STATE DISCLOSURES - Compliance€¦ · STATE DISCLOSURES . Legal Disclaimer: This table was...

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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: January, 2019


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)


Generic Cx Number



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)


Generic Cx Number




Closing Caution Notice in 3200, FHA, and VA 3200 Note Fixed, Fixed Rate Note

Alabama Second, and other Notes

On Cx5 (FNMA/FHLMC),

Cx36 (FHA), Cx58, Cx1033

and other Notes

A creditor licensed under the Alabama

“Mini-Code” Both

A consumer credit transaction (aka a consumer

loan)

Property in which the creditor is

given a security interest

At closing Ala. Code § 5-19-6(a)

Alabama “Mini-Code”

Statutory

FNMA Form 3200 – Multistate Fixed-

Rate Note

Closing AL FHA Addendum to Wood

Infestation Inspection Report


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)


Generic Cx Number




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


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








Generic Cx Number




Initial Disclosure AK Consumer Credit Insurance

Disclosure


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





Generic Cx Number




Initial Disclosure AK Commitment Agreement


Either: (1) a licensee under the Alaska Secure and Fair Enforcement for

Mortgage Licensing Act of 2010; or (2) a licensee under the


06.20.010 through 06.20.920)

Both

A mortgage loan transaction (aka a

residential mortgage loan)






to be) constructed,


homes

Not specified Alaska Stat. § 06.60.340(19) &

(22) Alaska Secure and Fair Enforcement


2010

No

Initial Disclosure AK Depository Institution Insurance Disclosure


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









Generic Cx Number




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)






to be) constructed,


homes

Various Alaska Stat. § 06.60.330



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




Generic Cx Number





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







to be) constructed,


homes

On the application




2010


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


Statutory


Rate Note

Closing TILA HELOC Disclosures in AK Open-End Loan

Agreement

Cx1338 A licensee under the Alaska Small Loans Act

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













Generic Cx Number




Closing AK Loan Statement

Cx14786 A licensee under the Alaska Small Loans Act

Both

A small loan which has a

principal amount of $25,000 or less and which has a greater rate of interest than

otherwise permitted under the Small Loans

Act

Not specified At the time the loan is made


Alaska Small Loans Act

No

Closing Alaska Escrow Account

Agreement


A “covered person,” who is either licensed

under the Alaska Secure and Fair Enforcement for

Mortgage Licensing Act of 2010 or the


06.20.010 through 06.20.920)

Both


(aka a residential mortgage loan)






to be) constructed,


homes

Not specified Alaska Stat. § 06.60.360



2010

No








Arizona (Package Type)


Generic Cx Number




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 broker licensed under Article 1, Chapter 9, Title 6 of Arizona’s



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












Generic Cx Number






Revised Statutes; (2) a mortgage banker

licensed under Article 2 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











Generic Cx Number




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

licensed under Article 2 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








Generic Cx Number




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


Not specified Not specified Ariz. Rev. Stat. Ann. § 44-1706

Partial Statutory










Generic Cx Number




Initial Disclosure and TILA

Redisclosure

RESPA and TILA Disclosures

Cx1591, Cx14221,

Cx14222, and Others (All

Federal)

Either: (1) a mortgage broker licensed under Article 1, Chapter 9, Title 6 of Arizona’s



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




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 broker licensed under Article 1, Chapter 9, Title 6 of Arizona’s



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)


Generic Cx Number




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



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







Generic Cx Number




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) depository institutions and unaffiliated third

parties conducting the insurance sales

activities on behalf of a depository institution

Both

Either: (1) a mortgage loan;

(2) credit; or (3) a loan or extension

of credit

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










Generic Cx Number






Brokers



between the CSO and the buyer or before receipt by the CSO of any consideration,


Ark. Code Ann. §§ 4-91-107 & 4-91-

108 Credit Services

Organizations Act of 1987

No


Brokers


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







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)



dwelling

On the application

Ark. Code Ann. § 23-39-510(b) Fair Mortgage Lending Act


Loan Application















Generic Cx Number




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

A mortgage loan A dwelling (as defined in 15

USCA § 1602[w], as it existed on January 1, 2011)



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)


Generic Cx Number



Legal Reference


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

Cx2784 A licensee under the California Residential

Mortgage Lending Act, specifically a residential mortgage lender, or a

mortgage loan originator employed by

the residential mortgage 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


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=






Generic Cx Number



Legal Reference


Initial Disclosure

CA Balloon Disclosure Regarding

Extension of Credit


A real estate broker (aka a licensee under Chapter 3 of the Real

Estate Law) Brokers

Any loan secured by a dwelling, which is subject to Cal. Bus. & Prof. Code §

10240, which also provides for a balloon

payment, but not a bona fide loan that is either: (1)

secured by a first trust deed with a principal amount of $30,000 or

more; or (2) secured by a junior lien with a principal

amount of $20,000 or more

A dwelling, including a single dwelling unit in a condo or co-op or any parcel containing only

residential buildings if the total number of units on

the parcel is 4 or less

Prior to a borrower becoming

obligated on the loan

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=




Generic Cx Number



Legal Reference


Initial Disclosure

CA Addendum to Uniform


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 (aka a licensee under Chapter 3 of the Real

Estate Law) Brokers

A loan secured by a lien Real property Within 3 business days after receipt of a written loan

application

Cal. Bus. & Prof. Code §§ 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.




Generic Cx Number



Legal Reference


Initial Disclosure

CA Balloon Disclosure

Cx2800 A real estate broker (aka a licensee under Chapter 3 of the Real

Estate Law) Both

A loan secured by a lien Real property Within 3 business days after receipt of a written loan

application


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



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


Mortgage Lending Act Both

A residential mortgage loan which is either a

federally related mortgage loan (as defined in 24 CFR § 3500.2) or a loan made

to finance the construction of a 1-to-4

family dwelling

Residential real property, which has a 1-to-4 family

structure

Not specified, but practically

before requiring a lock-in fee

prior to closing

Cal. Fin. Code §

50203(a)(3)(A) & (B)

California Residential Mortgage

Lending Act

No





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






Generic Cx Number



Legal Reference


Initial Disclosure

CA Mortgage Loan Disclosure Statement/Good

Faith Estimate

Cx12922 Either: (1) a real estate broker (aka a licensee under Chapter 3 of the Real Estate Law); (2) a

real estate broker, when acting on behalf of a mortgage lender, mortgage broker, or mortgage lender and

broker under the California Financing

Law; or (3) a real estate broker, when acting on

behalf of a licensee under the California

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


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



Not specified Cal. Fin. Code § 4973(c)

No

Initial Disclosure

Addendum to Loan

Application


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=




Generic Cx Number



Legal Reference


Initial Disclosure

CA Comparison of Sample Mortgage Features

Cx13522 Either: (1) a mortgage lender, mortgage

broker, and mortgage lender and broker licensed under the California Financing Law; or (2) a licensee under the California

Residential Mortgage Lending Act

Both

A nontraditional loan or an adjustable rate loan that is subject to the

Guidance

Residential real property improved by a 1-to-4

family dwelling

Within 3 business days after receipt of a written loan

application

Cal. Code Regs. tit. 10, §§ 1436(d) & 1950.314.8(d)

California Financing Law and California


Lending Act

Comparison Chart

Initial Disclosure

CA Broker HPML Disclosure


A mortgage broker who arranges only

higher-priced mortgage loans,

including the major licensed types (see Cal. Fin. Code § 4995[b] for

details) Both

A higher-priced mortgage loan

A consumer’s principal dwelling

At the time of initially

engaging in mortgage brokerage services

Cal. Fin. Code § 4995.2(c)

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

Residential real property No later than 3 business days after

receipt of a written

application


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/









Generic Cx Number



Legal Reference


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



Not specified Cal. Fin. Code § 4973(j)

No

Initial Disclosure

CA Loan Commitment






family dwelling


structure

Upon approval of the

application

Cal. Fin. Code § 50203(a)(4)


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)




Generic Cx Number



Legal Reference


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, including combination mobile home and land




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


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


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)




Generic Cx Number



Legal Reference


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


Brokers


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


Not specified Not specified, but practically

before any services are performed


Credit Services Act

of 1984

Partial Statutory

Initial Disclosure

CA Processing-Underwriting

Disclosure

UR A licensee under the California Residential





family dwelling


structure

As soon as practical, but prior to loan

closing

Cal. Fin. Code § 50129(a)(2)


Lending Act

No

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







Generic Cx Number



Legal Reference


Adverse Action Statement of Credit Denial,

Termination or Charge

Cx15858 (Federal)

Either: (1) a user of a consumer credit report (i.e. a credit grantor); (2) a creditor; or (3) a financial institution,

including a bank, savings and loan

association, or public agency Both

Either: (1) a credit for personal, family, or

household purposes; or (2) financial assistance,

including combination mobile home and land




Either: (1) not specified; (2) property; or (2) a housing

accommodation, including: (a) any

improved or unimproved real property that is used as a residence, is (or will

be) occupied by the owner, and is 1-to-4

dwelling units; (b) any 1-to-4-unit residential

dwelling, regardless of occupancy, where the


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


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)






Generic Cx Number



Legal Reference



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


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


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)




Generic Cx Number



Legal Reference








Either: (1) a licensed mortgage loan

originator under the California Financing Law; or (2) a licensed

mortgage loan originator under the California Residential Mortgage Loan Act (Cal. Fin. Code §§

50000 through 50707) Both

Either: (1) a residential mortgage loan, but

excluding a commercial bridge loan made by a

venture capital company to an operating company;

or (2) a residential mortgage loan which is either a federally related

mortgage loan (as defined in 24 CFR § 3500.2) or a loan made to finance

construction of a 1-to-4 family dwelling

Either: (1) a 1-to-4-unit dwelling (as defined in

Section 103[w] of TILA) or residential real estate upon which is (or is

intended to be) constructed a dwelling; or

(2) residential real property or a 1-to-4 family

dwelling

On the application

Cal. Fin. Code §§ 22347 & 50209; Cal. Code Regs. tit. 10, §§ 1433(d) &

1950.209(a) California Financing Law and California


FNMA 1003 Form - Uniform



Closing

Automated Valuation Model

Notice

Cx11978

A licensee under the California Financing

Law Both

A consumer loan secured by real property (of $5,000 or more), but excluding a commercial bridge loan

made by a venture capital company to an operating

company

Real property, but excluding property owned

by the licensee

No later than 15 days after receipt of the written loan application

Cal. Fin. Code § 22317.2 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)









Generic Cx Number



Legal Reference



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 residential real property

consisting of 1-to-4 family residences

Either no later than 15 days

after receiving a written

application, in the case of

residential real property, or

within 15 days of receiving the appraisal

for nonresidential real property


11423 Real Estate Appraisers’

Licensing and Certification

Law


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 under the California 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


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=




Generic Cx Number



Legal Reference


Closing CA Per Diem Interest

Disclosure

Cx878 Either: (1) a lender; or (2) a licensee under the California Residential


Either: (1) a promissory note secured by a

mortgage or deed of trust; or (2) a residential

mortgage loan, which is either a federally related

mortgage loan (as defined in 24 CFR § 3500.2) or a

loan made to finance the construction of a 1-to-4

family dwelling.

Excluded are loans subject to Cal. Bus. & Prof. Code § 10242(c), which is one in

which interest is not charged prior to the date

the loan proceeds are made available to the

borrower, or are deposited in escrow

Either: (1) real property improved with between 1-to-4 residential dwelling

units; or (2) residential real property or a 1-to-4 family

dwelling

Prior to placing funds

in escrow

Cal. Civ. Code § 2948.5(b);

Cal. Fin. Code § 50204(o) California


Lending Act

No






Generic Cx Number



Legal Reference


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 amount of $10,000 or

more; (2) an amount due from a contingent

guarantor on obligations purchased under Division

7; or (3) a loan to a primary borrower who has

pledged accounts receivable or installment accounts to secure loans which, in the aggregate,

are $10,000 or more

Not 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


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=






Generic Cx Number



Legal Reference


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


No

Closing CA Impound Account

Statement


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







Generic Cx Number



Legal Reference


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

California Financing Law Both

Either: (1) consumer loans (of $5,000 or more); or (2)

amortizing consumer loans (of less than $5,000)

Not including a

commercial bridge loan made by a venture capital company to an operating

company

Real property At the time the loan is

made

Cal. Fin. Code §§ 22337 &

22400(b); Cal. Code Regs.

tit. 10, § 1454 California Financing

Law


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)




Generic Cx Number



Legal Reference


Closing CA Credit Disability Claim

Procedure


A creditor who directly arranges or

participates in the sale or receives

compensation for the sale of credit disability

insurance Both

A credit transaction (including an open line of credit) which is either (1)

of less than 10 years’ duration; or (2) of more than 10 years’ duration, the principal purpose of

which is for the construction,

rehabilitation, or improvement of real

property consisting of 1-to-4 residential units

Not specified At the time the creditor sells credit disability insurance coverage

Cal. Civ. Code §

1812.402(f)(1)

Statutory

Closing CA Important Privacy Choices for Consumers


A financial institution Both

A financial product or service

Not specified Not specified, 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


Not specified, but practically any loan that involves real property

Real property At the time of 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)


Generic Cx Number


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)


Code

Statutory


Cx2778 Either: (1) a financial institution licensed under the Colorado Producer Licensing

Model Act; (2) a person who lends money or extends credit, enters

into a lease transaction, or a renewal of any of these; (3) a lender

Both

Either: (1) a loan of money or an

extension of credit; (2) a loan secured by real

property

Property, particularly real

property

Not specified Colo. Rev. Stat. Ann. §§ 10-2-602, 10-3-1105 & 10-

4-114 Colorado Producer

Licensing Model Act

No

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











Generic Cx Number



Initial Disclosure CO Consumer Credit

Transaction Disclosure


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

Initial Disclosure CO Reasons for Loan

Cx12874 A licensee under the Mortgage Loan

Originator Licensing and Mortgage

Company Registration Act

Both

A transaction, presumably a

residential mortgage loan

A dwelling or residential real

estate upon which is (or is

intended to be) constructed a 1-to-4 family unit

dwelling (as defined in 15

USCA § 1602[v])

Before recommending an appropriate

mortgage product

4 Colo. Code Regs. § 725-

3:5.7(B) Mortgage Loan

Originator Licensing and

Mortgage Company

Registration Act

No

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

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

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





Generic Cx Number



Initial Disclosure CO Lock-In Disclosure

Cx13134 Mortgage Loan Originator

Both

A transaction, presumably a






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


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

Initial Disclosure CO Dual Status Disclosure

Cx14095 A licensee under the Colorado Mortgage

Loan Originator Licensing and

Mortgage Company Registration Act who

also acts as a real estate broker or

salesperson. Both

Residential mortgage loans



intended to be) constructed 1-

to-4 family dwelling units

Within 3 business days after receipt of a loan

application or any moneys from a

borrower

Colo. Rev. Stat. Ann. § 12-61-912; 4 Colo. Code Regs. § 725-3:5.22 Colorado

Mortgage Loan Originator

Licensing and Mortgage Company

Registration Act

Dual Status Disclosure

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

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






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

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




Generic Cx Number



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

Initial Disclosure CO Commitment Agreement

Cx17939 Either: (1) a mortgage loan originator,

licensed under the Colorado Mortgage


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.


defined in TILA) or residential real


intended to be) constructed a 1-to-4 family unit dwelling; (2) not specified; or (3) a

1-to-4 family dwelling

Not specified Colo. Rev. Stat. Ann. §§ 12-61-915, 38-10-124, & 38-40-102(1)

Colorado Mortgage Loan


Mortgage Company

Registration Act and Statute of

Frauds

No











Generic Cx Number



Initial Disclosure CO Consumer Credit Insurance

Disclosure


A creditor who requires consumer credit

insurance Lenders


Land Not specified Colo. Rev. Stat. Ann. §§ 5-4-109

& 10-10-113 Uniform

Consumer Credit Code – Insurance

and Credit Insurance Act

No

Initial Disclosure CO Financial Institutions Insurance Disclosure


A financial institution, which offers, recommends,

sponsors, or sells insurance (or on whose premises such actions

occur) Both

Not specified Not specified Not specified, but practically before the

insurance is purchased


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


119(1) Credit Insurance

Act

No



Brokers


Not specified Before execution of a contract between the CSO and the buyer or before receipt by the

CSO of any consideration,


Colo. Rev. Stat. Ann. §§ 5-19-105

& 5-19-106 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/





Generic Cx Number




Brokers


Not specified Not specified Colo. Rev. Stat. Ann. § 15-19-107 Colorado Credit

Services Organization Act

Partial Statutory


& Closing

Federal Truth-in-Lending

Disclosure

Cx18 (Federal), Cx1591

(Federal), and others

A mortgage loan originator

Both






USCA 1602[v] of TILA]



borrower

4 Colo. Code Regs. §§ 725-3:5.13 & 725-

3:5.14 Mortgage Loan


Mortgage Company

Registration Act

12 CFR Pt. 1026, App. H


& 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














Generic Cx Number



Initial Disclosure & Closing

CO Refinance Disclosure


Loans secured by a first lien that refinances a purchase or

initial construction loan

A dwelling, which is improved real property that is

(or is intended to be) used as a residence and contains not more than 4

dwelling units

Not specified Colo. Rev. Stat. Ann. §§ 5-1-

301(26)(c) & 5-5-112


Code and Uniform

Consumer Credit Code – Remedies

and Penalties

No


CO Disburser’s Notice

Cx3760 The disburser (any lender who has agreed

to make any loan to the owner or contractor)

A loan, presumably

consisting of a mechanic’s lien

A structure Prior to the first disbursement


126(2)

No







A licensee or registrant under the Mortgage


Mortgage Company Registration Act

(includes mortgage loan originators and

mortgage companies) Both






USCA § 1602[v])

On the application Colo. Rev. Stat. Ann. § 12-61-918 Mortgage Loan


Mortgage Company

Registration Act

















Generic Cx Number





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 Originator Licensing

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



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



Registration Act



Tangible Net

Benefit Disclosure


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


Mortgage Company Registration Act)

Both


A dwelling (as defined in 15

USCA § 1602[v]) or residential real

estate upon which is, or is

intended to be, constructed 1-




borrower

Colo. Rev. Stat. Ann. § 12-61-914(1); 4 Colo. Code Regs. §§ 725-3:5.15 & 725-3:5.17



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











Generic Cx Number





10, HUD-1 01-01-10, CO

Explanation of Fee Increase

Cx14221 (Federal) and

Cx14222 (Federal), or


A licensee under the Colorado Mortgage


Mortgage Company Registration Act

Both



USCA § 1602[v]) or residential real

estate upon which is, or is

intended to be, constructed 1-


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



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 loan)

Land Not specified, but practically at or before

the time credit is extended



Code


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



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




Generic Cx Number



Closing CO Balloon Note Disclosure

Cx2793 A creditor Consumer credit transaction (a

consumer loan)

Land At the time the transaction is entered

into



Code

No


Cx17905 (Federal)

Not specified, but practically a creditor

Both


(a consumer loan)

Land Not specified, but practically when an

assignment of rights is made

Colo. Rev. Stat. Ann. § 5-3-102 .


Code

12 CFR Pt. 1024, App. MS-2







Connecticut (Package Type)


Generic Cx Number




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

Initial Disclosure Anti-Coercion Insurance

Cx3750 Either: (1) a mortgage lender; or (2) a person

Both

Either: (1) a mortgage loan; or (2) a loan of

money or extension of

credit

Residential real estate

Not specified Conn. Gen. Stat. Ann. §§ 36a-757 & 38a-816(11)

No

Initial Disclosure CT Agreement Concerning

Nonrefundability of Advance Fees

Cx3751 A mortgage lender, correspondent lender, or

mortgage broker, licensed under Chapter

668, Title 36A of Connecticut’s General

Statutes. Both



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

such a dwelling.

Prior to the payment of any

advance fee


498(c)

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






Generic Cx Number




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


A first lien mortgage loan


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


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


before consummation

Conn. Gen. Stat. Ann. § 36a-746b

Connecticut Abusive Home Loan Lending Practices Act

Partial Statutory



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




Generic Cx Number




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


726(b)

No



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




Generic Cx Number




Initial Disclosure CT Mortgage Rate Lock-In Confirmation

Cx15855 A mortgage lender or correspondent lender licensed under Conn.

Gen. Stat. Ann. §§36a-485 to 36a-498a.

Lenders

A first mortgage loan


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

Before the lender commits

to making a loan at a specified rate within a

specified period of time.

Conn. Gen. Stat. Ann. §§ 36a-

705(4) & 36a-706(a)

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




Application


A mortgage loan originator, loan

processor, or underwriter Both



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

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



Closing CT Tax Bill Authorization

CX1842 Not specified Both


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




Generic Cx Number




Closing CT Loan Payoff Disclosure Statement

Cx16059 A notification agent Both

A residential real estate

transaction involving the payoff of a

mortgage loan


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


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


Delaware (Package Type)


Generic Cx Number




Initial Disclosure DE Broker Agreement

Cx3583 A mortgage broker, acting as such, licensed under Chapter 21, Title

5 (Del. Code Ann. §§ 2101 through 2119)

Brokers

A mortgage loan 1-to-4 family 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



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




Del. Code Ann. tit. 13, § 212(a)

No

Initial Disclosure Good Faith Estimate 01-01-10

Cx14221 (Federal)

Either: (1) a licensee under Chapter 21, Title

5 (Del. Code Ann. §§ 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

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

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















Generic Cx Number




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 under Chapter 21, Title




Both



transaction




in size

Not specified, but practically before

a written commitment is

issued

5 Del. Admin. Code §§ 2103-

3.1.3 & 2203-5.1

No



Brokers



between the CSO and the buyer or before receipt by the CSO of any consideration

Del. Code Ann. tit. 6, § 2406

No


Brokers


Not specified Not specified Del. Code Ann. tit. 6, § 2407

Partial Statutory





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



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

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

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




Generic Cx Number











loan Both


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



Loan Application

Closing HUD-1 01-01-10 Cx14222 (Federal)

Either: (1) a licensee under Chapter 21, Title




Both



transaction




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


















District of Columbia (Package Type)


Generic Cx Number



Legal Reference Specific Disclosure Required


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

Cx3633 A licensee under Chapter 11, Title 26

(D.C. Code Ann. §§ 26-1101 through 26-1121), but must be executed by a licensed lender

Both

A mortgage loan A dwelling (as defined in Section 103[w] of TILA) or



dwelling, specifically a 1-to-

4 family home

At least 72 hours before the time of

settlement

D.C. Code Ann. § 26-1113(a)

No

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

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





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

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




Generic Cx Number




Initial Disclosure DC Disclosure of Dual Capacity

Cx5072 A mortgage broker licensed under Chapter 11, Title 26 (§§ 26-1101 through 26-1121) who

is acting in a dual capacity Brokers




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




dwelling

Not specified D.C. Mun. Regs. tit. 26-C, §§

1117.4, 1117.5, & 1117.6

No

Initial Disclosure DC Mortgage Disclosure Form


(D.C. Code Ann. §§ 26-1101 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)




dwelling

Within 3 business days of an application

D.C. Code Ann. § 26-1113(a-1)

Statutory


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







Generic Cx Number






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 Chapter 11, Title 26

(D.C. Code Ann. §§ 26-1101 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)




dwelling

Within 3 business days of an application

D.C. Code Ann. § 26-1113(a-1)(8)(b)

Statutory (Spanish)



Either: (1) a

covered loan; or (2) a loan or

financial transaction

Either: (1) residential real

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


borrower’s principal dwelling;

or (2) property

At least 3 days before closing

D.C. Code Ann. §§ 26-1152.03 and 28-3311(a)(4) &

(a)(5) Home Loan


No










Generic Cx Number






Brokers



between the CSO and the consumer or before receipt

by the CSO of any consideration,


D.C. Code Ann. § 28-4605(a) & (b)

No


Brokers


Not specified Not specified D.C. Code Ann. § 28-4605(c) & (d)

No


& Closing

Initial Truth-in-Lending

Disclosure, ARM Disclosure –

Lender, and other TILA Disclosures


(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


12 CFR Pt. 1026, App. H








Generic Cx Number




Initial Disclosure, Processing, TILA

Redisclosure, Underwriting, &

Closing

Various Federal disclosures used

to fulfill loan application disclosure

requirements


(FNMA/FHLMC), Cx14089

(Federal), and Cx14221 (Federal)


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

Both





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


Loan Application


Waiver of 72 Hour Notice




Both





4 family home

Prior to execution of the financing

agreement

D.C. Code Ann. § 26-1113(b)(2)

No











Generic Cx Number





DC Nonresident Borrower

Confirmation


A lender Both

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



Before a co-borrower, who

does not own or reside in the

subject property, is added to a covered loan

D.C. Code Ann. § 26-1152.02(a)(4)

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


defined in Section 103[w] of TILA) or



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








Generic Cx Number




Closing HELOC Deed of Trust – DC


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



Both





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)


Generic Cx Number




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




Generic Cx Number




Initial Disclosure FL Conflict of Interest

Disclosure

Cx4550 A licensee under Chapter 494 of Florida’s

Annotated Statutes (Fla. Stat. Ann. §§ 494.001 through

494.121) Both

A mortgage transaction,

presumably a mortgage loan

Not specified, but presumably a

dwelling (as defined in

Section 103[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






Generic Cx Number




Initial Disclosure FL Interest Rate Lock Agreement

Cx13498 A licensed mortgage lender under Part 3 of Chapter 494, Title 33

(Fla. Stat. Ann. §§ 494.006 through

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

Both

A mortgage loan A dwelling (as defined in






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

Cx18169 A licensed mortgage lender under Part 3 of Chapter 494, Title 33


494.0077) Lenders







units

Not specified Fla. Stat. Ann. §§ 494.007 & 494.0071; Fla. Admin. Code r. 69V-40.260(2)(e)

Partial Statutory










Generic Cx Number




Initial Disclosure FL Depository Institution Insurance Disclosure

UR Federally insured or state-insured

depository institutions and credit unions

Both


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



Brokers


Not specified Upon execution of a contract

between the CSO and the consumer or before receipt

by the CSO of any consideration,


Fla. Stat. Ann. §§ 817.702 & 817.703

No


Brokers


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







Generic Cx Number




Initial Disclosure & TILA Redisclosure

Itemization of Amount Financed

01-01-10

Cx14224 (Federal)

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


494.0077) Both







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


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)


Generic Cx Number





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

Initial Disclosure Right to Choose

Attorney Cx3846 Not specified

Both Not specified, but

practically required only in connection with high-cost home

loans.

Not specified, but practically real estate upon

which is located a 1-to-4 family,

borrower-occupied

principal dwelling

Not specified Ga. Code Ann. § 7-6A-2(12)(B) &

(G)(ii) Georgia Fair Lending Act

No

Initial Disclosure GA Disclosure of Net Tangible

Benefit


A high-cost home loan which refinances a special home

loan consummated with the prior 5

years

Real estate upon which is located a

1-to-4 family, borrower-occupied

principal dwelling

Not specified Ga. Code Ann. § 7-6A-4

Georgia Fair Lending Act

No

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







Generic Cx Number





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

A mortgage loan A 1-to-4 family residential

property, which is the primary

residence of a natural person, but does not include rental property or

second homes

Within 3 business days after the application is

received

Ga. Code Ann. § 7-1-1014(2);

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


A licensed or registered lender or

broker under the Georgia Residential

Mortgage Act Both




second homes

Not specified Ga. Code Ann. §§ 7-1-1000(16), 7-1-1021, & 13-5-

30(7) Georgia


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




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











Generic Cx Number




Initial Disclosure, Pre-closing,

Redisclsoure, & TILA Redisclosure

GA Acknowledgment

of receipt

Cx19978 A licensee or registrant under the Georgia


Both


(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



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




Application


A person originating a residential mortgage

loan Both





dwelling, consisting of 1-

to-4 units

On the application

Ga. Code Ann. § 7-1-1004.3

Georgia Residential

Mortgage Act


Loan Application








Generic Cx Number




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


Real estate upon which is located a

1-to-4 family, borrower-occupied

principal dwelling

Not specified Ga. Code Ann. § 7-6A-5(15)

Georgia Fair Lending Act

Statutory


Rate Note

FNMA Form 3011 - Georgia

Closing GA Affidavit of Exemption Form

Withholding Seller


A sale or transfer of real property of $20,000 or

more.

Real property Not specified Ga. Code Ann. § 48-7-128; 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




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


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






Generic Cx Number




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)


Generic Cx Number





Cx2778 Every person who lends money or extends

credit and who solicits insurance.

Both

A loan of money or an extension of

credit

Not specified Not specified Haw. Rev. Stat. Ann. § 431:13-

104(c) Insurance Code

No




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


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)


Generic Cx Number





& Closing

Initial and Closing Truth-in-Lending

Disclosures

Cx18 (Federal) & Cx1591 (Federal)

Either: (1) a financial services loan company;

or (2) a 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)









loan Both

Residential mortgage loan




to be) constructed

On the application

Haw. Rev. Stat. Ann. § 454F-19 Secure and Fair Enforcement for

Mortgage Licensing Act


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)


Generic Cx Number




Initial Disclosure ID Mortgage Banker

Application

Cx2688 A licensee under the Idaho Residential

Mortgage Practices Act (Idaho Code Ann. §§

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

Both

A residential mortgage loan or

a loan modification

A dwelling (as defined in Section 103[w] of TILA) or on residential real estate upon which is (or is intended


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


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


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







Generic Cx Number




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


& Closing


Disclosure and Good Faith

Estimate 01-01-10


(Federal), & Cx14221 (Federal)

Either: (1) a licensee under the Idaho

Residential Mortgage Practices Act (Idaho Code Ann. §§ 26-31-101 through 26-31-321); or (2) a person

subject to the Federal Consumer Credit Protection Act (15

USCA §§ 1601 et seq.) Both


mortgage loan; or (2) a credit transaction

subject to the Federal Consumer Credit Protection

Act


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








Generic Cx Number










Any person engaged in the origination of a

residential mortgage loan Both




a dwelling

On the application

Idaho Code Ann. § 26-31-320 Idaho S.A.F.E.



Loan Application


ID Reserve Account

Disclosure

Cx10170 A mortgage company Both

A residential mortgage loan, in

which an impound or

escrow account is maintained


Not specified Idaho Code Ann. § 26-2807 Mortgage

Company Act

No


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

10

Cx14221 (Federal) &

Cx14753 (Federal)

Any person or individual subject to

the Idaho S.A.F.E. Mortgage Licensing

Act (Idaho Code Ann. §§ 26-31-301 through

26-31-321) Both




a dwelling

Before accepting any fees at

closing

Idaho Code Ann. § 26-31-317(19)

Idaho S.A.F.E. Mortgage

Licensing Act

12 CFR Pt. 1024, App. A & C












Illinois (Package Type)


Generic Cx Number




Initial Disclosure IL Right to Choose Title

Cx1097 A person, firm, corporation,

partnership, or association which may extend credit or make

a loan. Both

An extension of credit or a loan secured by an interest in real

estate

Real estate which shall have a single family residence or

residential condo unit occupied (or to be occupied)

as a principal residence by the

borrower or beneficiary

Not specified 815 Ill. Comp. Stat. Ann. 505/2T

Consumer Fraud and Deceptive

Business Practices Act

No

Initial Disclosure IL Borrower Information Document

Cx1206 A licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat.

Ann. 635) Both






dwelling

Before the borrower signs the application,

or gives the licensee any

consideration (whichever comes

first)

Ill. Admin. Code tit. 38, § 1050.1110(a)

& (i) Residential

Mortgage License Act of 1987


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

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





Generic Cx Number




Initial Disclosure IL Mortgage Escrow Account

Act


Ann. 635) Both

A residential mortgage loan,

which is a purchase loan, but not FHA-

insured or VA-guaranteed and in which there is

a certainly that an escrow account

will not be established




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

which is also a single-family

security, owner-occupied real

estate


or pays any consideration

(whichever comes first).

765 Ill. Comp. Stat. Ann. 910; Ill. Admin.

Code tit. 38, §§ 1050.1110(f) & 1050.1360(a)(1)

Residential Mortgage License

Act of 1987

Mostly Statutory

Initial Disclosure IL Mortgage Awareness

Program Notice


A high risk home loan

A borrower’s principal residence

Prior to making a high risk home

loan

815 Ill. Comp. Stat. Ann. 137/110(f) High Risk Home

Loan Act

Notice Mortgage Awareness Program

Initial Disclosure IL Mortgage Awareness Waiver




No less than 2 business days

after the borrower receives

Cx1902

815 Ill. Comp. Stat. 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










Generic Cx Number




Initial Disclosure IL Loan Brokerage Disclosure Statement


Ann. 635) Brokers






dwelling

Before the borrower signs a loan brokerage agreement or

pays any consideration

(whichever comes first)

Ill. Admin. Code tit. 38, § 1050.1020


Act of 1987

No

Initial Disclosure IL Loan Brokerage Agreement


Ann. 635) who perform loan brokering services

Brokers






dwelling


or pays any consideration

(whichever comes first)

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

1050.1170, 1050.1335, &

1050.1340 Residential


No

Initial Disclosure Advanced Fee/Application

Disclosure


Ann. 635) Both






dwelling

Not specified Ill. Admin. Code tit. 38, §§ 1050.1335(a)

& 1050.1340 Residential


No

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

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









Generic Cx Number




Initial Disclosure IL Required Underwriting

Documentation


Ann. 635) Both






dwelling

At the time of application



Act of 1987

No

Initial Disclosure IL GFE Charges Paid by Seller


Ann. 635) Both

A FHA-insured or VA-guaranteed






dwelling


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


Act of 1987

No

Initial Disclosure IL Notice to Borrower



A borrower’s primary residence

Before offering or making a high risk home loan

and not later than 3 business days before closing.

815 Ill. Comp. Stat. Ann. 137/95

High Risk Home Loan Act

Statutory







Generic Cx Number





Cx13441 Either: (1) not specified; or (2)

a licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat.

Ann. 635) Both

Either: (1) not specified; or (2)

a residential mortgage loan

Either: (1) not specified; or (2) a dwelling (as

defined in Section 103[w] of

TILA) or residential real


intended to be) constructed a

dwelling

With forms furnished for

application by mail

750 Ill. Comp. Stat. 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


Ann. 635) Both






dwelling


closing

Ill. Admin. Code tit. 38, §

1050.1335(a)(2); Dep’t of Fin. & Prof.

Reg. Bulletin WD99/2


Act of 1987

No



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

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




Generic Cx Number




Initial Disclosure IL Pledged Time Deposit Account

Disclosure – Example


Ann. 635) Both

A residential mortgage loan, which is for the purchase of the property, but

which is not for either FHA-

insured or VA-guaranteed





dwelling, which is also owner-

occupied, single-family real estate

Before an applicant signs

the application or gives the licensee

any consideration,


765 Ill. Comp. Stat. Ann. 910/6; Ill.

Admin. Code tit. 38, § 1050.1110(f)

Mortgage Escrow Account Act and


Act of 1987

No

Initial Disclosure IL Loan Approval Notice


A licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat.

Ann. 635) Both






dwelling

Immediately upon approval of

a residential mortgage loan

application



Act of 1987

No

Initial Disclosure High Cost Tangible Net

Benefit Worksheet




Not specified 815 Ill. Comp. Stat. Ann. 137/45


No



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





Generic Cx Number




Initial Disclosure IL Notice of Independent

Review




Not specified 815 Ill. Comp. Stat. Ann. 137/125


Notice of Independent

Review

Initial Disclosure IL Notice of Material Change in Loan Terms


A licensee under the Residential Mortgage License Act of 1987

Both






dwelling

No later than 3 days after

learning of the change or 24 hours before

closing, whichever is

earlier

205 Ill. Comp. Stat. Ann. 635/5-9 Residential


No

Initial Disclosure IL Disclosure of Refinancing

Options


A licensee under the Residential Mortgage License Act of 1987

Both






dwelling

When the subject of a future loan is

discussed

205 Ill. Comp. Stat. Ann. 635/5-12


Act of 1987

No





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




Generic Cx Number




Initial Disclosure IL Anti-Coercion Insurance Disclosure

Cx17688 A licensee under the 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


A refinancing loan

A borrower’s principal

residence, consisting of either 1-to-4

family units or a dwelling

consisting of condo or coop

units

Not specified 815 Ill. Comp. Stat. Ann. 120/2(e) &

120/3(e) Illinois Fairness in

Lending Act

No

Adverse Action & Closing

IL Failure to Close Disclosure


Ann. 635) Both






dwelling

After a loan fails to close



Act of 1987

No








Generic Cx Number





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

Not specified 765 Ill. Comp. Stat. Ann. 930/15 Mortgage Insurance

Limitation and Notification Act

No


IL Failure to Qualify Notice


Ann. 635) Both






dwelling

Immediately after determining that a borrower does

not qualify for the loan applied for and the costs of

another recommended

program materially differ

Ill. Admin. Code tit. 38, § 1050.1230(a)


Act of 1987

No


IL Notice of Change Affecting

Loan


Ann. 635) Both






dwelling

When a notice is received from a

secondary market underwriter, an

investor, the FHA, or the VA, that

materially affects a loan in process

Ill. Admin. Code tit. 38, § 1050.1230(b)


Act of 1987

No


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

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




Generic Cx Number











loan Both






dwelling

On the application

205 Ill. Comp. Stat. Ann. 635/7-14


Act of 1987


Loan Application


IL Notice of Material Facts


A mortgage broker, who is licensed under

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

Stat. Ann. 635) Both






dwelling

Not specified 205 Ill. Comp. Stat. Ann. 635/5-7(a)(3)


Act of 1987

No

Closing Homestead Waiver in IL Mortgage


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








Generic Cx Number




Closing IL Escrow Account Disclosure Agreement


Ann. 635) Both

A primary lien, residential

mortgage loan which provides for an escrow

account





dwelling

At closing Ill. Admin. Code tit. 38, § 1050.1360(b)


Act of 1987

No

Closing IL Pledged Time Deposit Account

Disclosure

Cx1014 Either: (1) a mortgage lender; or (2) a licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp.

Stat. Ann. 635) Both

Either: (1) a purchase loan; or (2) a residential mortgage loan, which is for the purchase of the property, but


insured or VA-guaranteed

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

dwelling (as defined in






At closing 765 Ill. Comp. Stat. Ann. 910/6; Ill.

Admin. Code tit. 38, § 1050.1360(a)(1) Mortgage Escrow Account Act and


Act of 1987

No

Closing IL Collateral Protection Act

Notice



Property In or with the credit agreement

815 Ill. Comp. Stat. Ann. 180/10(3)

Collateral Protection Act

Statutory








Generic Cx Number




Closing IL First Payment Letter Enhanced

Fees

Cx7606 (Upon Request)

A servicer Both


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


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


insured or VA-guaranteed, or in which an escrow account or other

specific arrangement for payment of taxes

is made







At closing Ill. Admin. Code tit. 38, §

1050.1360(a)(2) Residential


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






Generic Cx Number





Cx17905 (Federal)

A licensee under the Residential Mortgage License Act of 1987 (205 Ill. Comp. Stat.

Ann. 635) Both






dwelling

Simultaneous with the transfer

of servicing

205 Ill. Comp. Stat. Ann. 635/3-7; Ill.

Admin. Code tit. 38, § 1050.820 Residential


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)


Generic Cx Number





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 licensed under Chapter 5, Article 2, Title 23 of

Indiana’s Code; or (2) a licensee supervised by the Indiana Securities

Commission. Brokers


mortgage loan; or (2) a loan


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



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







Generic Cx Number




Initial Disclosure IN Notice to Borrower


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



A consumer loan, which generally


transactions

An interest in land used (or expected to be used) as the debtor’s principal

dwelling


charging for optional

consumer credit insurance

Ind. Code Ann. § 24-4.5-3-202(2)


Code - Loans

No

Initial Disclosure

IN Commitment Agreement


Credit Agreement Not specified Not specified Ind. Code Ann. §26-2-9-4

No



Brokers


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


Brokers


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






Generic Cx Number





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 debtor’s principal

dwelling

Various times Ind. Code Ann. § 24-4.5-3-301(2)


Code - Loans








Either: (1) a licensee under the First Lien

Mortgage Lending Act – Miscellaneous; or (2) a person originating a mortgage transaction

Both

Either: (1) a first lien mortgage

transaction; or (2) a mortgage

transaction (a consumer loan)

A 1-to-4 unit dwelling or


which a dwelling is constructed or intended to be

constructed

On the application

Ind. Code Ann. § 24-4.4-2-405(2); 750 Ind. Admin. Code 9-4-1(b)

First Lien Mortgage

Lending Act - Miscellaneous


Loan Application

Closing High Cost Home Loan Legend,

Document Preparation

Disclosure, and Social Security Redactment

Affirmation on IN Mortgage


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






Generic Cx Number




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


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


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)


Generic Cx Number


Loan Type Property Timing Requirement Legal Reference Format

Initial Disclosure IA Payment Reduction Fee

Disclosure


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


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


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




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)


Generic Cx Number






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



Brokers


Not specified Before executing a contract or agreement

with a buyer or receiving money or

other valuable consideration

Iowa Code Ann. § 538A.6

No


Brokers


Not specified Not specified Iowa Code Ann. § 538A.7

Statutory

Initial Disclosure IA Lock-In Agreement


A lender Both

Not specified Not specified Not specified Iowa Code Ann. § 535.17(1), (5)(c)

& (8)

Statutory

Initial Disclosure IA Commitment Agreement


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)


Generic Cx Number




& Closing

TILA Disclosures Cx18, Cx1591, and other TILA

Disclosures

A person Both






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



NMLS Number Disclosed on 1003

Uniform Residential Loan

Application



loan Both



section 103[w] of TILA) or



dwelling

On the application Iowa Code Ann. § 535D.19

Iowa Secure and Fair Enforcement

for Mortgage Licensing Act




& 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)


Generic Cx Number



Closing Notice to Consumer on IA

Mortgage Second and Fixed Rate

Note Iowa Second

On Cx479 & Cx1044

A creditor Both


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





Statutory

Closing Homestead Waiver on IA Mortgage, IA

Mortgage FHA, IA Mortgage Second,

and HELOC Mortgage Less than 25000 – IA


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)


Generic Cx Number



Closing IA Oral Agreement Disclosure


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

Cx1022 Not specified, but practically by the

lender Both


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


obligation or any writing setting forth

the terms of the debtor’s agreement




Statutory



Iowa (Package Type)


Generic Cx Number



Closing Consumer Credit Transaction

Notice on Fixed Rate Note Iowa

Second

On Cx1044 Not specified, but practically by the

lender Both






property

Not specified On the face of the negotiable instrument




Statutory


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


the borrower


charging the disclosed fees

Iowa Code Ann. § 535.8(2)(b)

12 CFR Pt. 1024, App. A





Iowa (Package Type)


Generic Cx Number




Cx17905 (Federal)

Not specified, but practically the original

creditor Both






property

Not specified Not specified, but practically before or at

the time the loan is assigned




12 CFR Pt. 1024, App. MS-2






Kansas (Package Type)


Generic Cx Number




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


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


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







Generic Cx Number







which is either: (1) a primary lien if the LTV exceeds 100% or the APR exceeds the code mortgage rate; or

(2) a junior lien

Land On the loan agreement or

other instrument

Kan. Stat. Ann. § 16a-4-109

Revised Uniform Consumer Credit Code - Insurance

No

Initial Disclosure KS Loan Broker Disclosure

Cx4248 A loan broker 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






Generic Cx Number




Initial Disclosure Dual Capacity Disclosure

Cx12999 Either: (1) a licensee (mortgage company)

under the Kansas Mortgage Business Act;

or (2) a licensee or registrant under the Uniform Consumer

Credit Code, either of whom also acts as a real estate broker or agent in connection with the transaction

Both


(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



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





(2) a junior lien

Land Not specified, but 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








Generic Cx Number




Initial Disclosure KS Estimated Disclosure Document


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


& Closing

Various TILA Disclosures

Cx18, Cx1591, and other TILA Disclosures (All

Federal)

A creditor Both



(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),


(2) a junior lien

Land On the written loan agreement

Kan. Stat. Ann. § 16a-3-202

Revised Uniform Consumer Credit


Agreement and Practices

Statutory


Rate Note

FNMA Form 3017 - Kansas














Generic Cx Number




Closing KS UCCC Addendum


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)


Generic Cx Number





Cx2778 Either: (1) a financial institution; or (2) a creditor or lender

Lenders

Either: (1) A loan or extension of credit; or (2) A debt or loan

Property When application approval is

pending and insurance is offered or required.

Ky. Rev. Stat. Ann. §§ 304.9-135(2)(b) & (c) and 304.12-

150; 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


Residential real property, which is

a dwelling (as defined in 15

USCA § 1602[v]) or any real

property upon which is (or is


dwelling

Not specified Ky. Rev. Stat. Ann. § 286.8-270(1)(b)

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





Generic Cx Number




Initial Disclosure KY Commitment Disclosure

Cx3826 A mortgage loan company or a loan

broker Both

A loan commitment or

funding, presumably for a mortgage loan

Residential real property, which is





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


Residential real property which is

(or will be) the borrower’s

principal dwelling


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





dwelling

At the time when the Good Faith

Estimate is provided

808 Ky. Admin. Regs. 12:050(3)


12 CFR Pt. 1024, App. D



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






Generic Cx Number




Initial Disclosure Material Change of HCL Terms


A lender, including any person who acts as a mortgage broker or

lender


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



Not specified Not specified Prior to closing Ky. Rev. Stat. Ann. § 304.9-135(2)(f)

No




Disclosure on 1003 Uniform



Any person originating a mortgage loan

Both






dwelling

On the application

Ky. Rev. Stat. Ann. § 286.8-030(5)



Loan Application


& 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






dwelling


closing

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


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













Generic Cx Number




Closing KY Fair Housing Disclosure

Cx11145 A person or entity engaged in real estate-

related transactions Both

A financing of real property

Real property At the time of sale, purchase, or financing of real

property

104 Ky. Admin. Reg. 1:010(4)

Fair Housing Brochure

Closing KY Homeownership Protection Center

Notification to Homeowners


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)


Generic Cx Number




Initial Disclosure LA Loan Brokerage Agreement and

Disclosure Statement


A consumer or federally related mortgage loan in

which a loan broker is involved

If a federal related mortgage loan, a


USCA § 1602[v]) or residential immovable



dwelling

With the application

La. Rev. Stat. Ann. §§ 9:3572.10 &

9:3572.11 Louisiana

Consumer Credit Law

No


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







Generic Cx Number




Initial Disclosure LA Mortgage Loan Origination Agreement

Cx4828 A mortgage broker Brokers






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

Cx11909 A licensee under the Louisiana S.A.F.E.

Residential Mortgage Lending Act (La. Rev. Stat. Ann. §§ 6:1081

through 6:1104) Both






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






Generic Cx Number




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


other than a federally related mortgage loan, and a consumer

loan

Residential immovable

property (upon which there is, or

will be, constructed a

dwelling), including an

immobilized 1-to-4 family mobile

home


closing

La. Rev. Stat. Ann. §§ 6:1096 &

6:1097 Louisiana S.A.F.E.


Lending Act


Rate Note

12 CFR Pt. 1024, App. A

Closing LA Title Insurance Rider


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)


Generic Cx Number



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


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


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


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




Generic Cx Number



Initial Disclosure ME Balloon Addendum to

Loan Application


A consumer credit transaction (consumer loan) with a term of 4

years or less, excluding open-end credit and

generally excluding purchase,

refinance of a purchase,

construction, and first lien loans

Manufactured housing or an interest in land

Not specified Me. Rev. Stat. Ann. tit. 9-A, § 3-

308 Maine Consumer

Credit Code – Regulation of


No

Initial Disclosure ME Disclosure to Consumer

Cx3764 Either: (1) a loan broker; or (2) a credit services organization

Both

Either: (1) an extension of credit; or (2)

consumer credit, presumably a


(consumer loan)


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


10

Cx4517 & Cx14221 (Federal)

Either: (1) a loan broker; or (2) a credit services organization

Brokers

Consumer credit, presumably a


(consumer loan)


Not specified Me. Rev. Stat. 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/












Generic Cx Number



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




Me. Rev. Stat. Ann. tit. 19-A, §

650-A

No

Initial Disclosure Privacy Policy Notice

Cx15182 (Federal)

A creditor, but not a supervised financial

organization Both



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



12 CFR Pt. 1016, App. A





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







Generic Cx Number



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


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


Cx16488 The creditor Both

A consumer credit transaction (consumer loan), which generally

excludes purchase,





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


A supervised lender or a loan broker

Both

A mortgage loan Residential real property


Me. Rev. Stat. Ann. tit. 33, § 507

No






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




Generic Cx Number



Initial Disclosure Debt Management

Service Provider List of Counselors

UR A debt management service provider

Brokers


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


Not specified Before performing any debt management

services

Me. Rev. Stat. Ann. tit. 32, §

6176 Debt

Management Services Act

Partial Statutory

Sample Contract


& Closing


Disclosure and other TILA Disclosures

Cx1591 and other TILA Disclosures

Either: (1) a creditor; or (2) a loan broker and

its mortgage loan originators

Both


transaction (consumer loan); or (2) consumer

credit, presumably a

consumer loan


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






Generic Cx Number




Appraisal Disclosure

Cx3397 Either: (1) a creditor; or (2) a financial

institution Both


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


No








loan Both






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





10, HUD-1 01-01-10, and other

RESPA Disclosures

Cx14221, Cx14222, and other RESPA disclosures

A loan broker and its mortgage loan originators, but

generally excluding supervised financial organizations and supervised lenders

Both

Consumer credit Not specified At various times Me. Rev. Stat. Ann. tit. 9-A, §

10-307 Maine Consumer

Credit Code – Loan Brokers

12 CFR Pt. 1024, App.



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











Generic Cx Number



Closing ME Notice to Cosigners


A consumer credit transaction (consumer loan), which generally

excludes purchase,




Before or contemporaneously

with signing any writing setting forth

the debtor’s agreement


206 Maine Consumer

Credit Code – Regulation of


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








Generic Cx Number




Cx17905 (Federal)

A supervised lender Both

A supervised loan

Real estate, manufactured housing, or an interest in land

Before assignment of the loan


310 Maine Consumer

Credit Code – Finance Charges

and Related Provisions

12 CFR Pt. 1024, App. MS-2







Maryland (Package Type)


Generic Cx Number




Initial Disclosure MD Financing Agreement

Cx2171 Either: (1) a lender; or (2) a credit grantor licensed under the

Maryland Mortgage Lender Law (Md. Code Ann., Fin. Inst. §§ 11-501 through 11-524)

Both

A purchase money loan, or a refinance, which

is also a first mortgage or first

deed of trust

Owner-occupied real property

having a 1-to-4 family dwelling


after the date the application is

completed

Md. Code Ann., Com. Law §§ 12-

125(b), 12-922(b), & 12-1022(b); Md.

Code Regs. 09.03.06.06

No

Initial Disclosure MD Settlement Services

Disclosure


Either: (1) a first mortgage or first deed of trust; or

(2) any loan secured by a mortgage or deed of trust


At application or within 3 days

after application, or earlier upon

request.

Md. Code Ann., Com. Law §§ 12-119

& 12-120(c)

No


Cx2778 Either: (1) a lender; or (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












Generic Cx Number




Initial Disclosure MD Notice of Waiver



Both



deed of trust



At least 72 hours before the time of settlement


125(c)(2), 12-922(c)(2), & 12-1022(c)(2); Md.

Code Regs. 09.03.06.14

No

Initial Disclosure MD Application Disclosure

Cx3579 A licensee under the Maryland Mortgage

Lender Law (Md. Code Ann., Fin. Inst. §§ 11-501 through 11-524)

Both

A mortgage loan, which is for the

purchase of property

An owner-occupied


estate on which a dwelling is (or is intended to be)

constructed

At the time the borrower elects the type of loan

applied for

Md. Code Regs. 09.03.06.09(C)

Maryland Mortgage Lender Law

No

Initial Disclosure List of Homeownership

Counseling Organizations

Cx17874 (Federal)

A lender, including a licensee under the

Maryland Mortgage Lender Law (Md. Code Ann. Fin. Inst. §§ 11-501 through 11-524)

and a person who makes secondary

mortgage loans, but who is exempt from licensing under the Maryland Mortgage

Lender Law Both

Either: (1) a covered loan, including a secondary

mortgage loan; (2) a mortgage loan; or (3) a

reverse mortgage

An owner-occupied



constructed

At the time the borrower

completes the application

Md. Code Ann., Com. Law §§ 12-409.1(d)(2) & 12-1303; 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




Generic Cx Number




Initial Disclosure MD Loan Commitment



Both



deed of trust



At least 72 hours before the time of settlement


125(c)(1), 12-922(c), & 12-1022(c); Md.

Code Regs. 09.03.06.06(C)(2)


No

Initial Disclosure MD Right to Rescind After

Written Application


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











Generic Cx Number




Initial Disclosure MD Right to Rescind Before

Application


A mortgage loan for the purchase

of property

A single family residential real

property improved by 1-

to-4 single family units, but not

property that has never been

occupied or for which a

certificate of occupancy has

been issued within 1 year

before the sales contract

At or before the time application

is made


702(h)(2)(i)

No

Initial Disclosure MD Broker Contract

Cx4565 Either: (1) a mortgage broker; (2) a person; or (3) a licensee under the


who is acting as a mortgage broker

Brokers

Either: (1) a loan or advance of

money; or (2) a mortgage loan

An owner-occupied



constructed

Before undertaking to

assist the borrower in

obtaining a loan

Md. Code Ann., Com. Law §§ 12-805(c) & (d) and

12-806; Md. Code Regs. 09.03.06.07 &

09.03.06.11 Maryland Mortgage

Lender Law

No



Not specified Not specified Not specified Md. Code Ann., Fam. Law § 2-201

No












Generic Cx Number




Initial Disclosure MD Net Tangible Benefit Worksheet

Cx13909 Either: (1) a licensee under the Maryland

Mortgage Lender Law (Md. Code Ann., Fin.

Inst. §§ 11-501 through 11-524); or (2) a mortgage loan

originator Both


An owner-occupied



constructed

Not specified Md. Code Regs. 09.03.06.20 & 09.03.09.04


Net Tangible Benefit Worksheet


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


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




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

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











Generic Cx Number





& Closing

Truth-in-Lending Disclosure or


Disclosure

Cx18 (Federal) or Cx1591 (Federal)

Either: (1) a lender who

makes loans under Subtitle 1, Title 12 of

Maryland’s Commercial Law (Md. Code Ann.,

Com. Law §§ 12-101 et seq.);

(2) a lender who makes loans under the

Maryland Consumer Loan Law – Credit

Provisions (Md. Code Ann., Com. Law §§ 12-

301 et seq.); (3) a lender; or

(4) a credit grantor. Both

Either: (1) a loan under

Subtitle 1, Title 12 of Maryland’s

Commercial Law (Md. Code Ann., Com. Law §§ 12-

101 et seq.); (2) a loan under

the Maryland Consumer Loan

Law – Credit Provisions (Md.

Code Ann., Com. Law §§ 12-301 et

seq.); (3) a mortgage

loan; (4) a revolving credit plan; or

(5) a loan (closed-end credit)


estate on which a dwelling will be located, which is owner-occupied

Before execution of a loan contract


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

805(c), 12-914(b), & 12-1014(b) Maryland

Consumer Loan Law – Credit Provisions



MD Closing Attorneys Fee Certification


A lender Both

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

excluding commercial loans


At or prior to settlement

Md. Code Ann., Com. Law § 12-

120(b)

No















Generic Cx Number





Maryland DLLR Disclosure

Cx13900, Cx13901,


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



constructed


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

time of settlement

Md. Code Regs. 09.03.10.03

Administrative


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

10

Cx14221 (Federal) &

Cx14222 (Federal)

A licensee under the Maryland Mortgage

Lender Law (Md. Code Ann., Fin. Inst. §§ 11-501 through 11-524)

Both

A mortgage loan A dwelling or residential real estate on which

an owner-occupied

dwelling is (or is intended to be)

constructed

Various Md. Code Regs. 09.03.06.07(C)


12 CFR Pt. 1024, App. A & C


MD Tax Property Affidavit

Cx15803 The original mortgagor A mortgage or deed of trust,

which is a refinance loan

Real property which is the

principal residence of the

original mortgagor

At closing or recording

Md. Code Ann., Tax-Prop. § 12-

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

Refinance and Supplement

Affidavit (Howard County)







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






Generic Cx Number





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


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 §

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







Generic Cx Number




Closing Affidavits of Consideration and Disbursement on MD Deed of Trust, MD Deed of Trust

FHA, and MD Deed of Trust

Second

On Cx329 (FNMA/FHLMC), Cx382 (FHA), &

Cx487

The mortgagee or party secured by the

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)


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


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


Closing MD First Time Home Buyer

Affidavit


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














Generic Cx Number




Closing MD Licensee Information or

Affidavit

Cx13984 A mortgage lender licensed under the

Maryland Mortgage Lender Law or a mortgage loan

originator licensed under Subtitle 6, Title

11 of Maryland’s Financial Institutions

Code, or a person exempt from licensing

under either. Both

A mortgage loan Residential property,

improved by 1-to-4 single family

dwelling units

When the security

instrument is recorded


104.1; Md. Code Regs.

09.03.06.07(D) & 09.03.11.02(B)


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


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


106(b)(2)

No














Generic Cx Number




Closing MD Property Tax Installment Direction


Not specified Both


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)


Generic Cx Number



Legal Reference Specific Language Requirement

Initial Disclosure MA Addendum to Uniform


Cx3573 Either: (1) not specified; or (2)

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

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

Both

Either: (1) a mortgage loan;

or (2) a residential

mortgage loan

A 1-to-4 family dwelling on residential property


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



A consumer’s principal dwelling,

consisting of 1-to-4 units,

regardless of whether it is

attached to real property


before the loan is closed

Mass. Regs. Code tit. 209, §§

32.34(2)(a) & 40.07(2)

No

Initial Disclosure MA High Cost Loan Payment Disclosure and

Section 32 Mortgage Loan

Disclosure

Cx3746, Cx17901


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

financial institution Both



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.


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








Generic Cx Number





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


193E; ch. 176D, § 4; & ch. 183, § 66; Mass. Regs. Code tit. 209, § 49.06(5)

No

Initial Disclosure MA Borrower’s Interest

Worksheet


A home loan which refinances another home loan within 60

months prior to application

Real estate improved with a

1-to-4 family dwelling,

occupied by the borrower

No later than closing


28C, 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


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








Generic Cx Number




Initial Disclosure MA Counseling Disclosure


An adjustable-rate subprime

loan

Owner-occupied, 1-to-4 family

residential property

At or before closing


17B½ Division of Banks Regulatory Bulletin 1.3-104

No




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

Initial Disclosure MA High Cost Home Loan Disclosure

Cx14937 A creditor, other than a broker Both



consisting of 1-to-4 units,


attached to real property

Not specified Mass. Regs. Code tit. 209, §

32.32(3)(a) through (e)


http://www.malegislature.gov/Laws/GeneralLaws/PartII/TitleI/Chapter184/Section17B1%7E2

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







Generic Cx Number




Initial Disclosure Statement of Credit Denial,


On Cx15858 (Federal)

Either: (1) the user of the consumer report

which formed the basis for adversely affecting a consumer; or (2) a

mortgagee Both

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


Residential real property of 1- to-

4 separate households

occupied (or to be occupied) by the applicant (in whole or in part)

Within 10 business days of deciding to take adverse action

Mass. Gen. Laws Ann. ch. 93, § 62;

ch. 183, § 64

Partial Statutory


Initial Disclosure Section 32 Mortgage Loan

Disclosure

Cx17901 & 17902 (Federal)

A lender, including a financial institution, but

excluding lenders subject to Mass. Regs. Code tit. 209, § 40.03

and brokers Both



Not specified Mass. Regs. Code tit. 209, §

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


Initial Disclosure MA Additional Broker Fee

Authorization


A mortgage lender or a mortgage broker

Both

A mortgage loan, excluding reverse mortgages and open-end home equity lines of

credit



with accommodations

for 1-to-4 separate

households and occupied (or to be occupied) by the obligor (in

whole or in part)

Not specified Mass. Regs. Code tit. 940, § 8.06(4)

No

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









Generic Cx Number




Initial Disclosure MA Conflict of Interest

Disclosure


A mortgage broker Brokers

A loan, presumably a

mortgage loan, but excluding certain reverse mortgages and open-end home equity lines of

credit



with accommodations

for 1-to-4 separate

households that is (or is intended to be) occupied by the obligor

(either in whole or in part)

Before processing, making, or

arranging the loan

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)


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





Generic Cx Number






Brokers


Not specified Before the 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


Brokers


Not specified Not specified Mass. Gen. Laws Ann. ch. 93, §

68D

Statutory


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


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




Generic Cx Number




Initial Disclosure, TILA Redisclosure, & Closing

State Truth-in-Lending Act Disclosures

Complied with by Federal Truth-in-

Lending Act Disclosures

Cx18, Cx1591, Cx8204,

Cx15444, and other TILA

Disclosures (all Federal)

Various, but primarily creditors

Both

Various, but primarily a


Various, but primarily a

dwelling, which is a residential structure or

mobile home 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


MA Certification and

Indemnification Agreement


Not specified, but practically a purchase loan

1-to-5 family dwellings

occupied in whole or in part for residential

purposes


upon the sale or transfer of the

building and/or structure

Mass. Gen. Laws Ann. ch. 148, §§

26E & 26F; 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





Generic Cx Number






Disclosure and Good Faith

Estimate 01-01-10


Cx14221 (Federal)

A mortgage lender or a mortgage broker

Both

A mortgage loan, excluding reverse mortgages and open-end home equity lines of

credit



with accommodations

for 1-to-4 separate


whole or in part)

Not specified Mass. Regs. Code tit. 940, § 8.05

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

App. H



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


Either: (1) a creditor, excluding a broker; or

(2) a lender, including a financial institution, but

excluding a broker Both



including a 1-to-4-unit dwelling,


attached to real property.

On the application

(4193) or within 24 hours after

determining that the loan is a high cost home loan

(3742).


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

Administrative


Loan Application



MA Mortgage Review Board

Notice

Cx3852 A mortgagee Lenders


Residential property of 1-to-

4 units and occupied by the mortgagor (in

whole or in part)

At the time of denial


14A

No










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




Generic Cx Number











loan, including a licensed mortgage loan originator under Mass.

