-114(b)

Uniform

Consumer Credit

Code – Loans

and Wyoming

Residential

Mortgage

Practices Act

12 CFR Pt. 1024,

App.

12 CFR Pt. 1026,

App. G & H

Initial Disclosure,

Processing,

Underwriting, &

Closing

NMLS Unique


on 1003 Uniform

Residential Loan

Application

On Cx4193

(FNMA/FHLMC)



loan

Both

Either: (1) a

residential

mortgage loan,

which is a

consumer loan

that generally is a

junior lien with a

finance charge

exceeding 18%;

or (2) a

residential

mortgage loan,

which is a

primary lien

Either: (1) Land or

a dwelling

(consisting of 1-

to-4 units,

including condos,

coops, mobile

homes, and

trailers); or (2)

residential real

estate upon

which is (or is

intended to be)

constructed such

a dwelling

With the loan

application

Wyo. Stat. Ann.

§§ 40-14-649 &

40-23-133

Wyoming

Uniform

Consumer Credit

Code and

Wyoming

Residential

Mortgage

Practices Act

FNMA 1003 Form -

Uniform Residential

Loan Application








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







Proper Name of

Disclosure

Generic Cx

Number

License Type

Lender/Broker/Both


Requirement


Required

Closing Homestead Waiver

on all Security

Instruments

Cx360

(FNMA/FHLMC),

Cx413 (FHA),

Cx517, &

Cx1403

Not specified

Both

A conveyance or

a mortgage

A homestead At closing Wyo. Stat. Ann. §

34-2-121

Statutory



STATE DISCLOSURES - Compliance...NMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan...

Documents

Transcript of STATE DISCLOSURES - Compliance...NMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan...