View
10
Download
0
Category
Preview:
Citation preview
Property of Docutech, LLC Page 1 Version 18.03
STATE DISCLOSURES
Legal Disclaimer: This table was compiled for informational and reference purposes only. It does not constitute, nor should it be used as a substitute for, legal
advice. No warranty, either expressed or implied, is attached in any regard to this table. Any reproduction, distribution, sharing, or modification of this table without
the express written permission of an authorized agent of Docutech, LLC is prohibited.
Last Updated: March, 2018
Property of Docutech, LLC Page 2 Version 18.03
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.
Property of Docutech, LLC Page 3 Version 18.03
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
Property of Docutech, LLC Page 4 Version 18.03
Click here for Table of Contents
Alabama (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Anti-Coercion
Insurance
Disclosure
Cx2778 A creditor licensed
under the Alabama
“Mini-Code”
Both
A consumer
credit transaction
(aka a consumer
loan)
Property in which
the creditor is
given a security
interest
Not specified Ala. Code § 5-
19-20(e)
Alabama “Mini-
Code”
No
Initial Disclosure
AL Mortgage
Broker Agreement
Cx4068 A licensee under the
Mortgage Brokers
Licensing Act
Brokers
A mortgage loan 1- to 4- family
residential real
estate
Prior to the
collection of a
mortgage broker
fee
Ala. Code § 5-
25-12(a)(1)
Mortgage
Brokers Licensing
Act
No
Initial Disclosure AL Commitment
Agreement
Cx17166 (upon
request)
A lender
Both
A mortgage loan 1-to-4 family
residential real
estate
Before a
mortgage broker
collects any
mortgage broker
fees
Ala. Code §§ 5-
25-2(2) and 5-25-
12(b)(3) & (b)(5)
Mortgage
Brokers Licensing
Act
No
Initial Disclosure,
Processing,
Underwriting, &
Closing
NMLS Unique
Identifier Disclosed
on 1003 Uniform
Residential Loan
Application
On Cx4193
(FNMA/FHLMC)
Any person originating
a residential mortgage
loan
Both
A residential
mortgage loan
A dwelling (as
defined in
Section 103[w] of
TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling.
On the
application
Ala. Code § 5-
26-20
Alabama S.A.F.E.
Mortgage
Licensing Act of
2009
FNMA 1003 Form -
Uniform Residential
Loan Application
Property of Docutech, LLC Page 5 Version 18.03
Alabama (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Closing Caution Notice in
3200, FHA, and VA
3200 Note Fixed,
Fixed Rate Note
Alabama Second,
and other Notes
On Cx5
(FNMA/FHLMC),
Cx36 (FHA),
Cx58, Cx1033
and other
Notes
A creditor licensed
under the Alabama
“Mini-Code”
Both
A consumer
credit transaction
(aka a consumer
loan)
Property in which
the creditor is
given a security
interest
At closing Ala. Code § 5-
19-6(a)
Alabama “Mini-
Code”
Statutory
FNMA Form 3200 –
Multistate Fixed-
Rate Note
Closing AL FHA Addendum
to Wood
Infestation
Inspection Report
Cx1260 (upon
request)
Not specified
Both
Not specified Property Not specified Ala. Admin. Code
r. 80-10-9-.18
No
Click here for Table of Contents
Property of Docutech, LLC Page 6 Version 18.03
Click here for Table of Contents
Alaska (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure AK Anti-Coercion
Insurance
Disclosure
Cx3842 Either: (1) a creditor or
lender; or (2) a person
Both
Either: (1) a debt
or loan; or (2) a
loan of money or
extension of
credit
Either: (1) real or
personal property
of every kind and
of every interest
therein; or (2)
property
Not specified Alaska Stat. §§
21.36.160 &
21.36.319
No
Initial Disclosure Tangible Net
Benefit Worksheet
Cx12531 (upon
request)
A “covered person,”
who is either licensed
under the Alaska
Secure and Fair
Enforcement for
Mortgage Licensing
Act of 2010 or the
Alaska Small Loans Act
(Alaska Stat. §§
06.20.010 through
06.20.920))
Both
A refinance of a
mortgage loan
(aka a residential
mortgage loan)
A dwelling (a
residential
structure
containing 1-to-4
family housing
units, or a condo
or coop) or
residential real
estate, upon
which a dwelling
is (or is intended
to be)
constructed,
including affixed
manufactured
homes
Not specified Alaska Stat. §
06.60.350
Alaska Secure and
Fair Enforcement
for Mortgage
Licensing Act of
2010
No
Property of Docutech, LLC Page 7 Version 18.03
Alaska (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure AK Consumer
Credit Insurance
Disclosure
Cx17164 (upon
request)
A creditor
Lenders
A credit
transaction, of an
amount of
$30,000 or less,
which is not
secured by a first
lien and which is
not made to
finance the
purpose of real
property, the
construction of a
dwelling, or a
refinance of either
of these.
Not specified Not specified Alaska Stat. §
21.57.120
No
Property of Docutech, LLC Page 8 Version 18.03
Alaska (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure AK Commitment
Agreement
Cx17686 (upon
request)
Either: (1) a licensee
under the Alaska
Secure and Fair
Enforcement for
Mortgage Licensing
Act of 2010; or (2) a
licensee under the
Alaska Small Loans Act
(Alaska Stat. §§
06.20.010 through
06.20.920)
Both
A mortgage loan
transaction (aka a
residential
mortgage loan)
A dwelling (a
residential
structure
containing 1-to-4
family housing
units, or a condo
or coop) or
residential real
estate, upon
which a dwelling
is (or is intended
to be)
constructed,
including affixed
manufactured
homes
Not specified Alaska Stat. §
06.60.340(19) &
(22)
Alaska Secure and
Fair Enforcement
for Mortgage
Licensing Act of
2010
No
Initial Disclosure AK Depository
Institution
Insurance
Disclosure
Cx17687 (upon
request)
A financial institution,
which sells insurance
Both
An extension of
credit
Not specified At the time of
application for
the extension of
credit
Alaska Stat. §
21.36.323
No
Property of Docutech, LLC Page 9 Version 18.03
Alaska (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure,
TILA Redisclosure,
and Closing
All Federal
Disclosures
Cx18, 14221,
14222, & Others
(Federal)
A person subject to the
Alaska Secure and Fair
Enforcement for
Mortgage Licensing
Act of 2010
A mortgage loan
(aka a residential
mortgage loan)
A dwelling (a
residential
structure
containing 1-to-4
family housing
units, or a condo
or coop) or
residential real
estate, upon
which a dwelling
is (or is intended
to be)
constructed,
including affixed
manufactured
homes
Various Alaska Stat. §
06.60.330
Alaska Secure and
Fair Enforcement
for Mortgage
Licensing Act of
2010
12 CFR Pt. 1024
App.
12 CFR Pt. 1026,
App.
Property of Docutech, LLC Page 10 Version 18.03
Alaska (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure,
Processing,
Underwriting, and
Closing
NMLS Unique
Identifier
Disclosed on 1003
Uniform
Residential Loan
Application
Cx4193
(FNMA/FHLMC)
A person operating as
a mortgage lender,
mortgage broker, or
mortgage loan
originator
Both
A residential
mortgage loan
A dwelling (a
residential
structure
containing 1-to-4
family housing
units, or a condo
or coop) or
residential real
estate, upon
which a dwelling
is (or is intended
to be)
constructed,
including affixed
manufactured
homes
On the
application
Alaska Stat. §
06.60.325
Alaska Secure and
Fair Enforcement
for Mortgage
Licensing Act of
2010
FNMA 1003 Form -
Uniform Residential
Loan Application
Closing Notice of Suit in
3200, FHA, and VA
3200 Note Fixed,
Fixed Rate Note
Alaska Second,
and other Notes
Cx5
(FNMA/FHLMC),
Cx36 (FHA),
Cx58, Cx1032,
and other Notes
A lender
Both
An obligation
secured by a
mortgage or deed
of trust
Not specified On the
promissory note
Alaska Stat. §
34.20.160
Statutory
FNMA Form 3200 –
Multistate Fixed-
Rate Note
Closing TILA HELOC
Disclosures in AK
Open-End Loan
Agreement
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
Property of Docutech, LLC Page 11 Version 18.03
Alaska (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Closing AK Loan
Statement
Cx14786 A licensee under the
Alaska Small Loans Act
Both
A small loan
which has a
principal amount
of $25,000 or less
and which has a
greater rate of
interest than
otherwise
permitted under
the Small Loans
Act
Not specified At the time the
loan is made
Alaska Stat. §
06.20.270
Alaska Small
Loans Act
No
Closing Alaska Escrow
Account
Agreement
Cx16005
(upon request)
A “covered person,”
who is either licensed
under the Alaska
Secure and Fair
Enforcement for
Mortgage Licensing
Act of 2010 or the
Alaska Small Loans Act
(Alaska Stat. §§
06.20.010 through
06.20.920)
Both
A refinance of a
mortgage loan
(aka a residential
mortgage loan)
A dwelling (a
residential
structure
containing 1-to-4
family housing
units, or a condo
or coop) or
residential real
estate, upon
which a dwelling
is (or is intended
to be)
constructed,
including affixed
manufactured
homes
Not specified Alaska Stat. §
06.60.360
Alaska Secure and
Fair Enforcement
for Mortgage
Licensing Act of
2010
No
Click here for Table of Contents
Property of Docutech, LLC Page 12 Version 18.03
Click here for Table of Contents
Arizona (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure AZ Authorization
to Complete Blank
Spaces
Cx2779 Either: (1) a mortgage
broker licensed under
Article 1, Chapter 9,
Title 6 of Arizona’s
Revised Statutes; or (2)
a mortgage banker
licensed under Article 2
of the same Chapter
Both
A mortgage
banking loan or a
mortgage loan
Real estate Closing Ariz. Rev. Stat.
Ann. §§ 6-909(A)
& 6-947(A); Ariz.
Admin. Code R20-
4-921 & R20-4-
1808
Administrative
Initial Disclosure Advanced
Fee/Application
Disclosure and
Good Faith
Estimate 01-01-10
Cx2783 and
Cx14221
(Federal)
Either: (1) a mortgage
broker licensed under
Article 1, Chapter 9,
Title 6 of Arizona’s
Revised Statutes; or (2)
a mortgage banker
licensed under Article 2
of the same Chapter
Both
Either: (1) a
mortgage loan of
$200,000 or less;
or (2) a mortgage
banking loan or
mortgage loan
Real estate Before accepting
any monies or
documents in
connection with
an application or
before collecting
any other advance
fee
Ariz. Rev. Stat.
Ann. §§ 6-906(c),
6-909(k), & 6-
946(c)
12 CFR Pt. 1024,
App. C
Property of Docutech, LLC Page 13 Version 18.03
Arizona (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Anti-Coercion
Insurance
Disclosure
Cx2788 Either: (1) a mortgage
broker licensed under
Article 1, Chapter 9,
Title 6 of Arizona’s
Revised Statutes; (2) a
mortgage banker
licensed under Article 2
of the same Chapter;
(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
Property of Docutech, LLC Page 14 Version 18.03
Arizona (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Disclosure of
Multiple Roles in a
Consumer Real
Estate Transaction
Cx3581 Either: (1) a mortgage
broker licensed under
Article 1, Chapter 9,
Title 6 of Arizona’s
Revised Statutes, who
also renders services as
a real estate broker or
salesman; (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
Property of Docutech, LLC Page 15 Version 18.03
Arizona (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure AZ Consumer
Credit Insurance
Disclosure
UR A creditor
Lenders
A loan or credit
transaction, with a
term of 15 years
or less and which
is not secured as
a first lien and
made to finance
the purchase of
real property,
construction of a
dwelling, or
refinance either of
these.
Not specified Before the loan
transaction is
completed
Ariz. Rev. Stat.
Ann. § 20-1614;
Ariz. Admin. Code
§ 20-6-
604.01(a)(2)
No
Initial Disclosure CSO Information
Statement
UR A credit services
organization (CSO)
Brokers
An extension of
credit for
consumer
purposes
Not specified Before execution
of a contract
between the CSO
and the buyer or
before receipt by
the CSO of any
consideration,
whichever comes
first
Ariz. Rev. Stat.
Ann. §§ 44-1704
& 44-1705
No
Initial Disclosure CSO Contract UR A credit services
organization (CSO)
Brokers
An extension of
credit for
consumer
purposes
Not specified Not specified Ariz. Rev. Stat.
Ann. § 44-1706
Partial Statutory
Property of Docutech, LLC Page 16 Version 18.03
Arizona (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
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
Revised Statutes; or (2)
a mortgage banker
licensed under Article 2
of the same Chapter
Both
A mortgage loan
or a mortgage
banking loan
Residential real
property designed
principally for 1-
to-4 families
Before closing Ariz. Rev. Stat.
Ann. §§ 6-906(D)
& 6-946(E)
12 CFR Pt. 1024,
App. & Pt. 1026,
App. G & H
Initial Disclosure &
Adverse Action
Appraisal
Disclosure
Cx3397 Either: (1) a mortgage
broker licensed under
Article 1, Chapter 9,
Title 6 of Arizona’s
Revised Statutes; or (2)
a mortgage banker
licensed under Article 2
of the same Chapter
Both
A mortgage
banking loan or a
mortgage 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
Revised Statutes; or (2)
a mortgage banker
licensed under Article 2
of the same Chapter
Both
A mortgage loan
or a mortgage
banking loan
Real estate Before the
recording of the
security
instrument
Ariz. Rev. Stat.
Ann. § 6-909(O) &
6-947(N)
No
Click here for Table of Contents
Property of Docutech, LLC Page 17 Version 18.03
Click here for Table of Contents
Arkansas (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Right to Choose
Attorney
Cx3846 A creditor
Both
A high-cost home
loan
Real estate upon
which there is a 1-
to-4 family
structure which is
or which will be
occupied by the
borrower as his
principal dwelling
Not specified Ark. Code Ann. §
23-53-
103(6)(B)(ii)(h)
Arkansas Home
Loan Protection
Act
No
Initial Disclosure Tangible Net
Benefit Worksheet
Cx12531 (upon
request)
Either: (1) a person; or
(2) a creditor
Both
Either: (1) a
mortgage loan
transaction which
refinances a
residential
mortgage loan; or
(2) a high-cost
home loan which
refinances an
existing home
loan
Either: (1) a
dwelling (as
defined in 15
USCA § 1602[w],
as it existed on
January 1, 2011)
or residential real
estate upon which
is (or is intended
to be)
constructed a
dwelling; or (2)
real estate upon
which there is a 1-
to-4 family
structure which is
(or will be)
borrower-
occupied as a
principal dwelling
Not specified Ark. Code Ann. §§
23-39-513(10) &
23-53-104(b)
Fair Mortgage
Lending Act and
Arkansas Home
Loan Protection
Act
No
Property of Docutech, LLC Page 18 Version 18.03
Arkansas (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure AR Anti-Coercion
Insurance
Disclosure
Cx17018 Either: (1) a savings and
loan association,
financial institution,
national bank,
mortgage company, or
any public or provide
mortgagee; (2) a
person, including
depository institutions
and affiliates, primary
and secondary
mortgagees, vendors,
or lenders; or (3)
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
Property of Docutech, LLC Page 19 Version 18.03
Arkansas (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
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
Ark. Code Ann. §§
4-91-107 & 4-91-
108
Credit Services
Organizations Act
of 1987
No
Initial Disclosure CSO Contract UR A credit services
organization (CSO)
Brokers
An extension of
credit for
consumer
purposes
Not specified Not specified Ark. Code Ann. §
4-91-109
Credit Services
Organizations Act
of 1987
Partial Statutory
Adverse Action Addendum to
Statement of
Credit Denial,
Termination, or
Change
Cx15905 A user of a consumer
report (aka a creditor)
Both
Credit, an
extension of
existing credit, or
increase in
existing credit
Not specified When credit is
denied either in
whole or in part
Ark. Code Ann. §§
4-93-103 & 4-93-
104
No
Initial Disclosure,
Processing,
Underwriting, and
Closing
NMLS Unique
Identifier
Disclosed on 1003
Uniform
Residential Loan
Application
On Cx4193
(FNMA/FHLMC)
A person soliciting or
originating a mortgage
loan.
Both
A mortgage loan A dwelling (as
defined in 15
USCA § 1602[w],
as it existed on
January 1, 2011)
or residential real
estate upon which
is (or is intended
to be)
constructed a
dwelling
On the
application
Ark. Code Ann. §
23-39-510(b)
Fair Mortgage
Lending Act
FNMA 1003 Form -
Uniform Residential
Loan Application
Property of Docutech, LLC Page 20 Version 18.03
Arkansas (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Closing Principal and
Interest Disclosure
on the HUD-1 01-
01-10
Cx14222
(Federal)
A lender or any other
person, corporation, or
legal entity extending
credit
Both
Credit Property At the time of
extending credit
Ark. Code Ann. §
4-57-103(a)
12 CFR Pt. 1024,
App. A
Closing Notice of
Servicing Transfer
Cx17905
(Federal)
A mortgage servicing
licensee under the Fair
Mortgage Lending Act
(Ark. Code Ann. §§ 23-
39-501 through 23-39-
518)
Both
A mortgage loan A dwelling (as
defined in 15
USCA § 1602[w],
as it existed on
January 1, 2011)
or residential real
estate upon which
is (or is intended
to be)
constructed a
dwelling
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
Click here for Table of Contents
Property of Docutech, LLC Page 21 Version 18.03
Click here for Table of Contents
California (Package Type)
Proper Name
of Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal
Reference
Specific
Language
Required
Initial
Disclosure
CA Disclosure
Receipt
Cx2687 Either: (1) a real estate
broker (aka a licensee
under Chapter 3 of the
Real Estate Law); or (2)
a licensee under the
California Residential
Mortgage Lending Act)
Both
Either: (1) a federally
regulated residential
mortgage loan
transaction, the principal
loan amount of which
exceeds (a) $30,000 for a
first deed of trust, or (b)
$20,000 if a lien junior
thereto; or (2) A residential
mortgage loan, which is
either a federally related
mortgage loan as defined
in 24 CFR § 3500.2 or a
loan made to finance the
construction of a 1-to-4
family dwelling
Either: (1) real property; or
(2) residential real
property or a 1-to-4 family
dwelling
With forms
furnished for
application
Cal. Bus. &
Prof. Code §
10240(c); Cal.
Code Regs.
Tit. 10, §
1950.204
Real Estate
Law and
California
Residential
Mortgage
Lending Act
No
Initial
Disclosure
CA Mortgage
Brokerage
Agreement
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
Residential
Mortgage
Lending Act
No
Property of Docutech, LLC Page 22 Version 18.03
California (Package Type)
Proper Name
of Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal
Reference
Specific
Language
Required
Initial
Disclosure
CA Balloon
Disclosure
Regarding
Extension of
Credit
Cx2786 (upon
request)
A real estate broker
(aka a licensee under
Chapter 3 of the Real
Estate Law)
Brokers
Any loan secured by a
dwelling, which is subject
to Cal. Bus. & Prof. Code §
10240, which also
provides for a balloon
payment, but not a bona
fide loan that is either: (1)
secured by a first trust
deed with a principal
amount of $30,000 or
more; or (2) secured by a
junior lien with a principal
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
Property of Docutech, LLC Page 23 Version 18.03
California (Package Type)
Proper Name
of Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal
Reference
Specific
Language
Required
Initial
Disclosure
CA Addendum
to Uniform
Residential Loan
Application
Cx2796 Either: (1) not specified;
or (2) a lender,
presumably a finance
lender licensed under
the California
Financing Law
Both
Either: (1) credit; or (2) a
consumer loan, but not
including a commercial
bridge loan made by a
venture capital company
to an operating company
Either: (1) not specified; or
(2) real property
As a part of
the
application
Cal. Civ. Code
§ 1812.30(j);
Cal. Fin. Code
§§ 22203 &
22204
California
Financing
Law
No
Initial
Disclosure
CA Consumer
Caution and
Home
Ownership
Counseling
Notice for
Covered Loans
Cx2797 A “licensed person,”
which includes all the
major license types
(see Cal. Fin. Code §
4970[g] for details)
Both
A covered loan Real property used or
intended to be used or
occupied as the principal
dwelling of the consumer
that is improved by a 1-to-
4 residential unit
No later than
3 business
days prior to
closing
Cal. Fin. Code
§ 4973(k)
No
Initial
Disclosure
CA Mortgage
Loan Disclosure
Statement
Cx2798 A real estate broker
(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
Property of Docutech, LLC Page 24 Version 18.03
California (Package Type)
Proper Name
of Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal
Reference
Specific
Language
Required
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
Cal. Bus. &
Prof. Code §
10241(h)
Real Estate
Law
Statutory
Initial
Disclosure
HCL Prepayment
Charge
Disclosure
Cx2892 The person originating
the covered loan.
Both
A covered loan which
contains a prepayment
penalty
Real property used or
intended to be used or
occupied as the principal
dwelling of the consumer
that is improved by a 1-to-
4 residential unit
At least 3
business days
prior to loan
consummation
Cal. Fin. Code
§
4973(a)(2)(B)
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
Cx7442 A licensee under the
California Residential
Mortgage Lending Act
Both
A residential mortgage
loan which is either a
federally related mortgage
loan (as defined in 24 CFR
§ 3500.2) or a loan made
to finance the
construction of a 1-to-4
family dwelling
Residential real property,
which has a 1-to-4 family
structure
Not specified,
but practically
before
requiring a
lock-in fee
prior to
closing
Cal. Fin. Code
§
50203(a)(3)(A)
& (B)
California
Residential
Mortgage
Lending Act
No
Property of Docutech, LLC Page 25 Version 18.03
California (Package Type)
Proper Name
of Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal
Reference
Specific
Language
Required
Initial
Disclosure
CA Mortgage
Loan Disclosure
Statement/Good
Faith Estimate
Cx12922 Either: (1) a real estate
broker (aka a licensee
under Chapter 3 of the
Real Estate Law); (2) a
real estate broker,
when acting on behalf
of a mortgage lender,
mortgage broker, or
mortgage lender and
broker under the
California Financing
Law; or (3) a real estate
broker, when acting on
behalf of a licensee
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
Residential
Mortgage
Loan Act
Re885 - Mortgage
Loan Disclosure
Statement/Good
Faith Estimate,
Non Traditional
Mortgage
Product
Initial
Disclosure
CA Disclosure of
Negative
Amortization
Cx12996 A person originating a
covered loan.
Both
A first mortgage, negative
amortization covered loan
Real property used (or
intended to be used) or
occupied as the principal
dwelling of the consumer
that is improved by a 1-to-
4 residential unit
Not specified Cal. Fin. Code
§ 4973(c)
No
Initial
Disclosure
Addendum to
Loan
Application
Cx13441 Not specified
Both
Not specified Not specified Not specified Cal. Fam.
Code § 297.5
No
Property of Docutech, LLC Page 26 Version 18.03
California (Package Type)
Proper Name
of Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal
Reference
Specific
Language
Required
Initial
Disclosure
CA Comparison
of Sample
Mortgage
Features
Cx13522 Either: (1) a mortgage
lender, mortgage
broker, and mortgage
lender and broker
licensed under the
California 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
Residential
Mortgage
Lending Act
Comparison Chart
Initial
Disclosure
CA Broker HPML
Disclosure
Cx14956 (upon
request)
A mortgage broker
who arranges only
higher-priced
mortgage loans,
including the major
licensed types (see Cal.
Fin. Code § 4995[b] for
details)
Both
A higher-priced mortgage
loan
A consumer’s principal
dwelling
At the time of
initially
engaging in
mortgage
brokerage
services
Cal. Fin. Code
§ 4995.2(c)
No
Initial
Disclosure
CA Spanish
Good Faith
Estimate
Cx15532
(Spanish)
A supervised financial
organization (see Cal.
Civ. Code §
1632.5[b][2] for license
types)
Both
A loan or extension of
credit secured by
residential real property
Residential real property No later than
3 business
days after
receipt of a
written
application
Cal. Civ. Code
§ 1632.5
Housing and
Urban
Development -
Good Faith
Estimate Forms
(Spanish)
Property of Docutech, LLC Page 27 Version 18.03
California (Package Type)
Proper Name
of Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal
Reference
Specific
Language
Required
Initial
Disclosure
High Cost
Tangible Net
Benefit
Worksheet
Cx15773 A person originating a
covered loan.
Both
A covered loan that
refinances a consumer
loan.
Real property used (or
intended to be used) or
occupied as the principal
dwelling of the consumer
that is improved by a 1-to-
4 residential unit
Not specified Cal. Fin. Code
§ 4973(j)
No
Initial
Disclosure
CA Loan
Commitment
Cx16083 A licensee under the
California Residential
Mortgage Lending Act
Both
A residential mortgage
loan, which is either a
federally related mortgage
loan (as defined in 24 CFR
§ 3500.2) or a loan made
to finance the
construction of a 1-to-4
family dwelling
Residential real property,
which has a 1-to-4 family
structure
Upon approval
of the
application
Cal. Fin. Code
§ 50203(a)(4)
California
Residential
Mortgage
Lending Act
No
Initial
Disclosure
CA Advanced
Fee/Application
Disclosure
Cx16084 A licensee under
California’s Real Estate
Law (Cal. Bus. & Prof.
Code §§ 10000 through
10602)
Both
Not specified, but
practically a loan secured
directly or collaterally by
liens on real property
Real property Not specified,
but practically
before
performing
any services
for which the
fee is charged
Cal. Code
Regs. tit. 10, §
2970
Real Estate
Law
No
Property of Docutech, LLC Page 28 Version 18.03
California (Package Type)
Proper Name
of Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal
Reference
Specific
Language
Required
Initial
Disclosure
CA Fair Lending
Notice
Cx16170 &
Cx991
Financial Institutions,
including banks,
savings and loan
associations, and
public agencies
Both
Financial assistance,
including combination
mobile home and land
loans or contracts,
combination personal
property and real property
secured loans, and
purchase of secured home
improvement contracts
Any improved or
unimproved real property
that is used as a residence,
is (or will be) occupied by
the owner, and is 1-to-4
dwelling units; (b) any 1-
to-4-unit residential
dwelling, regardless of
occupancy, where the
owner has (or will) apply
for a secured home
improvement loan
Upon
submission of
a written
application
Cal. Health
and Safety
Code §
35830; Cal.
Code Regs.
Tit. 21, § 7114
Holden Act
and California
Fair Lending
Regulations
Administrative
Re867 - Fair
Lending Notice
(receipt)
Initial
Disclosure
Request for Fair
Lending
Information
Cx18014 Financial Institutions,
including banks,
savings and loan
associations, and
public agencies
Both
Financial assistance,
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, §
7114.1
Holden Act
and California
Fair Lending
Regulations
Partial
Administrative
Property of Docutech, LLC Page 29 Version 18.03
California (Package Type)
Proper Name
of Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal
Reference
Specific
Language
Required
Initial
Disclosure
CA REL
Supplemental
Disclosure
Cx19898 Broker Loans, including federally
regulated residential
mortgage loan
transactions secured by
first trust deed with
principal of $30,000 or
more, or loans secured by
a junior lien with a
principal amount of
$20,000 or more
Real property CA Bureau of
Real Estate
Licensee
Advisory (10-
17-2015)
Initial
Disclosure
CSO Information
Statement
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
Cal. Civ. Code
§§ 1789.14 &
1789.15
Credit
Services Act
of 1984
Partial Statutory
Initial
Disclosure
CSO Contract UR A credit services
organization (CSO)
Brokers
An extension of credit for
consumer purposes
Not specified Not specified,
but practically
before any
services are
performed
Cal. Civ. Code
§ 1789.16
Credit
Services Act
of 1984
Partial Statutory
Initial
Disclosure
CA Processing-
Underwriting
Disclosure
UR A licensee under the
California Residential
Mortgage Lending Act
Both
A residential mortgage
loan, which is either a
federally related mortgage
loan (as defined in 24 CFR
§ 3500.2) or a loan made
to finance the
construction of a 1-to-4
family dwelling
Residential real property,
which has a 1-to-4 family
structure
As soon as
practical, but
prior to loan
closing
Cal. Fin. Code
§ 50129(a)(2)
California
Residential
Mortgage
Lending Act
No
Property of Docutech, LLC Page 30 Version 18.03
California (Package Type)
Proper Name
of Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal
Reference
Specific
Language
Required
Adverse Action Statement of
Credit Denial,
Termination or
Charge
Cx15858
(Federal)
Either: (1) a user of a
consumer credit report
(i.e. a credit grantor);
(2) a creditor; or (3) a
financial institution,
including a bank,
savings and loan
association, or public
agency
Both
Either: (1) a credit for
personal, family, or
household purposes; or (2)
financial assistance,
including combination
mobile home and land
loans or contracts,
combination personal
property and real property
secured loans, and
purchase of secured home
improvement contracts
Either: (1) not specified; (2)
property; or (2) a housing
accommodation,
including: (a) any
improved or unimproved
real property that is used
as a residence, is (or will
be) occupied by the
owner, and is 1-to-4
dwelling units; (b) any 1-
to-4-unit residential
dwelling, regardless of
occupancy, where the
owner has (or will) apply
for a secured home
improvement loan
Within 30 days
of taking
action on an
application
Cal. Civ. Code
§§ 1785.20 &
1787.2 ; Cal.
Health &
Safety Code §
35810
Cal. Code
Regs. tit. 21, §
7114.2
Consumer
Credit
Reporting
Agencies Act,
The Holden
Credit Denial
Disclosure
Act of 1976,
Holden Act,
and California
Fair Lending
Regulations
12 CFR Pt. 1002,
App. C; Form C-1
Initial
Disclosure &
Closing
CA Earthquake
Insurance for
Condominiums
Disclosure
Cx998 A lender originating
the loan.
Both
A loan secured by a
borrower’s separate
interest in a condominium
project which requires
earthquake insurance or
imposes a fee or any other
condition in lieu thereof
A condominium project. As soon as
reasonably
practical
Cal. Civ. Code
§ 2955.1
No
Property of Docutech, LLC Page 31 Version 18.03
California (Package Type)
Proper Name
of Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal
Reference
Specific
Language
Required
Initial
Disclosure &
Closing
CA Credit Score
Disclosure
Cx2112 Either: (1) a consumer
credit reporting
agency; or (2) any
person who makes or
arranges loans
Both
A closed end loan or the
establishment of an open
end loan for a consumer
purpose
1- to 4- units of residential
real property
As soon as
reasonably
practical
Cal. Civ. Code
§§
1785.15.1(a)
&
1785.20.2(a)
Consumer
Credit
Reporting
Agencies Act
No
Initial
Disclosure &
Closing
CA Credit Score
Notice
Cx2114 Any person who makes
or arranges loans.
Both
A closed end loan or the
establishment of an open
end loan for a consumer
purpose
1- to 4- units of residential
real property
As soon as
reasonably
practical
Cal. Civ. Code
§ 1785.20.2(d)
Consumer
Credit
Reporting
Agencies Act
Statutory
Initial
Disclosure &
Closing
CA Insurance
Disclosure
Cx2350 Either: (1) a lender; (2)
a person engaged in
the business of
financing the purchase
of real property or
lending money on the
security of real
property; (3) not
specified
Both
Either: (1) a loan secured
by real property; or (2) a
financed purchase or a
loan of money
Either: (1) real property
upon which buildings or
structures are attached; or
(2) not specified
As soon as
practical, but
before
execution of
any note or
security
documents
Cal. Civ. Code
§ 2955.5(a) &
(b); Cal. Ins.
Code §§ 770
& 772; Cal.
Code Regs.
tit. 10, § 1492
No
Property of Docutech, LLC Page 32 Version 18.03
California (Package Type)
Proper Name
of Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal
Reference
Specific
Language
Required
Initial
Disclosure,
Processing,
Underwriting,
and Closing
NMLS Unique
Identifier
Disclosed on
1003 Uniform
Residential Loan
Application
On Cx4193
(FNMA/FHLMC)
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
Residential
Mortgage
Loan Act
FNMA 1003 Form
- Uniform
Residential Loan
Application
Initial
Disclosure &
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
Property of Docutech, LLC Page 33 Version 18.03
California (Package Type)
Proper Name
of Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal
Reference
Specific
Language
Required
Initial
Disclosure &
Closing
CA Notice of
Right to Receive
Copy of
Appraisal Report
Cx18023 A lender
Both
A loan transaction, but not
a loan modification, if the
lender has not charged for
the appraisal
Real property, including
residential real property
consisting of 1-to-4 family
residences
Either no later
than 15 days
after receiving
a written
application, in
the case of
residential real
property, or
within 15 days
of receiving
the appraisal
for
nonresidential
real property
Cal. Bus. &
Prof. Code §
11423
Real Estate
Appraisers’
Licensing and
Certification
Law
12 CFR Pt. 202,
App. C; Form C-9
Closing CA Deed of
Trust, CA Deed
of Trust FHA, &
CA ARM Notice
Addendum
Cx312, Cx365,
& Cx17110
A lender, but
practically only
applying to a licensee
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
Cal. Civ. Code
§ 1916.5
Usury Law
Partial Statutory
Property of Docutech, LLC Page 34 Version 18.03
California (Package Type)
Proper Name
of Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal
Reference
Specific
Language
Required
Closing CA Per Diem
Interest
Disclosure
Cx878 Either: (1) a lender; or
(2) a licensee under the
California Residential
Mortgage Lending Act
Both
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
Residential
Mortgage
Lending Act
No
Property of Docutech, LLC Page 35 Version 18.03
California (Package Type)
Proper Name
of Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal
Reference
Specific
Language
Required
Closing CA Statement of
Loan and HUD-
1 01-01-10
Cx883 (upon
request) and
Cx14222
(Federal)
An industrial loan
company (aka a
premium finance
agency)
Both
A loan made pursuant to
the Industrial Loan Law,
Division 7 of the California
Financial Code
Excluded are either: (1) a
loan to an industrial loan
company of a principal
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
Cx886 A creditor
Both
A consumer credit
transaction (see Cal. Civ.