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

Both






dwelling

On the application

Mass. Gen. Laws Ann ch. 255F, § 18; Mass. Regs. Code tit. 209, §

41.12(2)


Loan Application


MA Insurance Disclosure


A bank that sells insurance products

Both


Not specified Not specified, 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





Generic Cx Number




Closing Mortgage originator

information on MA Mortgages

and the MA Assignment of

Mortgage


Cx381 (FHA), Cx486, Cx1322,

& Cx1531

A mortgagee

A mortgage loan

Either: (1) real property having

thereon a dwelling with

accommodations for 1-to-4


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


purchase

Premises, meaning

dwellings built before 1978

Prior to seller signing a

purchase and sale agreement.


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








Generic Cx Number





A mortgagee, a mortgage lender, or a

mortgage broker Both

A mortgage transaction


consisting of 1-to-4 units and

occupied by the mortgagor (in

whole or in part)

Before charging a loan fee, finder’s

fee, or points

Mass. Gen. Laws Ann. ch. 183, § 63

12 CFR Pt. 1024, App. A

Closing MA Certification of Carbon Monoxide Detector


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%7E2


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



Michigan (Package Type)


Generic Cx Number





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


Brokers


Not specified Not specified Mich. Comp. Laws Ann. § 445.1823(k)

Credit Services Protection Act

No

Initial Disclosure MI Lock-In Agreement


A licensee or registrant Both

A mortgage loan Not specified Not specified Mich. Comp. Laws Ann. § 445.1673(2)

No

Initial Disclosure MI Commitment Agreement


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




Generic Cx Number




Initial Disclosure MI Notice to Borrower


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)





Application



loan Both




residential real estate on which a

person has (or intends to) construct a

dwelling

On the application


493.171 Mortgage Loan

Originator Licensing Act


Loan Application

Closing Marital Status Disclosed on MI

Mortgage1


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













Generic Cx Number




Closing MI Principal Residence

Exemption (PRE) Affidavit


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


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



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


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




Generic Cx Number




Closing HUD 01-01-10 Cx14222 (Federal)

A state or national bank, an insurance

company, or a lender approved as a

mortgagee under the National Housing Act

or regulated by a federal agency

Both

A loan Not specified Upon closing of the loan


438.31b

12 CFR Pt. 1024, App. A

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




Minnesota (Package Type)


Generic Cx Number




Initial 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

Initial Disclosure MN Originator Non-agency Disclosure

Cx1901 A residential mortgage originator or an exempt person,

excluding mortgage brokers, who does not accept an advance fee

Both





Within 3 business days of accepting

an application.

Minn. Stat. Ann. § 58.15

Minnesota Residential Mortgage


Act

Statutory

Initial Disclosure MN Residential Mortgage Originator Contract

Cx1907 A residential mortgage originator who either: (a) solicits or receives an advance fee; or (b)

offers to act as an agent of the borrower

Brokers

A lien on residential real

estate




When soliciting or receiving an

advance fee for assisting in

finding a loan, or offers to act as an

agent of the borrower.




Act

No

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






Generic Cx Number





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


Cx12531 A residential mortgage originator or servicer (including a licensee under the Minnesota Residential Mortgage

Originator and Servicer Act), or an exempt

person Both


which refinances a residential

mortgage loan




Not specified Minn. Stat. Ann. § 58.13(1)(a)(25)



Act

No



Not specified Not specified Not specified Minn. Stat. Ann. § 517.01

No

Initial Disclosure MN Lower Investment Grade

Disclosure


Residential mortgage originators, servicers, and otherwise exempt

persons Both


which has a lower investment grade than what

the borrower qualifies for


containing a 1-to-4 family structure

Before making, providing, or

arranging for the loan

Minn. Stat. Ann. § 58.13(1)(a)(18)


Originator and Servicer

Licensing Act

No

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









Generic Cx Number




Initial Disclosure MN Lock-in Agreement


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

Initial Disclosure MN Commitment Agreement







At the time of offering such an agreement is

made

Minn. Stat. Ann. §§ 47.20(2):(8) &

47.206

No



Brokers


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


Statutory


Brokers


Not specified Not specified Minn. Stat. Ann. § 332.58

Statutory










Generic Cx Number





MN Private Mortgage Insurance Disclosure

Cx2530 A servicer Both


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








loan Both



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



Loan Application


MN Disclaimer of Loan Terms







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


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















Generic Cx Number




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


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

Cx1893 A residential mortgage originator, including a

lender or a broker Both

A residential mortgage loan that contains a

prepayment penalty




Within 3 days before the

borrower signs the note

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


Act

Statutory










Generic Cx Number




Closing MN Homestead Disclosure

Cx4303 A licensee under the 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


A residential mortgage originator (practically

applies only to brokers) Brokers





At the expiration of the originator

contract

Minn. Stat. Ann. § 58.16(7)



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


A seller or the buyer Both


purchase loan

Real property, excluding individual

condominium units

At the time of closing

Minn. Stat. Ann. § 103I.235

Well Disclosure Certificate Form


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


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






Generic Cx Number




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


An open-end credit account

Not specified At the time the account is established

Minn. Stat. Ann. § 47.59(12)(a)

Statutory








Mississippi (Package Type)


Generic Cx Number





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

Cx3315 A licensee under the Mississippi S.A.F.E.

Mortgage Act (Miss. Code Ann. §§ 81-18-1

through 81-18-63) Both




to be) constructed a dwelling

Not specified, but practically before performing any

origination services

Miss. Code Ann. § 81-18-33(1)(a)

Mississippi S.A.F.E. Mortgage Act

Partial Statutory

MS Mortgage Origination

Agreement (in Quick Links)


Cx14221 (Federal)

A licensee under the Mississippi S.A.F.E.







Not specified, but practically no later

than 3 business days after receipt of an application

Miss. Code Ann. § 81-18-33(1)(d)


12 CFR Pt. 1024, App. C

Initial Disclosure MS Lock-in Agreement

Cx16587 A licensee under the Mississippi S.A.F.E.







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


No

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


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








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




Generic Cx Number




Initial Disclosure MS Insurance Disclosure


A financial institution 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


A financial institution 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


& Closing

TILA Disclosures Cx18, Cx1591, and other TILA Disclosures (all

Federal)








Various times Miss. Code Ann. § 81-18-33(1)(g)


12 CFR Pt. 1026, App. H



1003 Uniform Residential Loan

Application, including NMLS Unique Identifier disclosed thereon


Either: (1) any person originating a residential mortgage loan; or (2) a

licensee under the Mississippi S.A.F.E.







On the application

Miss. Code Ann. §§ 81-18-31(f) and 81-18-33(1)(b) &

(h) Mississippi S.A.F.E.

Mortgage Act


Loan Application















Generic Cx Number













closing

Miss. Code Ann. § 81-18-33(1)(c)


12 CFR Pt. 1024, App. A






Missouri (Package Type)


Generic Cx Number






credit and who solicits insurance

Both

A credit extension, including a residential mortgage

Real property, including residential property


closing

Mo. Ann. Stat. § 375.937(3)

Unfair Trade Practice Act

No


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

Cx3328 A residential mortgage loan broker

Both



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






defined by TILA

Not specified, but practically before a rate-lock fee is

collected

Mo. Code Regs. Ann. tit. 20, § 1140-30.280



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




Generic Cx Number






Brokers


Not specified Before executing a contract or agreement

with a buyer or receiving

consideration

Mo. Ann. Stat. § 407.641

Statutory


Brokers


Not specified Not specified Mo. Ann. Stat. § 407.642

Statutory



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)









loan Both





defined by TILA

On the application Mo. Ann. Stat. § 443.745



Licensing Act


Loan Application












Generic Cx Number




Closing 3200 Note Fixed, MO Deed of

Trust, MO Deed of Trust Second,

and MO Addendum to the

Note-Oral Agreement

Cx19383 (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

Not specified Not specified, but practically at

closing

Mo. Ann. Stat. § 432.045

Statutory


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


closing

Mo. Ann. Stat. § 427.120(2) Collateral

Protection Act

FNMA Form 3026 - Missouri

Closing MO Collateral Protection Insurance Disclosure


A credit transaction in

which collateral insurance is

obtained

Not specified At the time the credit agreement

is entered

Mo. Ann. Stat. § 427.120(3) Collateral

Protection Act

Statutory

Closing Married Wife Notice in

Acknowledgment


Not specified Both

An instrument Not specified Not specified, but practically at

closing

Mo. Ann. Stat. § 442.210(4)

No


Cx17905 (Federal)

A residential mortgage 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)




defined by TILA

When the servicing of a

residential mortgage is

transferred or sold

Mo. Ann. Stat. § 443.861



Licensing Act

12 CFR Pt. 1024, App. MS-2
















Montana (Package Type)


Generic Cx Number




Initial Disclosure MT Mortgage Loan Origination

Disclosure

Cx2776 A mortgage loan originator working for a mortgage broker, who is licensed under the

Montana Mortgage Act Brokers



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



credit and who solicits 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)


Generic Cx Number




Initial Disclosure MT Mortgage Loan Rate Lock Commitment

Cx14844 A licensed mortgage lender under the

Montana Mortgage Act Both







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


Montana Mortgage Act Both







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


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)


Generic Cx Number





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


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

Cx12999 A licensee under the Residential Mortgage

Licensing Act, who also acts as a real estate

broker or agent Both


that is connected to the sale of real

estate



which is (or will be constructed) a

dwelling

Before receiving compensation as a

mortgage banker or mortgage loan

originator

Neb. Rev. Stat. § 45-740(1)(g) Residential Mortgage

Licensing Act

No







A licensee under the Residential Mortgage

Licensing Act Both





dwelling

On the application Neb. Rev. Stat. § 45-736


Licensing Act



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)


Generic Cx Number



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

Cx13029 Not specified, but presumably a licensee under the Nebraska Installment Loan Act

Both

A loan, the interest rate of which exceeds

16%

Not specified Before or contemporaneously

with signing any agreement of loan.

Neb. Rev. Stat. § 45-1053 Nebraska

Installment Loan Act

Notice to Cosigner or Guarantor

Closing Request for Notice - NE


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


Cx17905 (Federal)

A licensee under the Residential Mortgage

Licensing Act Both





dwelling

Not less than 15 days prior to the effective

date of the transfer of servicing rights

Neb. Rev. Stat. Ann. § 45-739


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)


Generic Cx Number




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


Disclosure

Cx2783 Either: (1) a mortgage broker and his or her agents (both licensed under Chapter 645B of

Nevada’s Revised Statutes), or any other

person; or (2) a mortgage banker, who

is licensed under Chapter 645E, or any

other person Both

A loan secured by a lien on real

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




Generic Cx Number





Cx2788 Either: (1) a lender; or (2) a person

Both

Either: (1) a home loan, including a consumer credit

transaction subject to HOEPA

(15 USCA § 1602[aa]) and regulations

adopted pursuant thereto (12 CFR § 226.32);

(2) any loan or extension thereof or credit; or (3) a loan secured by

real property

Either: (1) home property; or (2) real property

Not specified Nev. Rev. Stat. §§ 598D.100(1)(a),

686A.200 & 691A.030

Nevada Insurance Code

No

Initial Disclosure NV Employee Disclosure

Cx3839 A licensee under 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







Generic Cx Number




Initial Disclosure NV Acknowledgement of Dual Capacity

Cx13030 Either: (1) a mortgage broker mortgage agent

(licensed under Chapter 645B of Nevada’s Revised

Statues) who is also licensed and acting as a real estate broker or salesperson; or (2) a

mortgage banker (licensed under

Chapter 645E) or loan officer who is also

licensed and acts as a real estate broker or

salesperson Both


property

Real property At the time of 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




Nev. Rev. Stat. Ann. § 122A.200

No

Initial Disclosure NV Mortgage Broker Compensation

Disclosure

Cx14279 A mortgage broker, who is licensed under

Chapter 645B of Nevada’s Revised

Statutes Brokers


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






Generic Cx Number




Initial Disclosure NV Commitment Agreement


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


Upon Request An organization (CSO) Brokers


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


Not specified Not specified Nev. Rev. Stat. Ann. § 598.762

No



NMLS Unique Identifier or License Number Disclosed on 1003 Uniform Residential Loan

Application


A mortgage broker, licensed under Chapter

645B of Nevada’s Revised Statutes

Both

A lien on real property

Real property On the application

Nev. Rev. Stat. § 645B.307


Loan Application

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

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








Generic Cx Number





NV Reasonable Means Disclosure


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














Generic Cx Number




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)


Generic Cx Number




Initial Disclosure Advanced Fee/Application Disclosure and



A mortgage banker or a mortgage broker,

who is licensed under Chapter 397 of New Hampshire’s Revised

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


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



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

No

Initial Disclosure NH Disclosure of Payment

Application


A licensee under Chapter 397 of New Hampshire’s Revised

Statutes Both

A mortgage loan A dwelling, real property, or



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






Generic Cx Number






Brokers


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


Brokers


Not specified Not specified N.H. Rev. Stat. Ann. § 359-D:6 Credit Services Regulation Act

Statutory

Adverse Action Statement of 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







A licensee under Chapter 397 of New Hampshire’s Revised

Statutes Both


A dwelling, real property, or



On the application

N.H. Rev. Stat. Ann. § 397-A:6(I)


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









Generic Cx Number




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


Closing NH Water Supply Disclosure


A seller Both



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)


Generic Cx Number




Initial Disclosure NJ Authorization of Overnight

Delivery Services


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




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

Cx3850 A licensee under the New Jersey Residential Mortgage Lending Act

Both

A mortgage loan Property securing a mortgage loan

Not specified N.J. Stat. Ann. § 17:11C-73(d) New Jersey Residential Mortgage

Lending Act

Statutory

Initial Disclosure NJ Notice to Borrower



A 1-to-6 family dwelling which is

(or will be) occupied by a borrower as a

principal dwelling


prior to consummation.

N.J. Stat. Ann. § 46:10B-26(f)

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





Generic Cx Number




Initial Disclosure NJ Commitment Letter


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


N.J. Dept. of Bank.

and Ins., Bulletin 07-12

Initial Disclosure NJ Rate Lock – In Agreement





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

Cx5097 Either: (1) a lender; or (2) a mortgage lender

Both

Either: (1) a loan; or (2) a secondary

mortgage loan

Either: (1) real property; or (2) residential real estate, upon which is (or is

intended to be) constructed a 1-

to-4 family dwelling (as

defined in Section 103[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










Generic Cx Number






Not specified Not specified Not specified Garden State Equal v. Dow, 434

N.J. Super. 163 (Law. Div. 2013)

No

Initial Disclosure Good Faith Estimate 01-01-10 and NJ Disclosure

Form

Cx14221 (Federal)

A lender Both




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


A broker (aka residential mortgage

broker) licensed under the New Jersey

Residential Mortgage Lending Act (N.J. Stat.