Code § 1799.90[a] for
specifics)
Real property Prior to a co-
signer
becoming
obligated
under the
consumer
credit contract
Cal. Civ. Code
§§ 1799.91 &
1799.92
Statutory
Property of Docutech, LLC Page 36 Version 18.03
California (Package Type)
Proper Name
of Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal
Reference
Specific
Language
Required
Closing CA Mortgage
Guaranty
Insurance
Cancellation
Disclosure
Cx999 or
Cx17040
A lender or person
making or arranging
the loan
Both
A loan secured by a deed
of trust or mortgage, but
not any mortgage funded
with bond proceeds
issued under an indenture
requiring insurance for the
life of the loan, nor loans
insured by the FHA or VA
Real property No later than
30 days after
the close of
escrow
Cal. Civ. Code
§ 2954.6
No
Closing CA Impound
Account
Statement
Cx1231 A lender
Both
A loan secured by a deed
of trust or mortgage on
real property in which an
escrow account is not
required. See Cal. Civ.
Code § 2954(a)(1) for
further exemptions
Real property containing
only a single-family,
owner-occupied dwelling,
which will be occupied by
a signatory to the security
instrument within 90 days
of execution of such
instrument
Prior to the
execution of
the loan or
sales
agreement.
Cal. Civ. Code
§ 2954(a)
No
Closing CA HELOC
Request For
Notice of
Default
Cx3475 Any person desiring a
copy of any notice of
default and of any
notice of sale
Both
A deed of trust or
mortgage with power of
sale
Real property or an estate
for years
Subsequent to
recording of
the deed of
trust or
mortgage, but
prior to a
recordation of
default
Cal. Civ. Code
§ 2924b(a)
Statutory
Property of Docutech, LLC Page 37 Version 18.03
California (Package Type)
Proper Name
of Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal
Reference
Specific
Language
Required
Closing FACT Act Notice On Cx4387
(Federal)
A creditor
Both
A transaction or extension
of credit subject to Title
1.6, Part 4, Division 3 of
the California Civil Code
(Cal. Civ. Code §§ 1427
through 1785.36), but
excluding a nonconsumer
transaction
Not specified Prior to or
within 30 days
after the
transmission
of negative
credit
information
Cal. Civ. Code
§ 1785.26(b)
through (d)
Consumer
Credit
Reporting
Agencies Act
Statutory
Closing CA Financing
Law Statement
of Loan –
Finance Lenders
Cx14027 A licensed finance
lender under the
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
Partial
Administrative
Property of Docutech, LLC Page 38 Version 18.03
California (Package Type)
Proper Name
of Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal
Reference
Specific
Language
Required
Closing CA Credit
Disability Claim
Procedure
Cx15326 (upon
request)
A creditor who directly
arranges or
participates in the sale
or receives
compensation for the
sale of credit disability
insurance
Both
A credit transaction
(including an open line of
credit) which is either (1)
of less than 10 years’
duration; or (2) of more
than 10 years’ duration,
the principal purpose of
which is for the
construction,
rehabilitation, or
improvement of real
property consisting of 1-
to-4 residential units
Not specified At the time
the creditor
sells credit
disability
insurance
coverage
Cal. Civ. Code
§
1812.402(f)(1)
Statutory
Closing CA Important
Privacy Choices
for Consumers
Cx16539 (upon
request)
A financial institution
Both
A financial product or
service
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
Cx21960 Not specified
Both
Not specified, but
practically any loan that
involves real property
Real property At the time of
recording
Cal.Gov.Code
§ 27388.1
Model Form
Click here for Table of Contents
Property of Docutech, LLC Page 39 Version 18.03
Click here for Table of Contents
Colorado (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Initial Disclosure CO Loan Product
Choice
Cx2749 A lender
Lenders
A covered loan
which contains a
prepayment
penalty
An interest in
land, which
should also be
the consumer’s
principal
dwelling
Not specified, but
practically before a
prepayment penalty
fee is included in the
loan
Colo. Rev. Stat.
Ann. § 5-3.5-
102(1)(g)(III)
Uniform
Consumer Credit
Code
Statutory
Initial Disclosure CO Consumer
Caution Notice
Cx2750 A lender or mortgage
broker
Both
A covered loan An interest in
land, which
should also be
the consumer’s
principal
dwelling
Within a reasonable
period of time after
determining that the
loan will be a covered
loan, but no later than
3 business days before
consummation
Colo. Rev. Stat.
Ann. § 5-3.5-
103(1)(a)(I)
Uniform
Consumer Credit
Code
Statutory
Property of Docutech, LLC Page 40 Version 18.03
Colorado (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Initial Disclosure Anti-Coercion
Insurance
Disclosure
Cx2778 Either: (1) a financial
institution licensed
under the Colorado
Producer Licensing
Model Act; (2) a person
who lends money or
extends credit, enters
into a lease
transaction, or a
renewal of any of
these; (3) a lender
Both
Either: (1) a loan
of money or an
extension of
credit; (2) a loan
secured by real
property
Property,
particularly real
property
Not specified Colo. Rev. Stat.
Ann. §§ 10-2-602,
10-3-1105 & 10-
4-114
Colorado
Producer
Licensing Model
Act
No
Initial Disclosure CO Consumer
Credit
Transaction
Disclosure
Cx3584 A creditor
Lenders
Either: (1) a
particular
consumer credit
transaction
(practically a
consumer loan),
which subjected
to the Uniform
Consumer Credit
Code; or (2) an
extension of
credit for a
consumer
purpose
Either: (1) real
estate; or (2) a
dwelling, which is
a residential
structure
containing 1-to-
4 units, including
a condo or coop
unit, mobile
home, or trailer
Not specified, but
practically when an
assignment of rights is
made
Colo. Rev. Stat.
Ann. §§ 5-3-106
& 5-18-107
Uniform
Consumer Credit
Code and
Colorado
Consumer Credit
Reporting Act
Partial Statutory
Property of Docutech, LLC Page 41 Version 18.03
Colorado (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Initial Disclosure CO Reasons for
Loan
Cx12874 A licensee under the
Mortgage Loan
Originator Licensing
and Mortgage
Company Registration
Act
Both
A transaction,
presumably a
residential
mortgage loan
A dwelling or
residential real
estate upon
which is (or is
intended to be)
constructed a 1-
to-4 family unit
dwelling (as
defined in 15
USCA § 1602[v])
Before recommending
an appropriate
mortgage product
4 Colo. Code
Regs. § 725-
3:5.7(B)
Mortgage Loan
Originator
Licensing and
Mortgage
Company
Registration Act
No
Initial Disclosure CO Lock-In
Disclosure
Cx13134 Mortgage Loan
Originator
Both
A transaction,
presumably a
residential
mortgage loan
A dwelling or
residential real
estate upon
which is (or is
intended to be)
constructed a 1-
to-4 family unit
dwelling (as
defined in 15
USCA § 1602[v])
Within 3 business days
from application
4 Colo. Code
Regs. Pt. §725-3
Lock-in disclosure
Initial Disclosure Addendum to
Loan Application
Cx13441 Not specified
Both
Not specified Not specified Not specified, but
practically at
application
Colo. Rev. Stat.
Ann. § 15-22-
105(3)(a)
Colorado
Designated
Beneficiary
Agreement Act
No
Property of Docutech, LLC Page 42 Version 18.03
Colorado (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Initial Disclosure CO Dual Status
Disclosure
Cx14095 A licensee under the
Colorado Mortgage
Loan Originator
Licensing and
Mortgage Company
Registration Act who
also acts as a real
estate broker or
salesperson.
Both
Residential
mortgage loans
A dwelling or
residential real
estate upon
which is (or is
intended to be)
constructed 1-
to-4 family
dwelling units
Within 3 business days
after receipt of a loan
application or any
moneys from a
borrower
Colo. Rev. Stat.
Ann. § 12-61-
912; 4 Colo.
Code Regs. §
725-3:5.22
Colorado
Mortgage Loan
Originator
Licensing and
Mortgage
Company
Registration Act
Dual Status
Disclosure
Initial Disclosure Good Faith
Estimate 01-01-
10
Cx14221
(Federal)
A person who is
regularly engaged in
the making of certain
loans
Both
A loan secured
by a security
instrument, but
in the case of
certain entities,
only first liens of
such loans
A 1-to-4 family
dwelling
No less than 3
business days after
receipt of the loan
application
Colo. Rev. Stat.
Ann. § 38-40-102
12 CFR Pt. 1024,
App. C
Initial Disclosure Cost of Insurance
Disclosure
Cx16488 The creditor
Lenders
A consumer
credit transaction
(consumer loan)
Land Not specified Colo. Rev. Stat.
Ann. § 5-2-202(3)
Uniform
Consumer Credit
Code – Finance
Charges and
Related
Provisions
No
Property of Docutech, LLC Page 43 Version 18.03
Colorado (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Initial Disclosure CO Commitment
Agreement
Cx17939 Either: (1) a mortgage
loan originator,
licensed under the
Colorado Mortgage
Loan Originator
Licensing and
Mortgage Company
Registration Act; (2) a
creditor; or (3) a lender
Both
Either: (1) a
residential
mortgage loan;
(2) an extension
of credit of a
principal amount
exceeding
$25,000; or (3) a
loan secured by a
mortgage or
deed of trust, but
in the case of
certain entities,
only first liens of
such loans.
Either: (1) a
dwelling (as
defined in TILA)
or residential real
estate upon
which is (or is
intended to be)
constructed a 1-
to-4 family unit
dwelling; (2) not
specified; or (3) a
1-to-4 family
dwelling
Not specified Colo. Rev. Stat.
Ann. §§ 12-61-
915, 38-10-124,
& 38-40-102(1)
Colorado
Mortgage Loan
Originator
Licensing and
Mortgage
Company
Registration Act
and Statute of
Frauds
No
Initial Disclosure CO Consumer
Credit Insurance
Disclosure
Cx17940 (upon
request)
A creditor who requires
consumer credit
insurance
Lenders
A consumer
credit transaction
(consumer loan)
Land Not specified Colo. Rev. Stat.
Ann. §§ 5-4-109
& 10-10-113
Uniform
Consumer Credit
Code – Insurance
and Credit
Insurance Act
No
Property of Docutech, LLC Page 44 Version 18.03
Colorado (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Initial Disclosure CO Financial
Institutions
Insurance
Disclosure
Cx17941 (upon
request)
A financial institution,
which offers,
recommends,
sponsors, or sells
insurance (or on whose
premises such actions
occur)
Both
Not specified Not specified Not specified, but
practically before the
insurance is purchased
Colo. Rev. Stat.
Ann. § 10-2-604
Colorado
Producer
Licensing Model
Act
No
Initial Disclosure CO Truncated
Coverage
Disclosure
UR A creditor
Lenders
A credit
transaction
Not specified When a debtor elects
truncated insurance
coverage
Colo. Rev. Stat.
Ann. § 10-10-
119(1)
Credit Insurance
Act
No
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
Colo. Rev. Stat.
Ann. §§ 5-19-105
& 5-19-106
Colorado Credit
Services
Organization Act
Partial Statutory
Initial Disclosure CSO Contract UR A credit services
organization (CSO)
Brokers
An extension of
credit for
consumer
purposes
Not specified Not specified Colo. Rev. Stat.
Ann. § 15-19-107
Colorado Credit
Services
Organization Act
Partial Statutory
Property of Docutech, LLC Page 45 Version 18.03
Colorado (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Initial Disclosure,
TILA Redisclosure,
& Closing
Federal Truth-in-
Lending
Disclosure
Cx18 (Federal),
Cx1591
(Federal), and
others
A mortgage loan
originator
Both
A residential
mortgage loan
A dwelling or
residential real
estate upon
which is (or is
intended to be)
constructed a 1-
to-4 family unit
dwelling (as
defined in 15
USCA 1602[v] of
TILA]
Within 3 business days
after receipt of a loan
application or any
moneys from a
borrower
4 Colo. Code
Regs. §§ 725-
3:5.13 & 725-
3:5.14
Mortgage Loan
Originator
Licensing and
Mortgage
Company
Registration Act
12 CFR Pt. 1026,
App. H
Initial Disclosure,
TILA Redisclosure,
& Closing
All Disclosures
Required Under
the Truth-in-
Lending Act
Cx18, Cx1591,
Cx13457, and
others (all
Federal)
A creditor
Both
A consumer
credit transaction
(a consumer
loan)
Land At various times Colo. Rev. Stat.
Ann. § 5-3-101(2)
& (3)
Uniform
Consumer Credit
Code
12 CFR Pt. 1026,
App. G & H
Initial Disclosure &
Closing
CO Refinance
Disclosure
Cx993 A lender
Lenders
Loans secured by
a first lien that
refinances a
purchase or
initial
construction loan
A dwelling, which
is improved real
property that is
(or is intended to
be) used as a
residence and
contains not
more than 4
dwelling units
Not specified Colo. Rev. Stat.
Ann. §§ 5-1-
301(26)(c) & 5-5-
112
Uniform
Consumer Credit
Code and
Uniform
Consumer Credit
Code – Remedies
and Penalties
No
Property of Docutech, LLC Page 46 Version 18.03
Colorado (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Initial Disclosure &
Closing
CO Disburser’s
Notice
Cx3760 The disburser (any
lender who has agreed
to make any loan to
the owner or
contractor)
A loan,
presumably
consisting of a
mechanic’s lien
A structure Prior to the first
disbursement
Colo. Rev. Stat.
Ann. § 38-22-
126(2)
No
Initial Disclosure,
Processing,
Underwriting, and
Closing
NMLS Unique
Identifier
Disclosed on
1003 Uniform
Residential Loan
Application
On Cx4193
(FNMA/FHLMC)
A licensee or registrant
under the Mortgage
Loan Originator
Licensing and
Mortgage Company
Registration Act
(includes mortgage
loan originators and
mortgage companies)
Both
A residential
mortgage loan
A dwelling or
residential real
estate upon
which is (or is
intended to be)
constructed a 1-
to-4 family unit
dwelling (as
defined in 15
USCA § 1602[v])
On the application Colo. Rev. Stat.
Ann. § 12-61-918
Mortgage Loan
Originator
Licensing and
Mortgage
Company
Registration Act
FNMA 1003 Form -
Uniform
Residential Loan
Application
Property of Docutech, LLC Page 47 Version 18.03
Colorado (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Initial Disclosure,
Processing,
Underwriting, &
Closing
Uniform
Residential Loan
Application
Disclosure & CO
Tangible Net
Benefit Disclosure
Cx4193
(FNMA/FHLMC)
& Cx12873
Either: (1) a lender or
assignee; or (2) a
mortgage loan
originator (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
estate upon
which is (or is
intended to be)
constructed a 1-
to-4 family unit
dwelling (as
defined in 15
USCA 1602[v])
Before recommending
an appropriate
mortgage product
Colo. Rev. Stat.
Ann. §§ 5-3.5-
103(1)(c), 12-61-
904.5, 38-40-
105(1.7(a)(II) ; 4
Colo. Code Regs.
§§ 725-3:5.6,
725-3:5.7(A), &
725-3:5.8
Uniform
Consumer Credit
Code and
Mortgage Loan
Originator
Licensing and
Mortgage
Company
Registration Act
FNMA 1003 Form -
Uniform
Residential Loan
Application
Tangible Net
Benefit Disclosure
Initial Disclosure &
Closing
Good Faith
Estimate 01-01-
10, HUD-1 01-01-
10, Itemization of
Amount Financed
01-01-10
Cx14221,
Cx14222, &
14224 (all
Federal)
A mortgage loan
originator (aka a
licensee under the
Colorado Mortgage
Loan Originator
Licensing and
Mortgage Company
Registration Act)
Both
Residential
mortgage loans
A dwelling (as
defined in 15
USCA § 1602[v])
or residential real
estate upon
which is, or is
intended to be,
constructed 1-
to-4 family
dwelling units
Within 3 business days
after receipt of a loan
application or any
moneys from a
borrower
Colo. Rev. Stat.
Ann. § 12-61-
914(1); 4 Colo.
Code Regs. §§
725-3:5.15 &
725-3:5.17
Mortgage Loan
Originator
Licensing and
Mortgage
Company
Registration Act
12 CFR Pt. 1024
App. A & C
12 CFR Pt. 1026,
App. H; Form H-3
Property of Docutech, LLC Page 48 Version 18.03
Colorado (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Initial Disclosure &
Closing
Good Faith
Estimate 01-01-
10, HUD-1 01-01-
10, CO
Explanation of
Fee Increase
Cx14221
(Federal) and
Cx14222
(Federal), or
Cx14439 (upon
request)
A licensee under the
Colorado Mortgage
Loan Originator
Licensing and
Mortgage Company
Registration Act
Both
Residential
mortgage loans
A dwelling (as
defined in 15
USCA § 1602[v])
or residential real
estate upon
which is, or is
intended to be,
constructed 1-
to-4 family
dwelling units
At least 3 business
days prior to the
signing of the loan
closing documents
4 Colo. Code
Regs. §§ 725-
3:5.13 & 725-
3:5.16
Colorado
Mortgage Loan
Originator
Licensing and
Mortgage
Company
Registration Act
12 CFR Pt. 1024,
App. A & C
Closing All Promissory
Notes and/or
Security
Instruments
Cx5
(FNMA/FHLMC),
Cx313
(FNMA/FHLMC),
Cx366 (FHA),
Cx472, Cx1361,
and others
A creditor
Both
A consumer
credit transaction
(a consumer
loan)
Land Not specified, but
practically at or before
the time credit is
extended
Colo. Rev. Stat.