Ann. §§ 17:11C-51 through 17:11C-89)

Brokers




to-4 dwelling units

Before accepting any loan

application

N.J. Admin. Code § 3:1-16.10 New Jersey Residential Mortgage

Lending Act

No







A residential mortgage lender, a residential

mortgage broker, or a mortgage loan

originator, who are licensed under the New

Jersey Residential Mortgage Lending Act

Both


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



dwelling

On the application

N.J. Stat. Ann. § 17:11C-72 New

Jersey Residential Mortgage

Lending Act


Loan Application

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

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














Generic Cx Number




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


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)


Generic Cx Number




Initial Disclosure Mortgage Loan Company

Compensation on Initial Truth-in-

Lending Disclosure and


Cx1591 (Federal) &

Cx14221 (Federal)

Either: (1) a mortgage loan company, licensed

under the Mortgage Loan Company Act; or (2) a mortgage loan originator, licensed

under the New Mexico Mortgage Loan


Both





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


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


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

1-to-4 family, borrower-occupied structure



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

Protection Act

Statutory


Disclosure

Cx2783 A licensee under the Mortgage Loan

Company Act (N.M. Stat. Ann. §§ 58-21-1 through 58-21-32)

Both

A mortgage loan A 1-to-4 unit dwelling or

residential real estate upon which

is (or will be) a dwelling

Not specified N.M. Admin. Code 12.19.8.8(D)(2) 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









Generic Cx Number




Initial Disclosure NM Freedom to Choose Insurance

Company


A loan of money secured by 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


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


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



A home loan which refinances another home

loan

Real estate upon which there is (or will be) a 1-to-4

family, borrower-occupied structure

Not specified N.M. Stat. Ann. § 58-21A-4(b) Home Loan

Protection Act

No




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




Generic Cx Number




Initial Disclosure NM Rate Lock Disclosure

Cx14305 or Cx14725 (upon

request)

A mortgage loan company, licensed

under the Mortgage Loan Company Act

Both

A mortgage loan A 1-to-4 unit dwelling or


to be) construction a

dwelling

Not specified N.M. Stat. Ann. § 58-21-31(B) & (F); N.M. Admin. Code

12.19.8.12(A) Mortgage Loan Company Act

New Mexico Rate Lock/Float Disclosure


Mortgage Loan Summary on Good Faith

Estimate 01-01-10 and Initial Truth-

In-Lending Disclosure


Cx14221 (Federal)

Either: (1) a mortgage loan company, licensed

under the Mortgage Loan Company Act; or (2) a mortgage loan originator, licensed

under the New Mexico Loan Originator

Licensing Act Both






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



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

App. H








loan Both


A 1-ot-4 unit dwelling or



On the application

N.M. Stat. Ann. § 58-21B-24




Loan Application



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




















Generic Cx Number





NM Favorable Terms Disclosure

Cx18456 A mortgage loan originator

Both


A 1-ot-4 unit dwelling or



Not specified N.M. Stat. Ann. § 58-21B-20(A)(7)



No





New York (Package Type)


Generic Cx Number




Initial Disclosure NY Lock-in Expiration Notice

Cx1569 A mortgage banker licensed under Article 12-D of the Banking Law or an exempt

organization Lenders

A mortgage loan Residential real property,

improved by a 1-to-4 family,

owner-occupied dwelling

Not less than 12 business days or

more than 20 business days prior to the

commitment expiration.

N.Y. Banking Law § 595-a(3)(c); N.Y. Comp. Codes R. &

Regs. tit. 3, § 38.4(d)

Banking Law

No

Initial Disclosure NY Insurance Disclosure






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

Cx3572 Either: (1) a mortgage lending institution or a

mortgage banker licensed under Article 12-D of the Banking

Law; or (2) an exempt organization

Both

Either: (1) a loan secured by real

property used for residential

purposes; or (2) a mortgage loan

Either: (1) real property used for

residential purposes; or (2) Residential real

property, improved by a 1-

to-4 family, owner-occupied

dwelling

At application N.Y. Banking Law § 9-o(2); 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





Generic Cx Number




Initial Disclosure NY Pre-Application

Disclosure and Fee Agreement

for Licensed Brokers

Cx3587 A mortgage broker, who is registered under

Article 12-D of the Banking Law

Brokers




Prior to taking an application or collecting an

application, credit report, or

property appraisal fee


38.3(a)(1) Banking Law

Pre-Application Disclosure and Fee

Agreement (brokers)

Initial Disclosure NY Interest Rate Lock Commitment


organization Both

A mortgage loan, used to purchase a dwelling or in

which a commitment fee or paints are paid

to the lender




At the time of commitment and

prior to the acceptance of a commitment fee

or points.


38.4(a) Banking Law

New York Interest Rate Lock

Commitment

Initial Disclosure NY High Cost Loan Disclosure

Cx3650 A mortgage broker or a lender, who is either

licensed under Article 12-D of the Banking

Law or who is an exempt organization

Both




At or prior to taking an

application


41.4(a) Banking Law

Administrative

Initial Disclosure NY High Cost Loan Insurance

Disclosure

Cx3673 A broker or a lender, who is either licensed under Article 12-D of the Banking Law or who is an exempt

organization Both





before the loan is closed.


41.5(b)(5) Banking Law

No


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













Generic Cx Number




Initial Disclosure NY High Cost Loan Counseling

Disclosure

Cx3674 A lender or mortgage broker, who are either licensed or registered under Article 12-D of the Banking Law or who are an exempt

organization Both


Real estate improved by a 1-

to-4 family, borrower-occupied structure


N.Y. Banking Law § 6-l(2)(l)(i); N.Y.



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





Prior to acceptance of a

commitment fee, points, or other

discounts


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









Generic Cx Number




Initial Disclosure NY Balloon Payment

Disclosure


Either: (1) a balloon-payment mortgage loan, consisting of a

term of 3 years or more, which is a junior mortgage

with an outstanding balance of

$250,000 or less (including all lien balances); or (2) a balloon-payment mortgage loan,

which is a primary lien, which has a principal amount

of less than $250,000, and which has an

adjustable interest rate

Real property improved by a 1-


residence

Prior to accepting an application

N.Y. Comp. Codes R. & Regs. tit. 3, §§ 80.4(a) & (b)

and 82.6(a) & (b) Banking Law

Administrative






Generic Cx Number




Initial Disclosure NY Lock In Agreement

Cx5099 A mortgage banker, who is licensed under

Article 12-D of the Banking Law or an

exempt organization Lenders





Prior to taking any points or a

lock-in fee


38.6 Banking Law

New York Lock-In Agreement

Initial Disclosure NY Pre-Application

Disclosure for Licensed Bankers



exempt organization, either of whom are

acting in a brokerage capacity Lenders





Prior to taking an application or collecting an

application, credit report, or

appraisal fee


38.3(c)(1) Banking Law

Pre-Application Disclosure and Fee

Agreement (brokers)

Initial Disclosure Junior Lien Disclosure


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














Generic Cx Number




Initial Disclosure NY Application Disclosure



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





Prior to the taking of an application, application fee,

credit report fee, or property

appraisal fee

N.Y. Comp. Codes R. & Regs. tit 3, §



Initial Disclosure

NY Title Insurance Disclosure


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



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


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




Generic Cx Number




Initial Disclosure NY Consumer Caution Notice

Cx12865 A lender or mortgage broker, who are either licensed or registered under Article 12-D of the Banking Law or who are an exempt

organization Both



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.




Initial Disclosure NY Notice to Borrower

Cx12870 A lender or a broker, who is either licensed or registered under Article 12-D of the

Banking Law or who are an exempt organization

Both


Real estate upon which is (or will

be) a 1-to-4 family, borrower-

occupied structure

At application or, if application is

made by telephone, within

3 days after determining the loan is a high-

cost home loan, but no less than 10 days before

closing.


41.4(d) Banking Law

Administrative




N.Y. Dom. Rel. Law § 10-a Domestic

Relations Law

No


Cx14221 (Federal)

A mortgage broker, who is licensed under

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





Generic Cx Number




Initial Disclosure NY Subprime Loan Counseling Disclosure

Cx14482 A lender or mortgage broker, who are

licensed or registered under Article 12-D of the Banking Law or who are an exempt

organization Both

A subprime home loan



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


A FHA mortgage loan correspondent

Both




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


A mortgage broker or mortgage banker

licensed or registered under Article 12-D of

the Banking Law, or an exempt organization

Both




Not specified N.Y. Comp. Codes R. & Regs. tit. 3, §


No


Benefit Worksheet

Cx15773 A lender, who is either a licensed mortgage banker under Article 12-D of the Banking Law or an exempt

organization Both


Real estate upon which there is (or will be) a 1-to-4 family, owner-

occupied structure

Not specified N.Y. Comp. Codes R. & Regs. tit. 3, §


No








Generic Cx Number




Initial Disclosure NY Dual Capacity Disclosure

Cx16585 A mortgage broker, mortgage banker, or

exempt entity acting as a mortgage broker, any of which is also acting as a real estate broker

Brokers




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


A mortgage banker licensed under Article 12-D of the Banking Law or an exempt


A mortgage loan, the proceeds of

which are not for purchasing or construction

purposes and in connection

therewith no commitment fees or points are paid

to the lender prior to closing




At loan approval N.Y. Comp. Codes R. & Regs. tit. 3, §

38.4(b) Banking Law

No


Termination or Charge

Cx15858 (Federal)

Either: (1) a banking organization or

licensed mortgage banker under Article 12-D of the Banking Law which originates

mortgage loans; or (2) a creditor

Both


(2) credit

Real property Not specified N.Y. Banking Law § 6-d; N.Y. Exec. Law § 296-a(4)

Banking Law and Executive Law




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





Generic Cx Number





Various TILA Disclosures

Cx18, Cx1591, and other TILA Disclosures (all

Federal)

A bank, trust company, savings bank, savings and loan association,

credit union, mortgage banker and branch or agency of a foreign banking corporation

licensed under Article 2 of the Banking Law

Both

A mortgage loan, which is a primary lien, which has a principal amount

of less than $250,000, and which has an

adjustable interest rate

Real property, consisting of 1-

to-4 family residences

occupied by the owner

Prior to accepting an application for

a loan

N.Y. Comp. Codes R & Regs. tit. 3, §§

82.6 & 82.9 Banking Law

12 CFR Pt. 1026, App. H


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


Not specified Before a person requests a

consumer report.

N.Y. Gen. Bus. Law § 380-b

Fair Credit Reporting Act

No








loan Both


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


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







Generic Cx Number





Credit Score Disclosure – B-

3/H-3

Cx15312 (Federal)

A banking organization and licensed mortgage

banker under Article 12-D of the Banking Law which originates

mortgage loans Both

A mortgage loan Real property Not specified, but practically after

approving a loan with materially less favorable

terms than normal

N.Y. Banking Law § 6-d

Banking Law

12 CFR Pt. 1022, App. H; 16 CFR Pt. 698, App. B; Form

B-3/H-3



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 §

1026.35(c)(5)(i) (West 2013)

Closing Subprime or High-Cost Home Loan Legend on NY Mortgages


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. R. & Regs. tit. 3, §

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



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




Generic Cx Number




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


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


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

Cx2657 Not specified, but practically a mortgage

investing institution Both

A loan with a real property tax

escrow account


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



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


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)


Generic Cx Number




Initial Disclosure NC Notice of Information


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


Not specified N.C. Gen. Stat. §§ 75-17, 75-18, &

58-57-65

No

Initial Disclosure Right to Choose Attorney



A manufactured home or real

estate with 1-to-4 dwelling units occupied as the


Not specified N.C. Gen. Stat. Ann. § 24-

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

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 Carolina

(Package Type)


Generic Cx Number




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


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.)


No

Initial Disclosure NC Loan Brokerage Agreement and Loan

Origination Disclosure Statement


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




Application


A mortgage loan originator or other

person engaged in the mortgage business

Both






On the application

N.C. Gen. Stat. Ann. § 53-244.107

North Carolina Secure and Fair




Loan Application

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







North Carolina

(Package Type)


Generic Cx Number




Initial Disclosure & Processing

NC Fee Information From Your Mortgage

Broker







In a timely manner

N.C. Gen. Stat. Ann. § 53-244.109(5)

North Carolina Secure and Fair



Model Mortgage Broker Disclosure

Form



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 §

1026.35(c)(5)(i) (West 2013)

Closing NC Tangible Net Benefit Worksheet


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


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)


Generic Cx Number




Initial Disclosure ND VA Loan Applicants Disclosure


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


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


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


Cx15182 (Federal)


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 Dakota

(Package Type)


Generic Cx Number











loan Both


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


Loan Application








Ohio (Package Type)


Generic Cx Number






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


Credit Not specified At application Ohio Rev. Code Ann. § 4112.021(B)(1)(g)

Statutory

Initial Disclosure OH Escrow Account Disclosure

Cx11197 (upon

request)

A licensee or registrant under Chapter 1321,

Title 13 of Ohio’s Revised Code (aka the Mortgage Loan Act)

Lenders

A non-brokered loan secured by a

lien on real property

Real property Not earlier than 3 business days nor

late than 24 hours before

closing

Ohio Rev. Code Ann. § 1321.592(A) &

§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)


Generic Cx Number





Cx14221 (Federal)

A licensee or a registrant under

Chapter 1322, Title 13 of Ohio’s Revised Code

(aka the Mortgage Broker Act)

Both



Section 103 of TILA) or



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






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






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)


Generic Cx Number




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 Revised Code (aka the 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





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


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


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)


Generic Cx Number




Initial Disclosure OH Conflict of Interest Disclosure

Cx13605 (upon

request)

A registrant under the Second Mortgage Loan

Act (Ohio Rev. Code Ann. §§ 1321.51

through 1321.60) Both






dwelling

Prior to furnishing or

placing insurance

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

Second Mortgage Loan Act

No

Initial Disclosure OH Conflict of Interest Disclosure

Upon Request

A registrant under the Small Loan Act

Both


for $5,000 or less





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)









dwelling

At the time the loan is made

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


No


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



Ohio (Package Type)


Generic Cx Number




Initial Disclosure OH Insurance Notice to Applicant

Upon Request


Both


for $5,000 or less





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



Ohio Rev. Code Ann. § 1349.26


Initial Disclosure OH Intent to Build Attestation

Upon Request

Not specified A residential mortgage


Not specified Ohio Rev. Code Ann. § 1322.01(HH)

No


OH Notice of Change in Mortgage Terms

Cx12463 (upon

request)






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


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)


Generic Cx Number





OH Acknowledgement of

Receipt of Home Mortgage Loan Informational

Document



Both

A residential mortgage



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 Revised Code (aka the Mortgage Broker Act),

including people required to be a

registrant or licensee, and a sole proprietor

Both






dwelling

At the time the indebtedness is

incurred

Ohio Rev. Code Ann. § 1322.07(H)

Mortgage Broker Act

No

Closing OH Closing Disclosure



Both

A consumer transaction

connected with a residential mortgage



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)


Generic Cx Number




Closing OH Statutory Authority Disclosure

Cx13536 A registrant under the Second Mortgage Loan








dwelling

With the loan documents

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


No

Closing OH Statutory Authority Disclosure

Upon Request


Both


for $5,000 or less





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 Second Mortgage Loan








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)


Generic Cx Number




Closing OH Optional Credit Insurance

Cx16236 Not specified A loan or credit transaction,

which is generally secured

by a junior lien

Not specified At the time the indebtedness is

incurred

Ohio Rev. Code Ann. § 3918.06(D); Ohio

Admin. Code 3901-1-14(B)(4) & 3901-1-14,

App. I

Administrative



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






Oklahoma (Package Type)


Generic Cx Number





Cx2788 Either: (1) any person who is engaged in the business of insurance;

or (2) a 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


A Subsection 10 mortgage


No later than the time of closing

Okla. Stat. Ann. tit. 14A, § 4-113


Code - Loans

Statutory

Initial Disclosure OK Subsection 10 Mortgage Loan

Disclosure


A Subsection 10 mortgage


Not less than 3 business days


Okla. Stat. Ann. tit. 14A, § 3-

309.4(1) Uniform


Statutory

Initial Disclosure OK Title Protection Notice


A financing for the purchase of property (i.e. a

purchase money mortgage)

Real property which is either

improved property or unimproved

property which is purchased with a construction loan


Okla. Stat. Ann. tit. 46, § 20

No

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









Generic Cx Number




Initial Disclosure Good Faith Estimate 01-01-10 and other Initial

RESPA Disclosures

Cx14221 and other RESPA

Disclosures (all Federal)

A mortgage broker or mortgage loan

originator Both





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


12 CFR Pt. 1024, App.



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.


Not specified Okla. Stat. Ann. tit. 14A, § 3-411


Code - Loans

No



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


No









Generic Cx Number





& 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


12 CFR Pt. 1026, App. G & H


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


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





A licensed mortgage broker or mortgage

loan originator under the Oklahoma Secure and Fair Enforcement

for Mortgage Licensing Act

Both





a dwelling

On the application

Okla. Stat. Ann. tit. 59, § 2095.4

Oklahoma Secure and Fair


Licensing Act


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


Code - Loans

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








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












Oregon (Package Type)


Generic Cx Number

License Type Lender/Broker/Both



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


A real estate loan Residential property, including

multifamily property,

occupied by borrower

Before arranging for prepayments

of taxes, insurance, and similar charges.