Ann. § 5-3-108
Uniform
Consumer Credit
Code
FNMA Form 3200 –
Multistate Fixed-
Rate Note
FNMA Form 3006 -
Colorado
FHA Single Family
Handbook 4155.2
ch. 12.A
Closing CO Notice to
Cosigners
Cx994 Not specified
Both
Consumer credit
transaction (a
consumer loan)
Land Before or
contemporaneously
with signing any
agreement of
obligation or any
writing setting forth
the terms of the
agreement
Colo. Rev. Stat.
Ann. § 5-3-105
Uniform
Consumer Credit
Code
12 CFR §§ 227.14 &
16 CFR § 444.3
Property of Docutech, LLC Page 49 Version 18.03
Colorado (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Closing CO Balloon Note
Disclosure
Cx2793 A creditor Consumer credit
transaction (a
consumer loan)
Land At the time the
transaction is entered
into
Colo. Rev. Stat.
Ann. § 5-3-208
Uniform
Consumer Credit
Code
No
Closing Notice of
Servicing Transfer
Cx17905
(Federal)
Not specified, but
practically a creditor
Both
A consumer
credit transaction
(a consumer
loan)
Land Not specified, but
practically when an
assignment of rights is
made
Colo. Rev. Stat.
Ann. § 5-3-102 .
Uniform
Consumer Credit
Code
12 CFR Pt. 1024,
App. MS-2
Click here for Table of Contents
Property of Docutech, LLC Page 50 Version 18.03
Click here for Table of Contents
Connecticut (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure CT Private Mortgage
Insurance Disclosure
Cx1029 Mortgage lenders
Both
First mortgage
loan
1-to-4 family
residential,
owner-occupied
real property.
At the time the
application is
filed
Conn. Gen. Stat.
Ann. § 36a-
726(a)
No
Initial Disclosure CT Real Estate
Broker/Salesperson
Disclosure
Cx3589 A real estate broker who
receives compensation
for the sale of residential
real property.
Brokers
First mortgage
loan
1-to-4 family
residential real
estate
Prior to the
buyer’s signing a
broker contract
Conn. Gen. Stat.
Ann. § 20-
325c(b) & (c)
Statutory
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
Residential
mortgage loans
A dwelling (as
defined in 15
USCA § 1602), or
residential real
estate which is
or will contain
such a dwelling.
Prior to the
payment of any
advance fee
Conn. Gen. Stat.
Ann. § 36a-
498(c)
Partial Statutory
Property of Docutech, LLC Page 51 Version 18.03
Connecticut (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure CT Notice of Right to
Receive Copy of
Appraisal
Cx3752 A financial institution
Both
Mortgage loan 1-to-4 family
residential real
property,
including a
condo
No later than 10
days after
receipt of an
appraisal report,
but before
consummation
Conn. Gen. Stat.
Ann. § 36a-
755(b) & (c)
No
Initial Disclosure CT Disclosure
Regarding Legal
Representation
Cx3753 A creditor
Both
A first lien
mortgage loan
1-to-4 family
residential real
property
When an
application is
filed
Conn. Gen. Stat.
Ann. § 49-6d
No
Initial Disclosure CT Interim Financing
Disclosure
Cx3754 A creditor who has a
policy of not offering
interim financing
Lenders
A first lien
mortgage loan
1-to-4 family
residential real
property
At the time when
an application is
filed
Conn. Gen. Stat.
Ann. § 49-6a(b)
No
Initial Disclosure CT High Cost Home
Loan Disclosure
Cx13002 A lender ((i.e. any person
who originates one or
more high cost home
loans)
Both
A high cost
home loan
1-to-4 family
residential real
property that is
(or is intended
to be) occupied
by the borrower
as a principal
residence
Not specified,
but practically
before
consummation
Conn. Gen. Stat.
Ann. § 36a-746b
Connecticut
Abusive Home
Loan Lending
Practices Act
Partial Statutory
Initial Disclosure Addendum to Loan
Application
Cx13441 Not specified
Both
Not specified Not specified Not specified,
but practically at
application
Kerrigan v.
Commissioner of
Public Health,
957 A.2d 407
(Conn. 2008)
No
Property of Docutech, LLC Page 52 Version 18.03
Connecticut (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure CT Nonprime Home
Loan Disclosure
Cx14773 A lender licensed under
Chapter 668 (Conn. Gen.
Stat. Ann. §§36a-485 to
36a-498a), including
most banks and credit
unions.
Both
Nonprime home
loans, which
have a principal
amount of
$417,000 or less.
1-to-4 family
residential real
property, which
is (or is intended
to be) used or
occupied by the
borrower as a
principal
residence
No later than 3
business days
after receipt of a
completed
application
Conn. Gen. Stat.
Ann. §§ 36a-
760a(c) & 36a-
760d(3)
No
Initial Disclosure CT Higher Interest
Rate In Lieu of PMI
Disclosure
Cx14798 A mortgage lender
Both
A first mortgage
loan, made to an
individual,
wherein the
interest rate
exceeds an 80%
LTV ratio
1-to-4 family
residential,
owner-occupied
real property
At the time the
application is
filed
Conn. Gen. Stat.
Ann. § 36a-
726(b)
No
Initial Disclosure Tangible Net Benefit
Worksheet
Cx15773 (upon
request)
Either: (1) a lender (i.e.
any person who
originates one or more
high cost home loans; or
(2) a lender or a
mortgage broker
Both
Either: (1) a high
cost home loan
which refinances
another loan; or
(2) a nonprime
home loan which
refinances a
mortgage
1-to-4 family
residential real
property that is
(or is intended
to be) occupied
by the borrower
as a principal
residence
Not specified Conn. Gen. Stat.
Ann. §§ 36a-
746e(8) & 36a-
760g(b)
Connecticut
Abusive Home
Loan Lending
Practices Act
No
Property of Docutech, LLC Page 53 Version 18.03
Connecticut (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure CT Mortgage Rate
Lock-In Confirmation
Cx15855 A mortgage lender or
correspondent lender
licensed under Conn.
Gen. Stat. Ann. §§36a-485
to 36a-498a.
Lenders
A first mortgage
loan
A dwelling or
residential real
estate upon
which is, or will
be, a dwelling
(defined in 15
USCA § 1602)
Before the
lender commits
to making a loan
at a specified
rate within a
specified period
of time.
Conn. Gen. Stat.
Ann. §§ 36a-
705(4) & 36a-
706(a)
No
Adverse Action Addendum to
Statement of Credit
Denial, Termination,
or Change
Cx15905 Financial institutions
Both
A home
purchase, home
improvement, or
mortgage loan.
Residential real
property, which
is improved real
property used
(or to be used)
for residential
purposes.
When adverse
action is taken
on an
application
Conn. Agencies
Regs. § 36a-744-
7(b)
Home Mortgage
Disclosure Act
Statutory
Initial Disclosure,
Processing,
Underwriting, &
Closing
NMLS Unique
Identifier Disclosed
on 1003 Uniform
Residential Loan
Application
On Cx4193
(FNMA/FHLMC)
A mortgage loan
originator, loan
processor, or underwriter
Both
A residential
mortgage loan
A dwelling or
residential real
estate upon
which is, or will
be, a dwelling
(defined in 15
USCA §1602)
At application Conn. Gen. Stat.
Ann. § 36a-498d
FNMA 1003 Form -
Uniform
Residential Loan
Application
Closing CT Tax Bill
Authorization
CX1842 Not specified
Both
A residential
mortgage loan
Not specified At closing Customarily
given
Conn. Gen. Stat.
Ann. § 12-39n(8)
& 49-2
No
Property of Docutech, LLC Page 54 Version 18.03
Connecticut (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Closing CT Loan Payoff
Disclosure Statement
Cx16059 A notification agent
Both
A residential real
estate
transaction
involving the
payoff of a
mortgage loan
A 1-to-4 family
dwelling
Within 2
business days
from the date of
completion of
the closing
Conn. Gen. Stat.
Ann. § 49-10b(b)
Statutory
Closing CT Fair Housing
Notice
Cx20625 Any person who offers
residential property for
rent or lease or sale
A residential
property
2 or more units At closing Conn. Gen. Stat.
Ann. § 20-327h
Fair Housing
Notice
Click here for Table of Contents
Delaware (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure DE Broker
Agreement
Cx3583 A mortgage broker,
acting as such, licensed
under Chapter 21, Title
5 (Del. Code Ann. §§
2101 through 2119)
Brokers
A mortgage loan 1-to-4 family
residential,
owner-occupied
property
Prior to the time
that brokerage
services are
provided
Del. Code Ann. tit.
5, § 2113; 5 Del.
Admin. Code §§
2102-1.2.7, 2103-
2.0 & 6.0, 2104,
and 2203-6.0
Partial
Administrative
Initial Disclosure Anti-Coercion
Insurance
Cx3750 Either: (1) a person; or
(2) a mortgagee or
obligee
Both
Either: (1) a loan
of money; or (2)
a mortgage or
other instrument
given for the
purpose of
creating a lien on
real property
Real property,
including 1-to-4
family residential
properties
Not specified Del. Code Ann. tit.
18, § 2305 & tit.
25, § 2119(b)
No
Property of Docutech, LLC Page 55 Version 18.03
Delaware (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Addendum to
Loan Application
Cx13441 Not specified
Both
Not specified Not specified Not specified, but
practically at
application
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
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
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
Not specified, but
practically before
a written
commitment is
issued
5 Del. Admin.
Code §§ 2103-
3.1.3 & 2203-5.1
No
Property of Docutech, LLC Page 56 Version 18.03
Delaware (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
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
Del. Code Ann. tit.
6, § 2406
No
Initial Disclosure CSO Contract UR A credit services
organization (CSO)
Brokers
An extension of
credit for
consumer
purposes
Not specified Not specified Del. Code Ann. tit.
6, § 2407
Partial Statutory
Initial Disclosure,
Processing,
Underwriting, &
Closing
NMLS Unique
Identifier
Disclosed on 1003
Uniform
Residential Loan
Application
On Cx4193
(FNMA/FHLMC)
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 such
a dwelling
On the
application
Del. Code Ann. tit.
5, § 2420; 5 Del.
Admin. Code §§
2101-5.3 & 2201-
8.3
Delaware S.A.F.E.
Mortgage
Licensing Act of
2009
FNMA 1003 Form -
Uniform Residential
Loan Application
Closing HUD-1 01-01-10 Cx14222
(Federal)
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
At closing 5 Del. Admin.
Code §§ 2102-
1.3.4, 2202-
1.3.4.3, & 2203-
5.0
12 CFR Pt. 1024,
App. A
Click here for Table of Contents
Property of Docutech, LLC Page 57 Version 18.03
Click here for Table of Contents
District of
Columbia (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Disclosure
Required
Initial Disclosure Anti-Coercion
Insurance
Disclosure
Cx2778 A person who lends
money or extends
credit and who solicits
insurance on real
property
Both
A credit extension Real property Not specified D.C. Code Ann. §
31-2231.20(c)
No
Initial Disclosure DC Financing
Agreement
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
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling,
specifically a 1-to-
4 family home
At least 72 hours
before the time of
settlement
D.C. Code Ann. §
26-1113(a)
No
Property of Docutech, LLC Page 58 Version 18.03
District of
Columbia (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Disclosure
Required
Initial Disclosure DC Red Flag
Warning
Disclosure Notice
Cx4245 A lender or a mortgage
broker
Both
A covered loan Residential real
property in which
there is (or is to
be) located a 1-
to-4 family unit
structure which is
(or will be) the
borrower’s
principal dwelling
At least 3
business days
prior to closing
D.C. Code Ann. §
26-1152.11 & 26-
1152.19; D.C.
Mun. Regs. Tit.
26C, §§ 2005 &
2099
Home Loan
Protection Act of
2002
Administrative
Initial Disclosure DC Disclosure of
Dual Capacity
Cx5072 A mortgage broker
licensed under Chapter
11, Title 26 (§§ 26-1101
through 26-1121) who
is acting in a dual
capacity
Brokers
A mortgage loan A dwelling (as
defined in Section
103[w] of TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
At the time
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
A mortgage loan A dwelling (as
defined in Section
103[w] of TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
Not specified D.C. Mun. Regs.
tit. 26-C, §§
1117.4, 1117.5, &
1117.6
No
Property of Docutech, LLC Page 59 Version 18.03
District of
Columbia (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Disclosure
Required
Initial Disclosure DC Mortgage
Disclosure Form
Cx13354 A licensee under
Chapter 11, Title 26
(D.C. Code Ann. §§ 26-
1101 through 26-1121),
though the disclosure
must be executed by a
licensed lender
Both
A non-
conventional
mortgage loan (a
mortgage loan
that is not a fixed-
rate one with an
amortization
period of less
than 30 years)
A dwelling (as
defined in Section
103[w] of TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
Within 3 business
days of an
application
D.C. Code Ann. §
26-1113(a-1)
Statutory
Initial Disclosure Addendum to
Loan Application
Cx13441 Not specified
Both
A mortgage or
deed of trust
Not specified Not specified D.C. Code Ann. §§
15-502 & 46-401
No
Initial Disclosure DC Spanish
Mortgage
Disclosure Form
Cx15561
(Spanish)
A licensee under
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)
A dwelling (as
defined in Section
103[w] of TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
Within 3 business
days of an
application
D.C. Code Ann. §
26-1113(a-1)(8)(b)
Statutory
(Spanish)
Property of Docutech, LLC Page 60 Version 18.03
District of
Columbia (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Disclosure
Required
Initial Disclosure Cost of Insurance
Disclosure
Cx16488 A lender
Lenders
Either: (1) a
covered loan; or
(2) a loan or
financial
transaction
Either: (1)
residential real
property in which
there is (or is to
be) located a 1-
to-4 family unit
structure which is
(or will be) the
borrower’s
principal dwelling;
or (2) property
At least 3 days
before closing
D.C. Code Ann. §§
26-1152.03 and
28-3311(a)(4) &
(a)(5)
Home Loan
Protection Act of
2002
No
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 consumer
or before receipt
by the CSO of any
consideration,
whichever comes
first
D.C. Code Ann. §
28-4605(a) & (b)
No
Initial Disclosure CSO Contract UR A credit services
organization (CSO)
Brokers
An extension of
credit for
consumer
purposes
Not specified Not specified D.C. Code Ann. §
28-4605(c) & (d)
No
Property of Docutech, LLC Page 61 Version 18.03
District of
Columbia (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Disclosure
Required
Initial Disclosure,
TILA Redisclosure,
& Closing
Initial Truth-in-
Lending
Disclosure, ARM
Disclosure –
Lender, and other
TILA Disclosures
Cx1591
(Federal),
Cx14089
(Federal), and
other TILA
Disclosures
A lender
Lenders
A loan, financial,
or consumer
credit transaction
Residential real
property
Prior to execution
of the loan or
financial
transaction
D.C. Code Ann. §
28-3301(f)(3)
Home Loan
Protection Act of
2002
12 CFR Pt. 1026,
App. H
Initial Disclosure,
Processing, TILA
Redisclosure,
Underwriting, &
Closing
Various Federal
disclosures used
to fulfill loan
application
disclosure
requirements
Cx1591
(Federal),
Cx4193
(FNMA/FHLMC),
Cx14089
(Federal), and
Cx14221
(Federal)
A licensee under
Chapter 11, Title 26
(D.C. Code Ann. §§ 26-
1101 through 26-1121)
Both
A 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,
specifically a 1-to-
4 family home
On or with the
application
D.C. Mun. Regs.
tit. 26-C, § 1116
12 CFR Pt. 1024,
App. C
12 CFR Pt. 1026,
App. H
FNMA 1003 Form -
Uniform Residential
Loan Application
Initial Disclosure &
Closing
Waiver of 72 Hour
Notice
Cx8268 (upon
request)
A licensee under
Chapter 11, Title 26
(D.C. Code Ann. §§ 26-
1101 through 26-1121)
Both
A mortgage loan A dwelling (as
defined in Section
103[w] of TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling,
specifically a 1-to-
4 family home
Prior to execution
of the financing
agreement
D.C. Code Ann. §
26-1113(b)(2)
No
Property of Docutech, LLC Page 62 Version 18.03
District of
Columbia (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Disclosure
Required
Initial Disclosure &
Closing
DC Nonresident
Borrower
Confirmation
Cx17181 (upon
request)
A lender
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
Before a co-
borrower, who
does not own or
reside in the
subject property,
is added to a
covered loan
D.C. Code Ann. §
26-1152.02(a)(4)
Home Loan
Protection Act of
2002
No
Closing DC Escrow
Account
Disclosure
Cx1026 Either: (1) a licensed
mortgage lender under
Chapter 11, Title 26 of
the District’s Code; or
(2) a lender
Either: (1) a
mortgage loan; or
(2) a loan or
financial
transaction. In
either case, the
loan must have
present either a
down payment of
20% of the
purchase price or
the borrower has
an equity interest
of 20% or more of
the fair market
value
Either: (1) a
dwelling (as
defined in Section
103[w] of TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling; or (2)
residential real
property
On the date of
execution of the
loan or financial
transaction
D.C. Code Ann. §§
26-1115(b) & 28-
3301(f)(2)
No
Property of Docutech, LLC Page 63 Version 18.03
District of
Columbia (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Disclosure
Required
Closing HELOC Deed of
Trust – DC
Cx1340 Not specified
Both
A credit line deed
of trust
Single family
residential
property used for
non-transient
residential
purposes
On the deed of
trust
D.C. Code Ann. §
42-2302
Partial Statutory
Closing DC Real Property
Recordation and
Transfer Tax
Forms FP 7/C &
DC Real Property
Recordation and
Transfer Tax
Addendum
Cx2485 &
Cx16282 (upon
request)
Not specified
Both
Not specified Real property At the time of
recording
D.C. Mun. Regs.
tit. 9, §§ 335, 337
& 338
District of
Columbia Real
Property Tax
Revision Act of
1974
Form FP 7/C
Form FP7CA
Closing DC Final Financing
Agreement
Cx13979 A licensee under
Chapter 11, Title 26
(D.C. Code Ann. §§ 26-
1101 through 26-1121)
Both
A mortgage loan A dwelling (as
defined in Section
103[w] of TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling,
specifically a 1-to-
4 family home
At least 72 hours
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
Click here for Table of Contents
Property of Docutech, LLC Page 64 Version 18.03
Click here for Table of Contents
Florida (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure FL Anti-Coercion
Insurance Notice
Cx2834 A person, particularly a
lender
Both
An extension of
credit or a loan
Not specified When negotiations
begin and before
application
Fla. Stat. Ann. §
626.9551(1); Fla.
Admin. Code Ann. r.
69B-124.002, 69B-
124.013, 69O-124.002,
& 69O-124.013
Unfair Insurance Trade
Practices Act
Administrative
Initial Disclosure FL Notice to
Purchaser –
Mortgagor
Cx4131 Agents, employees,
officials of lending, or
other institutions
Both
Not specified,
but practically a
purchase money
loan
Not specified Not specified Fla. Stat. Ann. §
627.798; Fla. Admin.
Code Ann. r. 69O-
186.002
Administrative
Property of Docutech, LLC Page 65 Version 18.03
Florida (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
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
Property of Docutech, LLC Page 66 Version 18.03
Florida (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure FL Interest Rate
Lock Agreement
Cx13498 A licensed mortgage
lender under Part 3 of
Chapter 494, Title 33
(Fla. Stat. Ann. §§
494.006 through
494.0077), though the
agreement may be
given via a broker
Both
A mortgage loan A dwelling (as
defined in
Section 103[w] of
TILA), residential
real estate upon
which a dwelling
is to be
constructed,
commercial real
property, or
improved real
property
consisting of 5 or
more dwelling
units
Not specified Fla. Stat. Ann. §
494.0069; Fla. Admin.
Code r. 69V-40.155 &
69V-40.260(2)(d)
No
Initial Disclosure FL Commitment
Letter
Cx18169 A licensed mortgage
lender under Part 3 of
Chapter 494, Title 33
(Fla. Stat. Ann. §§
494.006 through
494.0077)
Lenders
A mortgage loan 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. §§
494.007 & 494.0071;
Fla. Admin. Code r.
69V-40.260(2)(e)
Partial Statutory
Property of Docutech, LLC Page 67 Version 18.03
Florida (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure FL Depository
Institution
Insurance
Disclosure
UR Federally insured or
state-insured
depository institutions
and credit unions
Both
An extension of
credit
Not specified Prior to the sale of
any insurance
policy, but
generally
excluding private
mortgage
insurance and
credit life and
disability
insurance
Fla. Stat. Ann. §
626.9551(2)(b)
Unfair Insurance Trade
Practices Act
No
Initial Disclosure CSO Information
Statement
UR A credit services
organization (CSO)
Brokers
An extension of
credit for
consumer
purposes
Not specified Upon execution of
a contract
between the CSO
and the consumer
or before receipt
by the CSO of any
consideration,
whichever comes
first
Fla. Stat. Ann. §§
817.702 & 817.703
No
Initial Disclosure CSO Contract UR A credit services
organization (CSO)
Brokers
An extension of
credit for
consumer
purposes
Not specified Not specified Fla. Stat. Ann. §
817.704
Statutory
Property of Docutech, LLC Page 68 Version 18.03
Florida (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
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
(Fla. Stat. Ann. §§
494.006 through
494.0077)
Both
A mortgage loan 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
Within 3 business
days after a
licensee under
Part III, Chapter
494 of Florida’s
Annotated Statues
receives a written
loan application.
Fla, Stat. Ann. §
494.0067(8); Fla.
Admin. Code r. 69V-
40.260(2)(a)
12 CFR Pt. 1026,
App. H; Form H-3
Closing Florida Radon
Gas Notification
Cx9541 (upon
request)
Not specified
Both
Not specified A building At the time of or
prior to contract
for sale and
purchase of any
building.
Fla. Stat. Ann. §
404.056(5)
Florida Radiation
Protection Act
Statutory
Click here for Table of Contents
Property of Docutech, LLC Page 69 Version 18.03
Click here for Table of Contents
Georgia (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Anti-Coercion
Insurance
Disclosure
Cx2778 An insurer or agent of
same
Both
A financing of
real property
Real property Not specified Ga. Code Ann. §
33-6-4(b)(11)
Georgia
Insurance Code
No
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
Cx4235 A creditor
Both
A high-cost home
loan which
refinances a
special home
loan
consummated
with the prior 5
years
Real estate upon
which is located a
1-to-4 family,
borrower-
occupied
principal dwelling
Not specified Ga. Code Ann. §
7-6A-4
Georgia Fair
Lending Act
No
Property of Docutech, LLC Page 70 Version 18.03
Georgia (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Good Faith
Estimate 01-01-10
and
Acknowledgment
of Receipt of GFE
and TIL 01-01-10
Cx14221 &
Cx14600 (both
Federal)
A licensed or
registered lender or
broker under the
Georgia Residential
Mortgage Act
Both
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
Cx15969 (upon
request)
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
Not specified Ga. Code Ann. §§
7-1-1000(16), 7-
1-1021, & 13-5-
30(7)
Georgia
Residential
Mortgage Act
No
Initial Disclosure GA Advanced
Fee/Application
Disclosure
Cx2783
Any person, mortgage
lender or broker
required to be licensed
or registered under
Article 13 of the
Financial Institutions
Code of Georgia
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
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
Property of Docutech, LLC Page 71 Version 18.03
Georgia (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure,
Pre-closing,
Redisclsoure, &
TILA Redisclosure
GA
Acknowledgment
of receipt
Cx19978 A licensee or registrant
under the Georgia
Residential Mortgage
Act
Both
Either: (1) a
mortgage loan; or
(2) a residential
mortgage loan
Either: (1) a 1-to-
4 family
residential
property that is
the primary
residence of a
natural person; or
(2) A dwelling (as
defined in Section
103[w] of TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling,
consisting of 1-
to-4 units
Before accepting
any application,
property
appraisal, credit
report, or any
other third-party
fee
Ga. Comp. R &
Regs. R. 80-11-1-
1.01
No
Initial Disclosure,
Processing,
Underwriting, &
Closing
NMLS Unique
Identifier Disclosed
on 1003 Uniform
Residential Loan
Application
On Cx4193
(FNMA/FHLMC)
A person originating a
residential mortgage
loan
Both
A residential
mortgage loan
A dwelling (as
defined in Section
103[w] of TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling,
consisting of 1-
to-4 units
On the
application
Ga. Code Ann. §
7-1-1004.3
Georgia
Residential
Mortgage Act
FNMA 1003 Form -
Uniform Residential
Loan Application
Property of Docutech, LLC Page 72 Version 18.03
Georgia (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Closing On all Notes and
Georgia Security
Deeds
On Cx5
(FNMA/FHLMC),
all other Notes,
and Cx318
(FNMA/FHLMC),
371 (FHA), 477,
and 1406
Not specified
Both
A high-cost home
loan
Real estate upon
which is located a
1-to-4 family,
borrower-
occupied
principal dwelling
Not specified Ga. Code Ann. §
7-6A-5(15)
Georgia Fair
Lending Act
Statutory
FNMA Form 3200 –
Multistate Fixed-
Rate Note
FNMA Form 3011 -
Georgia
Closing GA Affidavit of
Exemption Form
Withholding Seller
Cx1010 Not specified
Both
A sale or transfer
of real property
of $20,000 or
more.
Real property Not specified Ga. Code Ann. §
48-7-128; Ga.
Comp. R. & Regs.
r. 560-7-8-.34 &
560-7-8-.35
Georgia Public
Revenue Code
Form AFF3 Seller's
Certificate of
Exemption
Closing GA Foreclosure
Disclosure
Cx1011 Either: (1) a licensed or
registered lender under
the Georgia Residential
Mortgage Act; or (2) a
licensed or registered
broker under the same
Act, in connection with
a table-funded
transaction
Both
A mortgage loan A 1-to-4 family
residential
property, which is
the primary
residence of a
natural person,
but does not
include rental
property or
second homes
At or before the
time of closing
Ga. Code Ann. §
7-1-1014(3); Ga.
Comp. R. & Regs.
r. 80-11-1-.01(9)
Georgia
Residential
Mortgage Act
Administrative
Closing GA Application for
Homestead Tax
Exemption
Cx1016 Not specified
Both
Not specified A homestead Not specified Ga. Code Ann. §§
48-5-44 & 48-5-
45
Georgia Public
Revenue Code
Application for
Homestead
Exemption
Property of Docutech, LLC Page 73 Version 18.03
Georgia (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Closing GA Fair Market
Property Values
Affidavit
Cx15037 The holder of the note
Both
A long-term note
secured by real
estate, in which
any part of the
principal falls due
more than 3 years
from the date of
the note
Real property
located in more
than one county
At recording Ga. Code Ann. §
48-6-69(a)
Georgia Public
Revenue Code
No
Click here for Table of Contents
Property of Docutech, LLC Page 74 Version 18.03
Click here for Table of Contents
Hawaii (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Anti-Coercion
Insurance
Disclosure
Cx2778 Every person who lends
money or extends
credit and who solicits
insurance.
Both
A loan of money
or an extension of
credit
Not specified Not specified Haw. Rev. Stat.
Ann. § 431:13-
104(c)
Insurance Code
No
Initial Disclosure Addendum to
Loan Application
Cx13441 Not specified
Both
Not specified Not specified Not specified, but
practically at
application
Haw. Rev. Stat. §
572B-9
No
Initial Disclosure HI Public
Information
Notice
Cx16995 A financial institution,
mortgagee, lender,
business entity,
organization, or person
who intends to use the
power of sale
foreclosure
Both
A loan secured by
residential
property
Residential
property
Within 3 business
days after the
application is
submitted or
within 3 business
days after the
property is
required to be
secured
Haw. Rev. Stat. §
667-41
Statutory
Initial Disclosure HI Commitment
Agreement
Cx18836 (upon
request)
A lender
Lenders
A loan or
extension of
credit
Not specified Before soliciting
insurance
Haw. Rev. Stat. §
431:13-104(b)(1)
Insurance Code
No
Initial Disclosure HI Credit Life
Insurance
18837 (upon
request)
A creditor
Lenders
Any indebtedness
in which credit life
insurance or
credit disability
insurance is
required, which
has a duration of
10 years or less
Not specified When credit life
insurance or
credit disability
insurance is
required.
Haw. Rev. Stat. §
431:10B-112
Insurance Code
No
Property of Docutech, LLC Page 75 Version 18.03
Hawaii (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure,
TILA Redisclosure,
& Closing
Initial and Closing
Truth-in-Lending
Disclosures
Cx18 (Federal)
& Cx1591
(Federal)
Either: (1) a financial
services loan company;
or (2) a creditor
Both
Either: (1) a pre-
computed or
simple interest
loan; or (2) a
consumer credit
transaction that,
generally, does
not exceed
$250,000, but
generally
excluding a first
lien and a
purchase-money
junior mortgage
lien
Not specified, but
includes real
property used as
the borrower’s
principal dwelling
Various times Haw. Rev. Stat. §§
412:9-302 & 478-
4(b)
12 CFR Pt. 1026,
App. H; Form H-2
Initial Disclosure,
Processing,
Underwriting, &
Closing
NMLS Unique
Identifier
Disclosed on 1003
Uniform
Residential Loan
Application
On Cx4193
(FNMA/FHLMC)
Any person originating
a residential mortgage
loan
Both
Residential
mortgage loan
A dwelling (as
defined in Section
103[w] of TILA) or
residential real
estate, upon
which a dwelling
is (or is intended
to be)
constructed
On the
application
Haw. Rev. Stat.
Ann. § 454F-19
Secure and Fair
Enforcement for
Mortgage
Licensing Act
FNMA 1003 Form -
Uniform Residential
Loan Application
Click here for Table of Contents
Property of Docutech, LLC Page 76 Version 18.03
Click here for Table of Contents
Idaho (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
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
to be)
constructed such
a dwelling
Upon receipt of
application, but
before receiving
any money from a
borrower
Idaho Admin.
Code r.
12.01.10.050(1)
Idaho Residential
Mortgage
Practices Act
Idaho-required
Model Application
Forms and
Disclosures
Initial Disclosure Anti-Coercion
Insurance
Disclosure
Cx2778 A person engaged in
the business of
financing the purchase
of real property.
Both
Purchase loan Real property Not specified Idaho Code Ann.
§§ 41-1310 & 41-
1312
Idaho Insurance
Code
No
Initial Disclosure ID Commitment
Agreement
Cx16367 (upon
request)
A person or entity
engaged in the
business of lending
money or extending
credit
Both
A loan of money
or an extension of
credit of $50,000
or more.
Not specified Not specified Idaho Code Ann.
§ 9-505(5)
No
Property of Docutech, LLC Page 77 Version 18.03
Idaho (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure ID Notice of
Financial Interest
in Title Company
Cx18886 A producer of a title
business, including
mortgage brokers and
lenders, who has a
financial interest in the
title entity providing
title services
Both
Loans by interest
in real property
Real property At the time the
sales and/or
purchase contract
is entered into
Idaho Admin.
Code r.
18.01.39.011 &
.012
Rebates and
Illegal
Inducements in
Title Insurance
Business
Administrative
Initial Disclosure,
TILA Redisclosure,
& Closing
Initial Truth-in-
Lending
Disclosure and
Good Faith
Estimate 01-01-10
Cx18 (Federal),
Cx1591
(Federal), &
Cx14221
(Federal)
Either: (1) a licensee
under the Idaho
Residential Mortgage
Practices Act (Idaho
Code Ann. §§ 26-31-
101 through 26-31-
321); or (2) a person
subject to the Federal
Consumer Credit
Protection Act (15
USCA §§ 1601 et seq.)
Both
Either: (1) a
residential
mortgage loan; or
(2) a credit
transaction
subject to the
Federal Consumer
Credit Protection
Act
Either: (1) a
dwelling (as
defined in Section
103[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
Property of Docutech, LLC Page 78 Version 18.03
Idaho (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure,
Processing,
Underwriting, &
Closing
NMLS Unique
Identifier
Disclosed on 1003
Uniform
Residential Loan
Application
On Cx4193
(FNMA/FHLMC)
Any person engaged in
the origination of a
residential mortgage
loan
Both
A residential
mortgage loan
A dwelling (as
defined in Section
103[w] of TILA) or
on residential real
estate upon which
is (or is intended
to be)
constructed such
a dwelling
On the
application
Idaho Code Ann.
§ 26-31-320
Idaho S.A.F.E.
Mortgage
Licensing Act
FNMA 1003 Form -
Uniform Residential
Loan Application
Initial Disclosure &
Closing
ID Reserve
Account
Disclosure
Cx10170 A mortgage company
Both
A residential
mortgage loan, in
which an
impound or
escrow account is
maintained
Residential real
property
Not specified Idaho Code Ann.
§ 26-2807
Mortgage
Company Act
No
Initial Disclosure &
Closing
Good Faith
Estimate 01-01-10
and HUD-1 01-01-
10
Cx14221
(Federal) &
Cx14753
(Federal)
Any person or
individual subject to
the Idaho S.A.F.E.
Mortgage Licensing
Act (Idaho Code Ann.
§§ 26-31-301 through
26-31-321)
Both
A residential
mortgage loan
A dwelling (as
defined in Section
103[w] of TILA) or
on residential real
estate upon which
is (or is intended
to be)
constructed such
a dwelling
Before accepting
any fees at
closing
Idaho Code Ann.
§ 26-31-317(19)
Idaho S.A.F.E.