No


Cx2778 A depository institution Both


credit

Property Not specified Or. Rev. Stat. Ann. § 746.215

No


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

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


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







Generic Cx Number




Initial Disclosure OR Float or Lock Agreement

Cx4297 A mortgage banker, mortgage broker, or


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

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


Prior to execution of the mortgage

Or. Rev. Stat. Ann. §§ 86.165 &

86.180

No



Not specified Not specified Not specified, but practically with the application


Oregon Family Fairness Act

No

Initial Disclosure OR Conflict of Interest Disclosure


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


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






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








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

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




Generic Cx Number










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

Oregon’s Revised Statutes

Both


Property upon which is a 1-to-4


On the application

Or. Rev. Stat. Ann. § 86A.239


Loan Application


& Closing

Itemization of Amount Financed

01-01-10

Cx14644 (Federal)

A licensee under the Oregon Consumer

Finance Act (Or. Rev. Stat. Ann. §§

725.010 through 725.990)

Both

A loan, which is subject to the

Oregon Consumer

Finance Act (a consumer finance

loan)

Real property At the time each loan is made

Or. Admin. R. 441-730-0240

Oregon Consumer

Finance Act


Closing Prepayment Note Addendum

Cx31 Any person making a loan, including a lender

Both

Loans, including mortgage loans

and loans of more than 3 years secured by a

mortgage

Real property With the loan agreement

Or. Rev. Stat. Ann. §§ 82.160, 82.170,

& 86.150; Or. Admin. R. 441-

870-0040

Partial Statutory


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


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


Statutory

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


















Generic Cx Number





A licensee under the 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

Closing OR Statute of Frauds Disclosure

Cx14718 A financial institution, a consumer finance

company, a mortgage banker Both


credit for a non-consumer purpose

Not specified, but generally does not apply to

residential real property

consisting of 1-to-4 dwelling units, one of which is the borrower’s residence

Not later that the time the loan is initially made.

Or. Rev. Stat. Ann. § 41.580(3)

Statutory







Pennsylvania (Package Type)


Generic Cx Number





Cx2778 Any person, especially a licensed insurance producer under the

Insurance Department who is an employee of a financial institution

Both

A loan Real or personal property

Before or at application

18 Pa. Cons. Stat. Ann. § 7309; 40 Pa. Stat. Ann. § 310.76(a) & (b) The Insurance

Department Act of 1921

No

Initial Disclosure PA High Cost Loan Disclosure


A covered loan, which is a non-

purchase consumer credit

mortgage loan of less than $100,000




63 Pa. Stat. Ann. § 456.512(a)

Statutory

Initial Disclosure PA Application Disclosure

Cx3738 A licensee under the Mortgage Licensing

Act Both


residential real estate


7 Pa. Cons. Stat. Ann. § 6121(10)


No

Initial Disclosure PA Consumer Mortgage

Disclosure Form


A licensee under the Mortgage Licensing Act (7 Pa. Cons. Stat. Ann. §§ 6101 through

6153) or the Consumer Discount Company Act

(7 Pa. Stat. Ann. §§ 6201 through 6219)

Both

A loan (a mortgage loan or a loan involving a

mortgage)



Within 3 business days after

application is received or prepared.

10 Pa. Code § 46.2(b) & (c) 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










Generic Cx Number




Initial Disclosure PA Lock-In Agreement


A licensee under the Mortgage Licensing

Act Lenders



Not specified 7 Pa. Cons. Stat. Ann. §§ 6102, 6121(11) &

6123(7) Mortgage

Licensing Act

No


Cx16488 A mortgage lender Lenders



When the consumer elects to obtain certain

insurances

7 Pa. Cons. Stat. Ann. § 6122(a)(3)


No



Brokers


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

73 Pa. Stat. Ann. §§ 2184 & 2185 Credit Services

Act

No


Brokers


Not specified Not specified 73 Pa. Stat. Ann. § 2186

Credit Services Act

Statutory

Initial Disclosure PA Commitment Agreement


A mortgage lender Lenders


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




Generic Cx Number





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


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


PA Optional Insurance Notice


A covered loan, which is a non-

purchase consumer credit

mortgage loan of less than $100,000


Not later than the time of closing.

63 Pa. Stat. Ann. § 456.512(f)(2)

Statutory


Property Insurance

Consent on Truth-in-Lending Disclosure

On Cx1591, Cx18565 (Federal)

Mortgage lenders Both



Not specified 7 Pa. Cons. Stat. Ann. § 6122(a)(4)


12 CFR Pt. 1026, App. H







A mortgage originator Both



On the application

7 Pa. Cons. Stat. Ann. § 6121(14)



Loan Application

Closing HELOC Agreement – PA

Cx1349 An institution (i.e. a bank or a bank and

trust company) Both


credit

Not specified Not specified, but practically before making the loan

or extending credit

7 Pa. Stat. Ann. § 303(d)

Banking Code of 1965

No













Generic Cx Number




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

73 Pa. Stat. Ann. § 201-7(b) Unfair Trade Practices and Consumer Protection Law

Statutory




Puerto Rico (Package Type)


Generic Cx Number




Initial Disclosure PR Anti-Coercion Insurance Disclosure


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


& Closing

RESPA and TILA Disclosures

Cx18, 14221, and others (all

Federal)

Any person granting loans under the

regulation Both


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








Rhode Island

(Package Type)


Generic Cx Number




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


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


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



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 Island

(Package Type)


Generic Cx Number




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


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


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


A home loan Real estate with a 1-to-4 family


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 Island

(Package Type)


Generic Cx Number




Initial Disclosure RI Home Loan Protection Act

Disclosure





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




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




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 Island

(Package Type)


Generic Cx Number




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


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


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 Island

(Package Type)


Generic Cx Number




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

Not specified Prior to the 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


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



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








Rhode Island

(Package Type)


Generic Cx Number







Application



loan Both


A dwelling (as defined in Section

103[w] of TILA) or residential real

estate upon which is (or Is


On the application

R.I. Gen. Laws § 19-14.10-21

Secure and Fair Enforcement

Mortgage Licensing Act of

2009


Loan Application


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


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 Island

(Package Type)


Generic Cx Number




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


Cx401 (FHA), Cx506, & Cx3064

Not specified Both


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

Cx1028 Not specified, but 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 Island

(Package Type)


Generic Cx Number




Closing RI Nonresident Tax Forms


The buyer Both


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


Not specified An open-end consumer credit

plan


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 Carolina

(Package Type)


Generic Cx Number




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


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 Carolina

(Package Type)


Generic Cx Number



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



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 Carolina

(Package Type)


Generic Cx Number



Initial Disclosure SC Borrower Complaints

Cx4694 A mortgage broker or originator

Both

A mortgage loan, including a consumer home

loan

Real estate with a 1-to-4 family structure that is the borrower’s

principal dwelling


S.C. Code Ann. § 37-23-70(D)

South Carolina High-Cost and

Consumer Home Loans Act

Fee Agreement Sample





Residential Loan Application; All S.C. documents

On Cx4193 (FNMA/FHLMC) and all other S.C.

documents

A licensee under Chapter 22, Title 37 of South Carolina’s Code

Both


consisting of one or more single-family,


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


Loan Application





Residential Loan Application; All S.C. documents


A licensee under Chapter 22, Title 37 of South Carolina’s Code

Both


consisting of one or more single-family,


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


Loan Application






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

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






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





South Carolina

(Package Type)


Generic Cx Number



Closing SC Notice to Cosigners


A consumer loan, which

generally is a junior lien loan

An interest in land

Before or contemporaneously


obligation.

S.C. Code § 37-3-303


Protection Code - Loans

Statutory


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


Protection Code - Loans

12 CFR Pt. 1024, App. MS-2







South Dakota

(Package Type)


Generic Cx Number





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)


Generic Cx Number





Disclosure

Cx2783 A licensee under the Tennessee Residential

Lending, Brokerage and Servicing Act

Both



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


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





Generic Cx Number




Initial Disclosure TN High Cost Notice to Borrower

Cx13071 A lender, including a mortgage loan broker

Both


Real estate upon which is (or will be) located a 1-

to-4, owner-occupied structure



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 mortgage loan broker

Both




No later than 3 business days after a lender receives an application

Tenn. Code Ann. § 45-20-103(21)


Act

No

Initial Disclosure TN Lock-In Agreement


Tennessee Residential Lending, Brokerage and Servicing Act

(Tenn. Code Ann. §§ 45-13-101 through 45-

13-506) Both





dwelling

Not specified Tenn. Comp. R. & Regs. 0180-17-

.01, 0180-17-.04, 0180-17-.05 Tennessee Residential Lending,

Brokerage, and Servicing Act

No


Benefit Worksheet


A lender, including a mortgage loan broker

Both

A high-cost home loan which

refinances, within 30 months, an existing home

loan or high-cost home loan



Not specified Tenn. Code Ann. § 45-20-103(4)


Act

No



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








Generic Cx Number




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


credit, including a residential

mortgage loan

Either: (1) not specified; or (2) a

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


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,


No

Initial Disclosure TN Consent to Disclose Insurance

Information Notice


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


Certification and Authorization


Not specified Not specified Not specified, but 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











Generic Cx Number










A licensed mortgage lender or mortgage

broker under the Tennessee Residential Lending, Brokerage,

and Servicing Act Both





dwelling

On the application

Tenn. Code Ann. § 45-13-303(d)

Tennessee Residential Lending,



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





closing

Tenn. Code Ann. § 45-20-103(19)


Act

Statutory


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


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







Generic Cx Number





A licensee under the Tennessee Residential Lending, Brokerage,

and Servicing Act Both




which is (or is intended to be)

constructed such a dwelling


closing

Tenn. Comp. R. & Regs. 0180-17-.02



12 CFR Pt. 1024, App. A

Closing HUD-1 01-01-10, Tennessee

Promissory Note, and Tennessee

Security Instrument


others

A party to the loan Both

A loan not otherwise subject

to Tenn. Code Ann. § 47-14-

113(a)


closing

Tenn. Code Ann. § 47-14-113(d)

12 CFR Pt. 1024, App. A


Cx17905 (Federal)

A transferor of servicing rights

Both





dwelling

At least 10 calendar days before the first

payment affected by the notice is

due

Tenn. Comp. R. & Regs. 0180-17-.03


Brokerage, and Servicing Act

12 CFR Pt. 1024, App. MS-2










Texas (Package Type)


Generic Cx Number





Cx2778 A depository institution Lenders


credit

Property Not specified Tex. Ins. Code Ann. § 556.051

No


Disclosure

Cx2783 A residential mortgage loan

originator sponsored by a licensed or

registered residential mortgage loan

company under the Residential Mortgage

Loan Company Licensing and

Registration Act Both


A dwelling (as defined by


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

Residential Mortgage Loan Originator

License Act Lenders






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



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





Generic Cx Number




Initial Disclosure Disclosure of Multiple Roles in a Consumer Real

Estate Transaction

Cx3581 A licensed or registered residential

mortgage loan company under the

Residential Mortgage Loan Company Licensing and

Registration Act, who also acts as either a real estate broker,

salesperson, or attorney

Both






constructed

Before acting in a dual capacity

Tex. Fin. Code § 156.303(a)(13) Mortgage Loan

Company Licensing and

Registration Act

Disclosure of Multiple Roles

Initial Disclosure TX Important Notice to Home Loan Borrowers


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




Generic Cx Number




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



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



company under the Mortgage Loan

Company Licensing and Registration Act

Both






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


Registration Act

Mortgage Company - Required Disclosure Form

Initial Disclosure TX Disclosure Statement

Required for Residential

Construction


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












Generic Cx Number




Initial Disclosure TX Notice Concerning

Extensions of Credit


A 50(a)(6) equity loan and

a 50(f)(2) conversion

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


A licensee under Chapter 342, Title 4 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


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,


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




Generic Cx Number





Conditional Approval Letter

(Form B)


A residential mortgage loan originator or a

mortgage banker licensed or registered under the Mortgage


Registration Act and the Texas Secure and Fair Enforcement for Mortgage Licensing Act of 2009 (Tex. Fin.

Code §§ 180.001 through 180.252)

Both






constructed


when an application is approved on the basis of

credit worthiness but

not on collateral


Code § 81.201(b) Mortgage Loan


Registration Act and Mortgage

Bank Registration and



Mortgage Banker - Conditional Approval Letter [Form B]

Initial Disclosure TX Mortgage Company

Conditional Approval Letter

(Form B)







Both






constructed


when an application is approved on the basis of

credit worthiness but

not on collateral


Code § 80.201(b) Mortgage Loan


Registration Act

Mortgage Company - Conditional Approval Letter [Form B]












Generic Cx Number





Conditional Qualification

Letter (Form A)


A residential mortgage loan originator or a

mortgage banker licensed or registered under the Mortgage


Registration Act and the Texas Secure and Fair Enforcement for Mortgage Licensing Act of 2009 (Tex. Fin.

Code §§ 180.001 through 180.252)

Both






constructed


when a conditional

qualification is established


Code § 81.201(a) Mortgage Loan






Mortgage Banker - Conditional Qualification Letter [Form A]

Initial Disclosure TX Mortgage Company

Conditional Qualification

Letter (Form A)







Both






constructed


when a conditional

qualification is established


Code § 80.201(a) Mortgage Loan


Registration Act

Mortgage Company - Conditional Qualification Letter [Form A]












Generic Cx Number















Both






dwelling

On the application

7 Tex. Admin. Code §

153.45(4)(b) Mortgage Loan






FNMA 1003 Form - Uniform Residential Loan Application

Closing Truth-in-Lending Disclosure and

Truth-in-Lending Total Payments

Itemization

Cx18 & Cx15444 (both

Federal)

A lender Both

A loan under Chapter 342,


loan)


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


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

https://texreg.sos.state.tx.us/public/readtac$ext.TacPage?sl=R&app=9&p_dir=&p_rloc=&p_tloc=&p_ploc=&pg=1&p_tac=&ti=7&pt=8&ch=153&rl=45













Generic Cx Number




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



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


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

Closing TX Affidavit of Reasonable

Costs on Homestead

Property Refinance


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






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







Generic Cx Number




Closing TX Home Equity 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 and

a 50(f)(2) conversion

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

Closing TX Home Equity Discount Point

Acknowledgment



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


A take-out loan A single dwelling home

At closing Texas Veterans’ Land Board

Take-Out Loans Affidavit Post-Interim Financing

Closing TX Home Equity Election Not to

Rescind



A homestead At closing Tex. Const. Art. 16, §

50(a)(6)(Q)(viii); 7 Tex. Admin. Code § 153.25

No






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

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






Generic Cx Number




Closing TX Notice of Penalties for

Making False or Misleading Statements

Cx12309 Either: (1) a lender, mortgage banker, or licensed mortgage

broker; (2) a licensee under the Residential

Mortgage Loan Company Licensing and Registration Act

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

licensee under the Mortgage Banker Registration and

Residential Mortgage Loan Originator Act (Tex. Fin. Code §§ 157.001 through

157.031) Both

Either: (1) a home loan; or


Either: (1) a manufactured home or real



borrower’s principal

residence; or (2) a dwelling (defined by


residential real estate which has or shall

have a dwelling

At closing Tex. Fin. Code § 343.105; 7 Tex. Admin. Code §§

80.204(b)(1)(E) & 81.204(b)(1)(E)





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






Generic Cx Number




Closing Spanish Truth-in-Lending

Disclosure

Cx14389 (Spanish)

A licensee under Chapter 342, Title 4 of Texas’ Finance

Code Both

A loan under Chapter 342,


loan) or a home equity

loan regulated by the Texas

Office of Consumer

Credit Commissioner


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

registered under the Mortgage Banker Registration and

Residential Mortgage Loan Originator

License Act, who is a loan originator; or (2)

a registrant under the Residential Mortgage Loan

Servicer Registration Act

Both


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




and Residential

Mortgage Loan Servicer

Registration Act

Statutory

Required Disclosure Statement






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



Utah (Package Type)


Generic Cx Number





Cx2778 A person, including one both authorized

to engage in insurance activities and who

extends credit Both


Not specified At the time of written

application or, if there is no written

application, before closing

Utah Code Ann. §§ 31A-23a-402(5)

& 31A-23a-416

Partial Statutory


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

Not specified At the time of 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)


Generic Cx Number




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



Utah Code Ann. § 61-2d-105(1) &

(2) Utah High Cost Home Loan Act

Statutory

Initial Disclosure and TILA

Redisclosure


Cx17903 A person transacting the business of

residential mortgage 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


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


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)


Generic Cx Number




Closing UT Disclosure of Servicer


A mortgage loan of more than two

years

Not specified At the time of closing

Utah Code Ann. § 70D-2-303(1)


No

Closing UT Re-Disclosure Certification


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



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)


12 CFR Pt. 1024, App. MS-2






Utah (Package Type)


Generic Cx Number




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)


Generic Cx Number







credit

Not specified Not specified Vt. Stat. Ann. tit. 8, § 4725

No

Initial Disclosure VT Broker/Prospective

Borrower Agreement


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


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.