Mortgage
Licensing Act
12 CFR Pt. 1024,
App. A & C
Click here for Table of Contents
Property of Docutech, LLC Page 79 Version 18.03
Click here for Table of Contents
Illinois (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure IL Right to
Choose Title
Cx1097 A person, firm,
corporation,
partnership, or
association which may
extend credit or make
a loan.
Both
An extension of
credit or a loan
secured by an
interest in real
estate
Real estate which
shall have a
single family
residence or
residential condo
unit occupied (or
to be occupied)
as a principal
residence by the
borrower or
beneficiary
Not specified 815 Ill. Comp. Stat.
Ann. 505/2T
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
A residential
mortgage loan
A dwelling (as
defined in
Section 103[w] of
TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
Before the
borrower signs
the application,
or gives the
licensee any
consideration
(whichever comes
first)
Ill. Admin. Code tit.
38, § 1050.1110(a)
& (i)
Residential
Mortgage License
Act of 1987
Partial
Administrative
Property of Docutech, LLC Page 80 Version 18.03
Illinois (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure IL Mortgage
Escrow Account
Act
Cx1207 A licensee under the
Residential Mortgage
License Act of 1987
(205 Ill. Comp. Stat.
Ann. 635)
Both
A residential
mortgage loan,
which is a
purchase loan,
but not FHA-
insured or VA-
guaranteed and
in which there is
a certainly that an
escrow account
will not be
established
A dwelling (as
defined in
Section 103[w] of
TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling, but
which is also a
single-family
security, owner-
occupied real
estate
Before the
borrower signs
the application,
or pays any
consideration
(whichever comes
first).
765 Ill. Comp. Stat.
Ann. 910; Ill. Admin.
Code tit. 38, §§
1050.1110(f) &
1050.1360(a)(1)
Residential
Mortgage License
Act of 1987
Mostly Statutory
Initial Disclosure IL Mortgage
Awareness
Program Notice
Cx1902 A lender
Both
A high risk home
loan
A borrower’s
principal
residence
Prior to making a
high risk home
loan
815 Ill. Comp. Stat.
Ann. 137/110(f)
High Risk Home
Loan Act
Notice Mortgage
Awareness Program
Initial Disclosure IL Mortgage
Awareness Waiver
Cx1903 A lender
Both
A high risk home
loan
A borrower’s
principal
residence
No less than 2
business days
after the
borrower receives
Cx1902
815 Ill. Comp. Stat.
Ann. 137/110(h)
High Risk Home
Loan Act
Waiver of
Participation in
Mortgage
Awareness Program
Property of Docutech, LLC Page 81 Version 18.03
Illinois (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure IL Loan Brokerage
Disclosure
Statement
Cx1908 A licensee under the
Residential Mortgage
License Act of 1987
(205 Ill. Comp. Stat.
Ann. 635)
Brokers
A residential
mortgage loan
A dwelling (as
defined in
Section 103[w] of
TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
Before the
borrower signs a
loan brokerage
agreement or
pays any
consideration
(whichever comes
first)
Ill. Admin. Code tit.
38, § 1050.1020
Residential
Mortgage License
Act of 1987
No
Initial Disclosure IL Loan Brokerage
Agreement
Cx1909 A licensee under the
Residential Mortgage
License Act of 1987
(205 Ill. Comp. Stat.
Ann. 635) who perform
loan brokering services
Brokers
A residential
mortgage loan
A dwelling (as
defined in
Section 103[w] of
TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
Before the
borrower signs
the application,
or pays any
consideration
(whichever comes
first)
Ill. Admin. Code tit.
38, §§ 1050.1010,
1050.1170,
1050.1335, &
1050.1340
Residential
Mortgage License
Act of 1987
No
Initial Disclosure Advanced
Fee/Application
Disclosure
Cx2783 A licensee under the
Residential Mortgage
License Act of 1987
(205 Ill. Comp. Stat.
Ann. 635)
Both
A residential
mortgage loan
A dwelling (as
defined in
Section 103[w] of
TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
Not specified Ill. Admin. Code tit.
38, §§ 1050.1335(a)
& 1050.1340
Residential
Mortgage License
Act of 1987
No
Property of Docutech, LLC Page 82 Version 18.03
Illinois (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure IL Required
Underwriting
Documentation
Cx4558 A licensee under the
Residential Mortgage
License Act of 1987
(205 Ill. Comp. Stat.
Ann. 635)
Both
A residential
mortgage loan
A dwelling (as
defined in
Section 103[w] of
TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
At the time of
application
Ill. Admin. Code tit.
38, § 1050.1120
Residential
Mortgage License
Act of 1987
No
Initial Disclosure IL GFE Charges
Paid by Seller
Cx13000 A licensee under the
Residential Mortgage
License Act of 1987
(205 Ill. Comp. Stat.
Ann. 635)
Both
A FHA-insured or
VA-guaranteed
residential
mortgage loan
A dwelling (as
defined in
Section 103[w] of
TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
At the time of
application
Ill. Admin. Code tit.
38, § 1050.1320(b)
Residential
Mortgage License
Act of 1987
No
Initial Disclosure IL Notice to
Borrower
Cx13001 A lender
Both
A high risk home
loan
A borrower’s
primary residence
Before offering or
making a high
risk home loan
and not later than
3 business days
before closing.
815 Ill. Comp. Stat.
Ann. 137/95
High Risk Home
Loan Act
Statutory
Property of Docutech, LLC Page 83 Version 18.03
Illinois (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Addendum to
Loan Application
Cx13441 Either: (1) not specified;
or (2)
a licensee under the
Residential Mortgage
License Act of 1987
(205 Ill. Comp. Stat.
Ann. 635)
Both
Either: (1) not
specified; or (2)
a residential
mortgage loan
Either: (1) not
specified; or (2)
a dwelling (as
defined in
Section 103[w] of
TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
With forms
furnished for
application by
750 Ill. Comp. Stat.
Ann. 75/20 ; 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
Cx14101 A licensee under the
Residential Mortgage
License Act of 1987
(205 Ill. Comp. Stat.
Ann. 635)
Both
A residential
mortgage loan
A dwelling (as
defined in
Section 103[w] of
TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
Not specified, but
practically before
closing
Ill. Admin. Code tit.
38, §
1050.1335(a)(2);
Dep’t of Fin. & Prof.
Reg. Bulletin
WD99/2
Residential
Mortgage License
Act of 1987
No
Property of Docutech, LLC Page 84 Version 18.03
Illinois (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure IL Pledged Time
Deposit Account
Disclosure –
Example
Cx14180 A licensee under the
Residential Mortgage
License Act of 1987
(205 Ill. Comp. Stat.
Ann. 635)
Both
A residential
mortgage loan,
which is for the
purchase of the
property, but
which is not for
either FHA-
insured or VA-
guaranteed
A dwelling (as
defined in
Section 103[w] of
TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling, which is
also owner-
occupied, single-
family real estate
Before an
applicant signs
the application or
gives the licensee
any
consideration,
whichever comes
first
765 Ill. Comp. Stat.
Ann. 910/6; Ill.
Admin. Code tit. 38,
§ 1050.1110(f)
Mortgage Escrow
Account Act and
Residential
Mortgage License
Act of 1987
No
Initial Disclosure IL Loan Approval
Notice
Cx14271 (upon
request)
A licensee under the
Residential Mortgage
License Act of 1987
(205 Ill. Comp. Stat.
Ann. 635)
Both
A residential
mortgage loan
A dwelling (as
defined in
Section 103[w] of
TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
Immediately
upon approval of
a residential
mortgage loan
application
Ill. Admin. Code tit.
38, § 1050.1305
Residential
Mortgage License
Act of 1987
No
Initial Disclosure High Cost
Tangible Net
Benefit
Worksheet
Cx15773 A lender
Both
A high risk home
loan
A borrower’s
principal
residence
Not specified 815 Ill. Comp. Stat.
Ann. 137/45
High Risk Home
Loan Act
No
Property of Docutech, LLC Page 85 Version 18.03
Illinois (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure IL Notice of
Independent
Review
Cx16096 A lender
Both
A high risk home
loan
A borrower’s
primary residence
Not specified 815 Ill. Comp. Stat.
Ann. 137/125
High Risk Home
Loan Act
Notice of
Independent
Review
Initial Disclosure IL Notice of
Material Change
in Loan Terms
Cx16217 (upon
request)
A licensee under the
Residential Mortgage
License Act of 1987
Both
A residential
mortgage loan
A dwelling (as
defined in
Section 103[w] of
TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
No later than 3
days after
learning of the
change or 24
hours before
closing,
whichever is
earlier
205 Ill. Comp. Stat.
Ann. 635/5-9
Residential
Mortgage License
Act of 1987
No
Initial Disclosure IL Disclosure of
Refinancing
Options
Cx16232 (upon
request)
A licensee under the
Residential Mortgage
License Act of 1987
Both
A residential
mortgage loan
A dwelling (as
defined in
Section 103[w] of
TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
When the subject
of a future loan is
discussed
205 Ill. Comp. Stat.
Ann. 635/5-12
Residential
Mortgage License
Act of 1987
No
Property of Docutech, LLC Page 86 Version 18.03
Illinois (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
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
Cx1875 A financial institution
Both
A refinancing
loan
A borrower’s
principal
residence,
consisting of
either 1-to-4
family units or a
dwelling
consisting of
condo or coop
units
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
Cx1013 A licensee under the
Residential Mortgage
License Act of 1987
(205 Ill. Comp. Stat.
Ann. 635)
Both
A residential
mortgage loan
A dwelling (as
defined in
Section 103[w] of
TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
After a loan fails
to close
Ill. Admin. Code tit.
38, § 1050.1355
Residential
Mortgage License
Act of 1987
No
Property of Docutech, LLC Page 87 Version 18.03
Illinois (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure &
Closing
IL Private
Mortgage
Insurance
Disclosure
Cx1311 A mortgagee
Both
A mortgage, in
connection with
which private
mortgage
insurance may be
required, but not
FHA-insured or
VA-guaranteed
loans
The principal,
single family
residence of the
mortgagor
Not specified 765 Ill. Comp. Stat.
Ann. 930/15
Mortgage
Insurance
Limitation and
Notification Act
No
Initial Disclosure &
Adverse Action
IL Failure to
Qualify Notice
Cx1603 A licensee under the
Residential Mortgage
License Act of 1987
(205 Ill. Comp. Stat.
Ann. 635)
Both
A residential
mortgage loan
A dwelling (as
defined in
Section 103[w] of
TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
Immediately after
determining that
a borrower does
not qualify for the
loan applied for
and the costs of
another
recommended
program
materially differ
Ill. Admin. Code tit.
38, § 1050.1230(a)
Residential
Mortgage License
Act of 1987
No
Initial Disclosure &
Adverse Action
IL Notice of
Change Affecting
Loan
Cx1605 A licensee under the
Residential Mortgage
License Act of 1987
(205 Ill. Comp. Stat.
Ann. 635)
Both
A residential
mortgage loan
A dwelling (as
defined in
Section 103[w] of
TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
When a notice is
received from a
secondary market
underwriter, an
investor, the FHA,
or the VA, that
materially affects
a loan in process
Ill. Admin. Code tit.
38, § 1050.1230(b)
Residential
Mortgage License
Act of 1987
No
Property of Docutech, LLC Page 88 Version 18.03
Illinois (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure,
Processing,
Underwriting, &
Closing
NMLS Unique
Identifier
Disclosed on 1003
Uniform
Residential Loan
Application
On Cx4193
(FNMA/FHLMC)
Any person originating
a residential mortgage
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
205 Ill. Comp. Stat.
Ann. 635/7-14
Residential
Mortgage License
Act of 1987
FNMA 1003 Form -
Uniform Residential
Loan Application
Initial Disclosure &
Closing
IL Notice of
Material Facts
Cx16231 (upon
request)
A mortgage broker,
who is licensed under
the Residential
Mortgage License Act
of 1987 (205 Ill. Comp.
Stat. Ann. 635)
Both
A residential
mortgage loan
A dwelling (as
defined in
Section 103[w] of
TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
Not specified 205 Ill. Comp. Stat.
Ann. 635/5-7(a)(3)
Residential
Mortgage License
Act of 1987
No
Closing Homestead
Waiver in IL
Mortgage
On Cx323
(FNMA/FHLMC),
Cx376 (FHA),
Cx481, &
Cx1357
Not specified, but
practically a mortgagee
Both
A loan secured by
a mortgage
A homestead In the mortgage 735 Ill. Comp. Stat.
Ann. 5/12-904; 765
Ill. Comp. Stat. Ann.
5/11 & 5/27
Conveyances Act
Statutory
FNMA Form 3014 -
Illinois
Property of Docutech, LLC Page 89 Version 18.03
Illinois (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Closing IL Escrow Account
Disclosure
Agreement
Cx1012 A licensee under the
Residential Mortgage
License Act of 1987
(205 Ill. Comp. Stat.
Ann. 635)
Both
A primary lien,
residential
mortgage loan
which provides
for an escrow
account
A dwelling (as
defined in
Section 103[w] of
TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
At closing Ill. Admin. Code tit.
38, § 1050.1360(b)
Residential
Mortgage License
Act of 1987
No
Closing IL Pledged Time
Deposit Account
Disclosure
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
which is not for
either FHA-
insured or VA-
guaranteed
Either: (1) a
residence; or (2) a
dwelling (as
defined in
Section 103[w] of
TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling, which is
also owner-
occupied, single-
family real estate
At closing 765 Ill. Comp. Stat.
Ann. 910/6; Ill.
Admin. Code tit. 38,
§ 1050.1360(a)(1)
Mortgage Escrow
Account Act and
Residential
Mortgage License
Act of 1987
No
Closing IL Collateral
Protection Act
Notice
Cx1302 A creditor
Both
A credit
transaction
Property In or with the
credit agreement
815 Ill. Comp. Stat.
Ann. 180/10(3)
Collateral
Protection Act
Statutory
Property of Docutech, LLC Page 90 Version 18.03
Illinois (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Closing IL First Payment
Letter Enhanced
Fees
Cx7606
(Upon Request)
A servicer
Both
A residential
mortgage loan
Not specified At least 15 days
before the first
payment it due
38 Ill. Adm. Code
1050.810
Statutory
Closing IL Mortgage
Escrow Account
Act Applicability
Cx14127 A licensee under the
Residential Mortgage
License Act of 1987
(205 Ill. Comp. Stat.
Ann. 635), which is also
not a lender required
to comply with the
Mortgage Escrow
Account Act (765 Ill.
Comp. Stat. Ann. 910)
Both
A residential
mortgage loan,
which is for the
purchase of the
property, but
which is not for
either FHA-
insured or VA-
guaranteed, or in
which an escrow
account or other
specific
arrangement for
payment of taxes
is made
A dwelling (as
defined in
Section 103[w] of
TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling, which is
also owner-
occupied, single-
family real estate
At closing Ill. Admin. Code tit.
38, §
1050.1360(a)(2)
Residential
Mortgage License
Act of 1987
No
Closing IL Mortgage
Escrow Account
Act
Cx16095 Not specified, but
practically a mortgage
lender
Lenders
A purchase loan A residence At closing 765 Ill. Comp. Stat.
Ann. 910/11
Mortgage Escrow
Account Act
Mostly Statutory
Property of Docutech, LLC Page 91 Version 18.03
Illinois (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Closing Notice of
Servicing Transfer
Cx17905
(Federal)
A licensee under the
Residential Mortgage
License Act of 1987
(205 Ill. Comp. Stat.
Ann. 635)
Both
A residential
mortgage loan
A dwelling (as
defined in
Section 103[w] of
TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
Simultaneous
with the transfer
of servicing
205 Ill. Comp. Stat.
Ann. 635/3-7; Ill.
Admin. Code tit. 38,
§ 1050.820
Residential
Mortgage License
Act of 1987
12 CFR Pt. 1024,
MS-2
Click here for Table of Contents
Property of Docutech, LLC Page 92 Version 18.03
Click here for Table of Contents
Indiana (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Anti-Coercion
Insurance
Disclosure
Cx2778 Either: (1) a creditor; or
(2) not specified
Both
Either: (1) a
consumer loan,
which generally
excludes first lien
mortgage
transactions; or
(2) a mortgage
loan
Either: (1) an
interest in land
used (or expected
to be used) as the
debtor’s principal
dwelling; or (2)
real property
Not specified Ind. Code Ann. §§
24-4.5-4-109 and
27-4-1-4(a)(9) &
(12)
Uniform
Consumer Credit
Code - Insurance
No
Initial Disclosure IN Mortgage
Broker Agreement
Cx3828 Either: (1) a loan broker
licensed under Chapter
5, Article 2, Title 23 of
Indiana’s Code; or (2) a
licensee supervised by
the Indiana Securities
Commission.
Brokers
Either: (1) a
residential
mortgage loan; or
(2) a loan
A dwelling (as
defined in Section
103[w] of TILA) or
residential real
estate on which a
dwelling is (or is
intended to be)
constructed
Within 3 business
days of the time
an application for
a loan is made to
a licensee
Ind. Code Ann. §§
23-2-5-9 & 23-2-
5-23; Ind. Admin.