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


Initial Disclosure VT Mortgage Loan Commitment Agreement


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







Generic Cx Number




Initial Disclosure VT Application Capacity Notice


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



application

Vt. Stat. Ann. tit. 15, § 1204; Dept.

of Banking, Insurance,

Securities, and Health Care

Administration Bulletin No. 23

BUL-B-23


Certification and Authorization

Cx13 (Federal) A person obtaining a credit report

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


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









Generic Cx Number





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)


Generic Cx Number




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


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

A mortgage loan 1-to-4 family 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




Generic Cx Number





Cx3841 A broker licensed under Chapter 16,

Subtitle III, Title 6.2 of Virginia’s Code (aka

the Mortgage Lender and Broker Act)

Brokers


Not specified Va. Code Ann. § 6.2-1616(B)(4); VA

Admin. Ruling 1607

No

Initial Disclosure VA Choice of Settlement Agent

Notice


Transactions involving the

purchase of the security of real

estate

Real estate containing 1-to-4


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



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









Generic Cx Number






A mortgage lender or mortgage broker

licensed under Chapter 16, Subtitle III, Title 6.2 of Virginia’s Code (aka the Mortgage Lender

and Broker Act) Both


within 12 months of its origination

date


Not specified Va. Code Ann. § 6.2-1614(7) “Mortgage Lender and Broker Act”

No

Initial Disclosure VA Lock-In Agreement

Cx14674 A mortgage lender or mortgage broker

licensed under Chapter 16, Subtitle III, Title 6.2

(aka the Mortgage Lender and Broker Act)

Both


Not specified 10 Va. Admin. Code §§ 5-160-10

& 5-160-30(B)

No

Initial Disclosure VA Mortgage Loan

Commitment Agreement

Cx14686 A mortgage broker or mortgage lender

licensed under Chapter 16, Subtitle III, Title 6.2

(aka the Mortgage Lender and Broker Act)

Both


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


Not specified, but practically a loan for the purchase of residential real

property


consisting of 1-to-4 dwelling

units


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




Generic Cx Number




Initial Disclosure Notice of Right to Receive Copy of Appraisal Report

Cx17903 or Cx17904 (both

Federal)

A lender Both

A loan Residential real estate

Not specified Va. Code Ann. § 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


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








Generic Cx Number






Brokers


Not specified Before the 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


Brokers


Not specified Not specified Va. Code Ann. § 59.1-335.8

Virginia Credit Services

Businesses Act

Statutory


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




Generic Cx Number





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


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







A licensee under Chapter 16, Subtitle III, Title 6.2 of Virginia’s

Code (aka the Mortgage Lender and

Broker Act) Both


A 1-to-4 family unit dwelling or residential real



a dwelling, including

individual condo or coop units

On the application

10 Va. Admin. Code § 5-160-

20(8)


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



Not specified, but practically prior

to the recordation of any instrument

Va. Code Ann. §§ 55-525.11(iii) & 55-525.24(A)(2)

No

















Generic Cx Number




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


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


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


Va. Code Ann. § 55-58.3

Statutory

FNMA Form 3047 – Virginia Deed of

Trust

















Generic Cx Number




Closing Credit Line Caption on

HELOC Deed of Trust – VA


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



On the settlement statement

Va. Code Ann. §§ 55-525.14 and

55-525.24(B)(2) & (E)

12 CFR Pt. 1024, App. A


Cx17905 (Federal)

A transferor (aka a licensee under Chapter 16, Subtitle III, Title 6.2

of Virginia’s Code) Both


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)


Generic Cx Number




Initial Disclosure WA Broker Application

Disclosure, and RESPA and TILA

Disclosures

Cx1591, Cx2655, & Cx14221

Either: (1) a mortgage broker; or (2) an entity

subject to the Washington Consumer

Loan Act Brokers


A dwelling (including

condos, coops, mobile or

manufactured homes, or a

trailer) or residential real



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


Cx2778 Every person who lends money or

extends credit and who solicits insurance

Lenders


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



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




Generic Cx Number




Initial Disclosure WA Interest Rate Lock Agreement and Good Faith Estimate 01-01-

10


Either: (1) a mortgage broker, loan originator,

or lender; or (2) someone subject to the Washington Consumer

Loan Act Both








dwelling

No less than 3 business days after

locking the fee

Wash. Rev. Code Ann. § 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


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








dwelling

When acting in a dual capacity

Wash. Admin. Code §§ 208-620-700(3) & 208-

660-300(7) Mortgage Broker Practices Act and


Statutory and Administrative

Initial Disclosure WA Disclosure Receipt

Cx3747 A licensee under the Washington Consumer

Loan Act Both

A loan Real property Not specified Wash. Admin. Code § 208-620-510(2)


No







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

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








Generic Cx Number





Cx3841 A loan originator or mortgage broker

subject to the Mortgage Broker

Practices Act Brokers








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


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)


No



Not specified Not specified Not specified, but practically with the

application

Wash. Rev. Code Ann. §§ 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




Generic Cx Number




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


mortgage loan; or (2) a

consumer loan

Either: (1) residential real property upon which is (or is


to-4 unit dwelling, which

is either an owner-occupied

primary residence or a

second home; (2) real property; or

(3) a dwelling (including






dwelling

Within 3 business days following

receipt of a loan application.

Wash. Rev. Code Ann. § 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












Generic Cx Number




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


A mortgage broker or loan originator on

behalf of a mortgage broker Brokers


Residential real estate upon


dwelling (including



trailer)

No less than three business days prior

to the signing of the loan closing

documents

Wash. Rev. Code Ann. § 19.146.030(4); Wash. Admin. Code §§ 208-660-430(11) & (12),

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

500(11)(b) Mortgage Broker

Practices Act

No

Initial Disclosure WA Loan Commitment



credit, in connection with

the solicitation of property insurance

Property Before a person solicits property

insurance

Wash. Rev. Code Ann. § 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











Generic Cx Number




Initial Disclosure WA Optional Insurance Disclosure


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)


No

Initial Disclosure WA Alternative Mortgage Loan

Product Disclosure


Either: (1) a person 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


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


Not specified Not specified Wash Rev. Code Ann. § 19.146.040

No



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




Generic Cx Number






Disclosures on the 1003 Uniform Residential Loan

Application

Cx4193 (FNMA/FHLMC)

A mortgage loan originator

Both








dwelling

On the loan application

Wash. Rev. Code Ann. §31.04.284; Wash.

Admin. Code §§ 208-620-710(24) & (25)(d) and 208-660-350(24)

& (25)(d) Mortgage Broker Practices Act and

Washington Broker Practices Act

FNMA Form 1003


& Closing

First Lien Appraisal

Waiver/Receipt Form

Cx18183 (Federal)

A lender Both

A purchase money


A 1-to-4 unit dwelling on


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

Wash. Rev. Code Ann. § 61.10.020(1)

None

Closing Disclosure on HELOC

Agreement – WA and HELOC Deed

of Trust – WA

Cx1366 & Cx1367

A licensee under the Washington Consumer

Loan Act Both

An open-end loan

Real property On the credit agreement (closing)

Wash. Rev. Code Ann. § 31.04.115(1) & (7)


None













Generic Cx Number




Closing WA Oral Agreement

Notice



credit

Not specified In or with documents

relating to the credit agreement

(closing)

Wash. Rev. Code Ann. § 19.36.140

Statutory


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

Wash. Rev. Code Ann. § 19.148.030(1)

12 CFR Pt. 1024, App. MS-2







West Virginia

(Package Type)


Generic Cx Number






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

Residential Mortgage Lender, Broker, and Servicer Act or the West Virginia SAFE Mortgage Licensing

Act (W.Va. Code Ann. §§ 31-17A-1 through

31-17A-20), or a regulated consumer

lender Both

A primary mortgage loan or

a subordinate mortgage loan, or a consumer loan



which is constructed a

dwelling, or land

Not specified W. Va. Code Ann. §§ 31-17-8(d) &

46A-4-111(2) West Virginia Residential

Mortgage Lender, Broker, and Servicer Act

and West Virginia


Act

Tangible Net Benefit Worksheet

Initial Disclosure West Virginia Fees and Services Disclosure


A credit services organization

Brokers


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 Virginia

(Package Type)


Generic Cx Number




Initial Disclosure Credit Services Organization Contract and

Notice of Cancellation

UR A credit services organization

Brokers


Not specified Not specified, but practically before engaging in credit

services

W.Va. Code Ann. § 46A-6C-7

West Virginia Consumer Credit and Protection

Act

Mostly Statutory








loan Both





dwelling


W. Va. Code Ann. § 31-17A-18 West Virginia

SAFE Mortgage Licensing Act


Loan Application

Closing Truth-in-Lending Disclosure and

Truth-in-Lending Total Payments

Itemization

Cx18 and other closing TILs and

Cx15444 (all Federal)

A licensee under either the West Virginia

Residential Mortgage Lender, Broker, and Servicer Act or the West Virginia SAFE Mortgage Licensing

Act (W.Va. Code Ann. §§ 31-17A-1 through 31-17A-20), or any person making a mortgage loan

Both

A primary mortgage loan or

a subordinate mortgage loan




dwelling

At the time of closing

W. Va. Code Ann. § 31-17-9(a) West Virginia Residential

Mortgage Lender, Broker, and Servicer Act


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 Virginia

(Package Type)


Generic Cx Number




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


Act

No

Closing WV Collateral Protection Insurance Disclosure

Cx1000 A creditor, who is an institution insured by

either the FDIC or NCUA Both


Collateral, which includes real

property

With the credit agreement (closing)

W. Va. Code Ann. § 46A-3-

109a(b)(3) West Virginia


Act

Statutory

Closing WV Notice to Cosigners


A consumer loan Land Before a cosigner signs any

instrument evidencing the

transaction.

W. Va. Code Ann. § 46A-2-104 West Virginia


Act

Statutory

Closing WV Assessment of Borrower’s Ability

to Repay


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)


Generic Cx Number





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


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

Initial Disclosure WI Adjustable Rate Mortgage

Information Statement


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

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





Generic Cx Number







Wis. Stat. Ann. §§ 770.001 through

770.18

No


& WI Loan Commitment


Cx15918

Either: (1) a lender; or (2) a licensed mortgage banker, mortgage loan originator, or mortgage

broker under Subchapter III, Chapter

224 Both



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

Cx14546 A mortgage broker licensed under

Subchapter III, Chapter 224

Brokers





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

Initial Disclosure WI Mortgage Broker Agreement

Cx14547 Either: (1) a mortgage broker licensed under Subchapter III, Chapter 224; or (2) a mortgage banker, mortgage loan originator, or mortgage

broker Brokers





to be constructed)


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

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

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






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












Generic Cx Number





Benefit Worksheet


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


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



Cx15858 (Federal)

A bank, credit union, savings bank, savings

and loan association, or mortgage banker

Both

A loan, which is a primary lien


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


WI Property Tax Escrow Option

Cx1023 A bank, credit union, savings bank, savings

and loan association, or mortgage banker

Both

A loan, which is a primary lien


principal residence

Before closing Wis. Stat. Ann. § 138.052(5)(am), (5)(b), & (5m)(b)

No

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










Generic Cx Number











loan Both





to be constructed)

On the application

Wis. Stat. Ann. § 224.73(4)(a) & (b)


Loan Application


WI ARM Prepayment

Penalty Notice


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


WI Addendum to Loan Application


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

Wis. Stat. Ann. §§ 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








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







Generic Cx Number





WI Covered Loan Disclosure to

Borrower


A covered loan Residential real 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


Closing Construction Notice on Security

Instruments

Cx358 (FNMA/FHLMC),

Cx411 (FHA), Cx515, and

Cx1353

Not specified Both

A construction mortgage

Land Not specified, but 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

Closing Notice to Spouse of Extension of

Credit by Copy of WI Mortgage

Second & HELOC Mortgage - WI

Cx515 & Cx1353

A creditor Both


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


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









Generic Cx Number




Closing WI Explanation of Personal

Obligation



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

Wis. Stat. Ann. §§ 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)


Generic Cx Number





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

Initial Disclosure Enhanced Prepayment Penalty

Disclosure

Cx12389 A licensee under the Wyoming Residential

Mortgage Practices Act Both


which is a primary lien


containing 1-to-4 family units,

including condos, coops, mobile homes, and trailers) or



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

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








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




Generic Cx Number




Initial Disclosure WY Mortgage Broker Agreement

Cx13452 A licensee under the Wyoming Residential

Mortgage Practices Act (document must be signed by a licensed

mortgage broker under this Act) Brokers








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

Initial Disclosure Good Faith Estimate 01-01-10 and WY

Notice and Explanation of Fee

Increase

Cx14221 (Federal) &

Cx16634

A licensee under the Wyoming Residential









dwelling


prior to closing


113(e)(ii)& 40-23-114(d)(ii)


Practices Act

12 CFR Pt. 1024, App. C










Generic Cx Number




Initial Disclosure WY Commitment/Lock-in

Agreement

Cx15904 A licensee under the Wyoming Residential Mortgage Practices

Act, but only a mortgage lender can

execute it Both








dwelling

Not specified Wyo. Stat. Ann. §§ 40-23-115(a) & 40-23-117(x)


Practices Act

No



A consumer loan, which is

generally a junior lien with a

finance charge exceeding 18%

Land or a dwelling



trailers)

Not specified, but practically before charges for additional insurances are

made

Wyo. Stat. Ann. § 40-14-311(b)(i) &

(ii) Uniform


No








Generic Cx Number




TILA Redisclosure, Redisclosure, Pre-

Closing

WY Notice and Explanation of Fee

Increase

Cx16634 (Non-TRiD Loans) & Cx19752 (TRiD

Loans)

A licensee under the Wyoming Residential









dwelling


prior to closing


113(e)(ii)& 40-23-114(d)(ii)


Practices Act

No


& Closing

All RESPA and TILA Disclosures

Cx18, Cx1591, and all other

RESPA and TILA Disclosures (all

Federal)

Either: (1) a person regularly engaged in

the business of making loans; or (2) a licensee under the Wyoming

Residential Mortgage Practices Act

Both

Either: (1) a consumer loan;


mortgage loan, which is a

primary lien

Either: (1) Land or a dwelling



trailers); or (2) such a dwelling

or residential real estate upon


dwelling.

Various times Wyo. Stat. Ann. §§ 40-14-320, 40-

23-113(a)(i), & 40-23-114(b)


Code – Loans and Wyoming


Practices Act

12 CFR Pt. 1024, App.

12 CFR Pt. 1026,

App. G & H















Generic Cx Number







Application



loan Both



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



primary lien

Either: (1) Land or a dwelling



trailers); or (2) residential real



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


Loan Application

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


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






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