Code tit. 710, r. 1-
22-5
Approved Indiana
Loan Broker
Agreement
Initial Disclosure IN Notice to
Borrower
Cx13003 A creditor
Both
A high cost home
loan
Real estate, on
which there is (or
will be) located a
structure or
structures
designed
primarily for 1-to-
4 families and
that is (or will be)
the borrower’s
principal dwelling
Not later than 3
business days
prior to
consummation
Ind. Code Ann. §
24-9-4-11
Statutory
Property of Docutech, LLC Page 93 Version 18.03
Indiana (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure IN Notice to
Borrower
Cx14601 A creditor
Both
A mortgage loan,
including most of
the usual loans
regulated by
Indiana law (see
Ind. Code Ann. §
24-5-23.5-4 for
details)
Real property Not later than 3
business days
after receiving a
completed
written
application
Ind. Code Ann. §
24-5-23.5-8
Borrower Notice
Form
Initial Disclosure Cost of Insurance
Disclosure
Cx16488 A lender
Lenders
A consumer loan,
which generally
excludes first lien
mortgage
transactions
An interest in land
used (or expected
to be used) as the
debtor’s principal
dwelling
Not specified, but
practically before
charging for
optional
consumer credit
insurance
Ind. Code Ann. §
24-4.5-3-202(2)
Uniform
Consumer Credit
Code - Loans
No
Initial Disclosure
IN Commitment
Agreement
Cx18838 A creditor
Both
Credit Agreement Not specified Not specified Ind. Code Ann.
§26-2-9-4
No
Initial Disclosure CSO Information
Statement
UR A credit services
organization (CSO)
Brokers
An extension of
credit for
consumer
purposes
Not specified Before executing
a contract or
agreement with a
buyer or receiving
money or other
valuable
consideration
Ind. Code Ann. §
24-5-15-6
No
Initial Disclosure CSO Contract UR A credit services
organization (CSO)
Brokers
An extension of
credit for
consumer
purposes
Not specified Not specified Ind. Code Ann. §
24-5-15-7
Statutory
Property of Docutech, LLC Page 94 Version 18.03
Indiana (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure &
TILA Redisclosure
Consumer Loan
Information in
Truth-in-Lending
Disclosures
In Cx18, Cx1591,
and other TILA
Disclosures
A lender
Both
A consumer loan An interest in land
used (or expected
to be used) as the
debtor’s principal
dwelling
Various times Ind. Code Ann. §
24-4.5-3-301(2)
Uniform
Consumer Credit
Code - Loans
12 CFR Pt. 1026,
App. H; Form H-2
Initial Disclosure,
Processing,
Underwriting, &
Closing
NMLS Unique
Identifier
Disclosed on 1003
Uniform
Residential Loan
Application
On Cx4193
(FNMA/FHLMC)
Either: (1) a licensee
under the First Lien
Mortgage Lending Act
– Miscellaneous; or (2)
a person originating a
mortgage transaction
Both
Either: (1) a first
lien mortgage
transaction; or (2)
a mortgage
transaction (a
consumer loan)
A 1-to-4 unit
dwelling or
residential real
estate upon
which a dwelling
is constructed or
intended to be
constructed
On the
application
Ind. Code Ann. §
24-4.4-2-405(2);
750 Ind. Admin.
Code 9-4-1(b)
First Lien
Mortgage
Lending Act -
Miscellaneous
FNMA 1003 Form -
Uniform Residential
Loan Application
Closing High Cost Home
Loan Legend,
Document
Preparation
Disclosure, and
Social Security
Redactment
Affirmation on IN
Mortgage
On Cx324
(FNMA/FHLMC),
Cx377 (FHA),
Cx482, &
Cx1381
Either: (1) not specified;
or
(2) an individual
Both
Either: (1) a high
cost home loan;
or (2) not
specified
Either: (1) real
estate, on which
is (or will be)
located a
structure
designed
principally for
occupancy from
1-to-4 families
and that is (or will
be) occupied by
the borrower’s
principal dwelling;
or (2) not
specified
Not specified, but
practically at
closing
Ind. Code Ann. §§
24-9-4-1(1)(6) &
36-2-7.5-5
Statutory
FNMA Form 3015 -
Indiana
Property of Docutech, LLC Page 95 Version 18.03
Indiana (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Closing IN Property Tax
Benefits (THIS
FORM MUST BE
PRINTED ON
YELLOW OR GOLD
PAPER)
Cx14885 Either: (1) a closing
agent; or (2) a lender
Both
Either: (1) a first
lien purchase
money mortgage
or refinancing
transaction; or (2)
a consumer loan,
which generally
excludes first lien
mortgage
transactions
Either: (1) single
family residential
property; or (2) an
interest in land
used or expected
to be used as the
principal dwelling
of the debtor,
consisting of 1-
to-4 units
Before closing a
transaction
Ind. Code Ann. §§
6-1.1-12-43 & 24-
4.5-3-701
Uniform
Consumer Credit
Code - Loans
Indiana Property
Tax Benefits - State
Form 51781
Closing Telephone Sales
Contract Notice
on All Notes and
Security
Instruments
Cx5
(FNMA/FHLMC),
Cx324
(FNMAlFHLMC),
Cx377 (FHA),
Cx482, Cx1381,
and others (all
upon request)
A seller
Both
A mortgage made
as a consequence
of a telephone
sales call (“cold
calling”)
Real estate At closing Ind. Code Ann. §
24-4.7-4-4(c); 11
Ind. Admin. Code
1-1-2 9
Statutory
Click here for Table of Contents
Property of Docutech, LLC Page 96 Version 18.03
Click here for Table of Contents
Iowa (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing Requirement Legal Reference Format
Initial Disclosure IA Payment
Reduction Fee
Disclosure
Cx1906 A lender
Both
A loan with a
payment
reduction fee,
but excluding
loans subject to
Iowa Code Ann. §
636.46 (federally
insured loans)
A 1-to-2 family,
dwelling
occupied (or to
be occupied) by
the borrower
Prior to accepting an
application
Iowa Code Ann. §
535.8(5)
No
Initial Disclosure Anti-Coercion
Insurance
Disclosure
Cx2778 Either: (1) a person; or
(2) a financial
institution
Both
Either: (1) a loan
of money or
extension of
credit; or (2) a
real estate
mortgage loan
Residential
property
containing (or to
contain) 1-to-4
family dwelling
units
Not specified Iowa Code Ann.
§§ 507B.5(1)(a) &
535A.9(1)(a)
No
Initial Disclosure IA Broker
Agreement
Cx5110 A loan broker
Brokers
A loan Not specified Not specified Iowa Code Ann.
§§ 535C.2(5) &
535C.7
Iowa Loan
Brokers Act
No
Initial Disclosure Addendum to
Loan Application
Cx13441 Not specified
Both
Not specified Not specified Not specified, but
practically at
application
Varnum v. Brien,
763 N.W.2d 862
No
Property of Docutech, LLC Page 97 Version 18.03
Iowa (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing Requirement Legal Reference Format
Initial Disclosure Cost of Insurance
Disclosure
Cx16488 A creditor
Lenders
A consumer
credit transaction
(consumer loan)
of $25,000 or
less, excluding a
first lien used to
purchase the
property,
refinance a
purchase loan, or
construct a
dwelling on the
property
Not specified Not specified, but
practically before
charging for consumer
credit insurance
Iowa Code Ann. §
537.2501(2)
Iowa Consumer
Credit Code –
Finance Charges
and Related
Provisions
No
Initial Disclosure CSO Information
Statement
UR A credit services
organization (CSO)
Brokers
An extension of
credit for
consumer
purposes
Not specified Before executing a
contract or agreement
with a buyer or
receiving money or
other valuable
consideration
Iowa Code Ann. §
538A.6
No
Initial Disclosure CSO Contract UR A credit services
organization (CSO)
Brokers
An extension of
credit for
consumer
purposes
Not specified Not specified Iowa Code Ann. §
538A.7
Statutory
Initial Disclosure IA Lock-In
Agreement
Cx20841
(upon request)
A lender
Both
Not specified Not specified Not specified Iowa Code Ann. §
535.17(1), (5)(c)
& (8)
Statutory
Initial Disclosure IA Commitment
Agreement
Cx20680 (upon
request)
A lender
Both
A loan of money
or a financed
transaction
Not specified On or after a written
agreement is executed
by the borrower
Iowa Code Ann. §
535.8(4)
Statutory
Property of Docutech, LLC Page 98 Version 18.03
Iowa (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing Requirement Legal Reference Format
Initial Disclosure,
TILA Redisclosure,
& Closing
TILA Disclosures Cx18, Cx1591,
and other TILA
Disclosures
A person
Both
A consumer
credit transaction
(consumer loan)
of $25,000 or
less, excluding a
first lien used to
purchase the
property,
refinance a
purchase loan, or
construct a
dwelling on the
property
Not specified Various times Iowa Code Ann. §
537.3201
Iowa Consumer
Credit Code –
Regulation of
Agreements and
Practices
12 CFR Pt. 1026,
App. H
Initial Disclosure,
Processing,
Underwriting, &
Closing
NMLS Number
Disclosed on 1003
Uniform
Residential Loan
Application
On Cx4193
(FNMA/FHLMC)
A person originating a
residential mortgage
loan
Both
A residential
mortgage loan
A dwelling (as
defined in
section 103[w] of
TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
On the application Iowa Code Ann. §
535D.19
Iowa Secure and
Fair Enforcement
for Mortgage
Licensing Act
FNMA 1003 Form -
Uniform
Residential Loan
Application
Initial Disclosure,
TILA Redisclosure,
& Closing
IA
Acknowledgement
of Receipt of
Copies
Cx15276 A lender or other
secured party
Both
A debt Not specified At the time a
document relating to
a debt is signed
Iowa Code Ann. §
535.16
No
Property of Docutech, LLC Page 99 Version 18.03
Iowa (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing Requirement Legal Reference Format
Closing Notice to
Consumer on IA
Mortgage Second
and Fixed Rate
Note Iowa Second
On Cx479 &
Cx1044
A creditor
Both
A consumer
credit transaction
(consumer loan)
of $25,000 or
less, excluding
both open end
credit and a first
lien used to
purchase the
property,
refinance a
purchase loan, or
construct a
dwelling on the
property
Not specified On any writing
evidencing a
consumer credit
transaction
Iowa Code Ann. §
537.3203
Iowa Consumer
Credit Code –
Regulation of
Agreements and
Practices
Statutory
Closing Homestead
Waiver on IA
Mortgage, IA
Mortgage FHA, IA
Mortgage Second,
and HELOC
Mortgage Less
than 25000 – IA
On Cx321
(FNMA/FHLMC),
Cx374 (FHA),
Cx479, &
Cx1377
Not specified, but
practically the lender
Both
Not specified A homestead On a written contract Iowa Code Ann. §
561.22(1)(a)
Statutory
FNMA Form 3016 -
Iowa
Property of Docutech, LLC Page 100 Version 18.03
Iowa (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing Requirement Legal Reference Format
Closing IA Oral Agreement
Disclosure
Cx1021 A lender
Both
A credit
agreement,
which is a
contract for a
loan, but cannot
be for open-end
and HELOC
loans, and the
loan amount
must exceed
$20,000
Not specified At or after the time
the credit agreement
is made.
Iowa Code Ann. §
535.17(2) & (3)
Statutory
Property of Docutech, LLC Page 101 Version 18.03
Closing IA Notice to
Cosigners
Cx1022 Not specified, but
practically by the
lender
Both
A consumer
credit transaction
(consumer loan)
that does not
exceed the
threshold
amount as
determined by
12 C.F.R.
§1026.3(b) (which
is currently
$54,600),
excluding a sale
or lease in which
the seller or
lessor allows the
buyer or lessee
to purchase or
lease pursuant to
a seller credit
card, a debt
which is secured
by a first lien on
real property, a
loan financed by
the Iowa finance
authority and
secured by a lien
on loan, or a
consumer rental
purchase
agreement.
Not specified Before or
contemporaneously
with signing any
agreement of
obligation or any
writing setting forth
the terms of the
debtor’s agreement
Iowa Code Ann. §
537.3208
Iowa Consumer
Credit Code –
Regulation of
Agreements and
Practices
Statutory
Property of Docutech, LLC Page 102 Version 18.03
Iowa (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing Requirement Legal Reference Format
Closing Consumer Credit
Transaction
Notice on Fixed
Rate Note Iowa
Second
On Cx1044 Not specified, but
practically by the
lender
Both
A consumer
credit transaction
(consumer loan)
of $25,000 or
less, excluding a
first lien used to
purchase the
property,
refinance a
purchase loan, or
construct a
dwelling on the
property
Not specified On the face of the
negotiable instrument
Iowa Code Ann. §
537.3211
Iowa Consumer
Credit Code –
Regulation of
Agreements and
Practices
Statutory
Closing HUD-1 01-01-10 Cx14222
(Federal)
A lender
Both
A loan, which is
for the purpose
of purchasing
the property or
for refinancing a
prior loan,
excluding loans
subject to Iowa
Code Ann. §
636.46 (federally
insured loans)
A 1-to-2 family,
dwelling
occupied (or to
be occupied) by
the borrower
Not specified, but
practically before
charging the disclosed
fees
Iowa Code Ann. §
535.8(2)(b)
12 CFR Pt. 1024,
App. A
Property of Docutech, LLC Page 103 Version 18.03
Iowa (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing Requirement Legal Reference Format
Closing Notice of
Servicing Transfer
Cx17905
(Federal)
Not specified, but
practically the original
creditor
Both
A consumer
credit transaction
(consumer loan)
of $25,000 or
less, excluding a
first lien used to
purchase the
property,
refinance a
purchase loan, or
construct a
dwelling on the
property
Not specified Not specified, but
practically before or at
the time the loan is
assigned
Iowa Code Ann. §
537.3204
Iowa Consumer
Credit Code –
Regulation of
Agreements and
Practices
12 CFR Pt. 1024,
App. MS-2
Click here for Table of Contents
Property of Docutech, LLC Page 104 Version 18.03
Click here for Table of Contents
Kansas (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure KS High LTV
Consumer Notice
Cx1595 A lender, excluding a
supervised financial
organization
Both
A consumer
credit transaction
(consumer loan),
which is either: (1)
a primary lien; or
(2) a junior lien,
either of which
have a LTV
exceeding 100%
A consumer’s
principal
residence
Not less than 3
days before the
loan is made
Kan. Stat. Ann. §
16a-3-207(3)(b) &
(4)
Revised Uniform
Consumer Credit
Code –
Regulation of
Agreements and
Practices
No
Initial Disclosure KS Borrower
Acknowledgment
Cx3585 A licensee (mortgage
company) under the
Kansas Mortgage
Business Act
Both
A mortgage loan A lot intended for
residential
purposes or a 1-
to-4 family
dwelling (as
defined in section
103[w] of TILA),
which is owner-
occupied
Before entering
into any contract
for services, or
receiving
compensation or
promises of
compensation.
Kan. Stat. Ann. §
9-2208(b); Kan.
Admin. Regs. §
17-24-1
Kansas Mortgage
Business Act
Mostly
Administrative
Initial Disclosure Loan Brokerage
Agreement
Cx3841 (upon
request)
A loan broker
registered under
Article 10, Chapter 50
of Kansas’ Statutes
Brokers
A loan Not specified Not specified Kan. Stat. Ann. §§
50-1007 & 50-
1015(a)(1)
No
Property of Docutech, LLC Page 105 Version 18.03
Kansas (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Anti-Coercion
Insurance
Disclosure
Cx4172 A creditor
Both
A consumer
credit transaction
(consumer loan),
which is either: (1)
a primary lien if
the LTV exceeds
100% or the APR
exceeds the code
mortgage rate; or
(2) a junior lien
Land 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
Article 10, Chapter 50
of Kansas’ Statutes
Brokers
A loan Not specified At least 7 days
before either a
contract for
services is signed
or consideration
is received,
whichever occurs
first
Kan. Stat. Ann. §
50-1006(a) & (b)
Partial Statutory
Property of Docutech, LLC Page 106 Version 18.03
Kansas (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
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
Either: (1) a
mortgage loan; or
(2) a residential
mortgage loan,
either of which
are made in
connection with
the sale of the
real estate
Either: (1) a lot
intended for
residential
purposes or a 1-
to-4 family
dwelling (as
defined in section
103[w] of TILA),
which is owner-
occupied; or (2) A
dwelling (as
defined in Section
103[w] of TILA) or
residential real
estate upon
which a dwelling
is (or is intended
to be)
constructed
Before receiving
compensation
Kan. Stat. Ann. §§
9-2212(g) & 16a-
2-310(e)
Kansas Mortgage
Business Act and
Uniform
Consumer Credit
Code – Finance
Charges and
Related
Provisions
No
Initial Disclosure Cost of Insurance
Disclosure
Cx16488 A creditor
Lenders
A consumer
credit transaction
(consumer loan),
which is either: (1)
a primary lien if
the LTV exceeds
100% or the APR
exceeds the code
mortgage rate; or
(2) a junior lien
Land Not specified, but
practically before
charging for
additional credit
insurance
Kan. Stat. Ann. §
16a-2-501(2)
Revised Uniform
Consumer Credit
Code – Finance
Charges and
Related
Provisions
No
Property of Docutech, LLC Page 107 Version 18.03
Kansas (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure KS Estimated
Disclosure
Document
Cx16584 (upon
request)
A loan broker
registered under
Article 10, Chapter 50
of Kansas’ Statutes
Brokers
A loan which is
also covered by
the Truth-in-
Lending Act (15
USCA §§ 1601
through 1667e)
Not specified Before the
borrower
becomes
contractually
obligated on the
loan
Kan. Stat. Ann. §
50-1006(d)
Partial Statutory
Initial Disclosure,
TILA Redisclosure,
& Closing
Various TILA
Disclosures
Cx18, Cx1591,
and other TILA
Disclosures (All
Federal)
A creditor
Both
A consumer
credit transaction
(consumer loan),
which is either: (1)
a primary lien if
the LTV exceeds
100% or the APR
exceeds the code
mortgage rate; or
(2) a junior lien
Land At various times Kan. Admin. Regs.
§ 75-6-26
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),
which is either: (1)
a primary lien if
the LTV exceeds
100% or the APR
exceeds the code
mortgage rate; or
(2) a junior lien
Land On the written
loan agreement
Kan. Stat. Ann. §
16a-3-202
Revised Uniform
Consumer Credit
Code –
Regulation of
Agreement and
Practices
Statutory
FNMA Form 3200 –
Multistate Fixed-
Rate Note
FNMA Form 3017 -
Kansas
Property of Docutech, LLC Page 108 Version 18.03
Kansas (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Closing KS UCCC
Addendum
Cx4448 A lender
Both
Either: (1) a first
mortgage loan
made subject to
the Uniform
Consumer Credit
Code (Kan. Stat.
Ann. §§ 16a-1-
101 through 16a-
9-102); or (2) a
consumer loan
made subject to
Kan. Stat. Ann. §
16-207(b), which
is either: (a) a
primary lien if the
LTV exceeds
100% or the APR
exceeds the code
mortgage rate; or
(b) a junior lien
Not specified Not specified Kan. Stat. Ann. §§
16-207(h) & (i)
and 16a-1-109;
Kan. Admin. Regs.
§ 75-6-1
No
Click here for Table of Contents
Property of Docutech, LLC Page 109 Version 18.03
Click here for Table of Contents
Kentucky (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Anti-Coercion
Insurance
Disclosure
Cx2778 Either: (1) a financial
institution; or (2) a
creditor or lender
Lenders
Either: (1) A loan
or extension of
credit; or (2) A
debt or loan
Property When application
approval is
pending and
insurance is
offered or
required.
Ky. Rev. Stat. Ann.
§§ 304.9-135(2)(b)
& (c) and 304.12-
150; 806 Ky.
Admin. Regs.
9:190(3)
Form FI-02 Notice
of Free Choice of
Agent and Insurer
Available from
Department of
Insurance
Initial Disclosure KY Mortgage Loan
Broker Agent
Disclosure
Cx3825 A mortgage loan
broker
Brokers
A residential
mortgage loan
Residential real
property, which is
a dwelling (as
defined in 15
USCA § 1602[v])
or any real
property upon
which is (or is
intended to be)
constructed a
dwelling
Not specified Ky. Rev. Stat. Ann.
§ 286.8-270(1)(b)
Mortgage
Licensing and
Regulation Act
No
Property of Docutech, LLC Page 110 Version 18.03
Kentucky (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
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
a dwelling (as
defined in 15
USCA § 1602[v])
or any real
property upon
which is (or is
intended to be)
constructed a
dwelling
Not specified Ky. Rev. Stat. Ann.
§§ 286.8-120(7) &
286.8-270(2)
Mortgage
Licensing and
Regulation Act
No
Initial Disclosure KY Notice to
Borrower – High
Cost Loans
Cx4264 A lender, including
mortgage brokers and
finance companies
Both
A high-cost home
loan
Residential real
property which is
(or will be) the
borrower’s
principal dwelling
At least 3
business days
before
consummation
Ky. Rev. Stat. Ann.
§ 360.100(2)(h)
Statutory
Initial Disclosure Affiliated Business
Disclosure
Cx11413
(Federal)
A mortgage loan
company, a mortgage
loan broker, or a lender
Both
A mortgage loan Residential real
property, which is
a dwelling (as
defined in 15
USCA § 1602[v])
or any real
property upon
which is (or is
intended to be)
constructed a
dwelling
At the time when
the Good Faith
Estimate is
provided
808 Ky. Admin.
Regs. 12:050(3)
Mortgage
Licensing and
Regulation Act
12 CFR Pt. 1024,
App. D
Property of Docutech, LLC Page 111 Version 18.03
Kentucky (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Material Change
of HCL Terms
Cx20851
(Upon Request)
A lender, including any
person who acts as a
mortgage broker or
lender
A high-cost home
loan
Residential real
property which is
the borrower’s
principal dwelling
Within 3 days of
the known
change or at least
24 hours before
closing
Ky. Rev. Stat. Ann.
§ 360.100(1)(c) &
(2)(x)
No
Initial Disclosure Financial
Institution
Disclosures
Cx20898
(Upon Request)
A financial institution
Both
Not specified Not specified Prior to closing Ky. Rev. Stat. Ann.
§ 304.9-135(2)(f)
No
Initial Disclosure,
Processing,
Underwriting, &
Closing
NMLS Unique
Identifier
Disclosure on 1003
Uniform
Residential Loan
Application
On Cx4193
(FNMA/FHLMC)
Any person originating
a mortgage loan
Both
A mortgage loan Residential real
property, which is
a dwelling (as
defined in 15
USCA § 1602[v])
or any real
property upon
which is (or is
intended to be)
constructed a
dwelling
On the
application
Ky. Rev. Stat. Ann.
§ 286.8-030(5)
Mortgage
Licensing and
Regulation Act
FNMA 1003 Form -
Uniform Residential
Loan Application
Initial Disclosure,
TILA Redisclosure,
& Closing
HUD 01-01-10 and
Itemization of
Amount Financed
01-01-10
Cx14222
(Federal) &
Cx14644
(Federal)
A mortgage loan
company or a
mortgage loan broker
Both
A mortgage loan Residential real
property, which is
a dwelling (as
defined in 15
USCA § 1602[v])
or any real
property upon
which is (or is
intended to be)
constructed a
dwelling
Not specified, but
practically at
closing
808 Ky. Admin.
Regs. 12:050(1)
Mortgage
Licensing and
Regulation Act
12 CFR Pt. 1024,
App. A
12 CFR Pt. 1026,
App. H; Form H-3
Property of Docutech, LLC Page 112 Version 18.03
Kentucky (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
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
Cx13677 A mortgagee
Both
Not specified Not specified At the time of
closing
Ky. Rev. Stat. Ann.
§§ 198A.400 &
286.2-020(2)
Mae Street Kidd
Kentucky Housing
Corporation Act
Notification to
Homeowners of the
Kentucky
Homeownership
Protection Center
Click here for Table of Contents
Property of Docutech, LLC Page 113 Version 18.03
Click here for Table of Contents
Louisiana (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific
Language
Required
Initial Disclosure LA Loan Brokerage
Agreement and
Disclosure
Statement
Cx3318 A loan broker
Brokers
A consumer or
federally related
mortgage loan in
which a loan
broker is involved
If a federal related
mortgage loan, a
dwelling (as
defined in 15
USCA § 1602[v])
or residential
immovable
property upon
which is (or is
intended to be)
constructed a
dwelling
With the
application
La. Rev. Stat. Ann.
§§ 9:3572.10 &
9:3572.11
Louisiana
Consumer Credit
Law
No
Initial Disclosure Anti-Coercion
Insurance
Disclosure
Cx4172 Either: (1) the extender
of credit; or (2) the
mortgagee or a lender
Both
Either: (1) a
consumer credit
transaction
(consumer loan),
generally
excluding
federally related
mortgage loans;
or (2) a mortgage
Immovable
property
Not specified La. Rev. Stat. Ann.
§§ 9:3544 &
22:1964(9)
Louisiana
Consumer Credit
Law and Louisiana
Insurance Code
No
Property of Docutech, LLC Page 114 Version 18.03
Louisiana (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific
Language
Required
Initial Disclosure LA Mortgage Loan
Origination
Agreement
Cx4828 A mortgage broker
Brokers
A residential
mortgage loan
A dwelling (as
defined in 15
USCA § 1602[v])
or residential
immovable
property upon
which is (or is
intended to be)
constructed a
dwelling
No later than 3
days after the
initial loan
application date.
La. Rev. Stat. Ann.
§ 6:1098
Louisiana S.A.F.E.
Residential
Mortgage
Lending Act
Partial Statutory
Initial Disclosure LA Application Fee
Disclosure
Cx11909 A licensee under the
Louisiana S.A.F.E.
Residential Mortgage
Lending Act (La. Rev.
Stat. Ann. §§ 6:1081
through 6:1104)
Both
A residential
mortgage loan
A dwelling (as
defined in 15
USCA § 1602[v])
or residential
immovable
property upon
which is (or is
intended to be)
constructed a
dwelling
Prior to collecting
an application fee
La. Rev. Stat. Ann.
§ 6:1096(J)(1)
Louisiana S.A.F.E.
Residential
Mortgage
Lending Act
No
Property of Docutech, LLC Page 115 Version 18.03
Louisiana (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific
Language
Required
Closing 3200 Note Fixed,
LA Mortgage
Second, Fixed Rate
Note Louisiana
Second, HUD-1
01-01-10, and any
other applicable
Louisiana
promissory notes
Cx5
(FNMA/FHLMC),
Cx485, Cx1050,
Cx14222
(Federal), and
other Louisiana
promissory
notes
A party to the loan (i.e.
a lender)
Lenders
A federally related
mortgage loan
(which is a first
mortgage), a
residential
mortgage loan
other than a
federally related
mortgage loan,
and a consumer
loan
Residential
immovable
property (upon
which there is, or
will be,
constructed a
dwelling),
including an
immobilized 1-to-
4 family mobile
home
Not specified, but
practically at
closing
La. Rev. Stat. Ann.
§§ 6:1096 &
6:1097
Louisiana S.A.F.E.
Residential
Mortgage
Lending Act
FNMA Form 3200
– Multistate Fixed-
Rate Note
12 CFR Pt. 1024,
App. A
Closing LA Title Insurance
Rider
Cx16234 Not specified
Both
A mortgage in
connection with
the sale,
conveyance,
transfer or other
act transferring an
interest in the
property
1-to-4 family
residential
property
As a part of the
mortgage
La. Rev. Stat. Ann.
§ 22:513.1
Louisiana Title
Insurance Act
No
Click here for Table of Contents
Property of Docutech, LLC Page 116 Version 18.03
Click here for Table of Contents
Maine (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Initial Disclosure ME Notification
to Buyer of
Withholding Tax
Requirement
Cx1570 A real estate escrow
person, including a
mortgage 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
Initial Disclosure Anti-Coercion
Insurance
Disclosure
Cx2778 A creditor or a lender,
the latter of which
includes a financial
institution, credit
union, or supervised
lender
Both
A loan Not specified At the time of
application or at the
outset of negotiations.
Me. Rev. Stat.
Ann. tit. 24-A, §
2169
The Maine
Insurance Code
No
Initial Disclosure ME Right to Own
Attorney
Disclosure
Cx3279 Either: (1) a supervised
lender; (2) a creditor; or
(3) a financial
institution or credit
union authorized to do
business in Maine
Both
Either: (1) a
residential
mortgage loan;
or (2) a consumer
credit transaction
(consumer loan)
1-to-4 residential
units
Not specified Me. Rev. Stat.
Ann. tit. 9-A, §§
3-311 & 9-303;
tit. 9-B, § 241(4)
Maine Consumer
Credit Code –
Regulation of
Agreements and
Practices
No
Property of Docutech, LLC Page 117 Version 18.03
Maine (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Initial Disclosure ME Balloon
Addendum to
Loan Application
Cx3394 A creditor
Both
A consumer
credit transaction
(consumer loan)
with a term of 4
years or less,
excluding open-
end credit and
generally
excluding
purchase,
refinance of a
purchase,
construction, and
first lien loans
Manufactured
housing or an
interest in land
Not specified Me. Rev. Stat.
Ann. tit. 9-A, § 3-
308
Maine Consumer
Credit Code –
Regulation of
Agreements and
Practices
No
Initial Disclosure ME Disclosure to
Consumer
Cx3764 Either: (1) a loan
broker; or (2) a credit
services organization
Both
Either: (1) an
extension of
credit; or (2)
consumer credit,
presumably a
consumer credit
transaction
(consumer loan)
Manufactured
housing or an
interest in land
Before any agreement
is entered into or any
money is paid by a
consumer (whichever
occurs first)
Me. Rev. Stat.
Ann. tit. 9-A, §
10-303; 02-030
Code Me. R., ch.
350, § 4(c) & (e)
Maine Consumer
Credit Code –
Loan Brokers
Disclosure -
Written Disclosure;
required by Section
10-303
Initial Disclosure ME Broker
Agreement and
Good Faith
Estimate 01-01-
10
Cx4517 &
Cx14221
(Federal)
Either: (1) a loan
broker; or (2) a credit
services organization
Brokers
Consumer credit,
presumably a
consumer credit
transaction
(consumer loan)
Manufactured
housing or an
interest in land
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
Property of Docutech, LLC Page 118 Version 18.03
Maine (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Initial Disclosure ME HCL or HPML
Reasonable
Tangible Net
Benefit Disclosure
Form
Cx13190 or
Cx16407
A creditor, including a
mortgage broker, but
excluding a supervised
financial organization
Both
A high-cost
mortgage loan or
a higher-priced
mortgage loan
which refinances
a residential
mortgage loan
Residential real
property that
contains the
borrower’s
principal
dwelling and
consists of 1-to-4
family units
Prior to or upon
making the new high-
cost mortgage loan or
higher-priced
mortgage loan
02-030 Code Me.
R. ch. 550, §§
5(3), (4) & (6) and
6 Att. A
Administrative
Initial Disclosure Addendum to
Loan Application
Cx13441 Not specified
Both
Not specified Not specified Not specified, but
practically at
application
Me. Rev. Stat.
Ann. tit. 19-A, §
650-A
No
Initial Disclosure Privacy Policy
Notice
Cx15182
(Federal)
A creditor, but not a
supervised financial
organization
Both
A consumer
credit transaction
(consumer loan)
Manufactured
housing or an
interest in land
No later than when a
customer relationship
is established
Me. Rev. Stat.
Ann. tit. 9-A, §§
3-314 & 9-310
Maine Consumer
Code and Maine
Consumer Credit
Code –
Regulation of
Agreements and
Practices
12 CFR Pt. 1016,
App. A
Property of Docutech, LLC Page 119 Version 18.03
Maine (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Initial Disclosure ME Alternative
Mortgage
Transaction
Disclosures
Cx13457
(Federal),
Cx17637,
Cx17638, or
Cx17670
A creditor (a
supervised lender) or a
financial institution, but
excluding a supervised
financial organization
Both
An alternative
mortgage
transaction,
which is a
primary lien, has
a term of more
than 1 year, and
is a purchase
loan, refinance
thereof, or a
construction
loan, but not an
open-end credit
plan
A 1-to-4 family
dwelling
At the time an
application form is
provided or before the
applicant pays a
nonrefundable fee,
whichever is earlier
02-029 Code Me.
R. ch. 119, §§ 4 &
5 and 02-030
Code Me. R. ch.
250, §§ 4 & 5
No
Initial Disclosure Cost of Insurance
Disclosure
Cx16488 The creditor
Both
A consumer
credit transaction
(consumer loan),
which generally
excludes
purchase,
refinance of a
purchase,
construction, and
first lien loans
Manufactured
housing or an
interest in land
Not specified, but
practically before
charging for any of
the disclosed
insurances
Me. Rev. Stat.
Ann. tit. 9-A, § 2-
501(2)
Maine Consumer
Credit Code –
Finance Charges
and Related
Provisions
No
Initial Disclosure ME PMI
Disclosure
Cx16590 (upon
request)
A supervised lender or
a loan broker
Both
A mortgage loan Residential real
property
At the time of
application
Me. Rev. Stat.
Ann. tit. 33, § 507
No
Property of Docutech, LLC Page 120 Version 18.03
Maine (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Initial Disclosure Debt
Management
Service Provider
List of Counselors
UR A debt management
service provider
Brokers
A residential
mortgage loan
Not specified Before performing any
debt management
services
Me. Rev. Stat.
Ann. tit. 32, §
6183(5)(B) & (C)
Debt
Management
Services Act
No
Initial Disclosure Debt
Management
Service Provider
Contract
UR A debt management
service provider
Brokers
Not specified,
but can include a
residential
mortgage loan
Not specified Before performing any
debt management
services
Me. Rev. Stat.
Ann. tit. 32, §
6176
Debt
Management
Services Act
Partial Statutory
Sample Contract
Initial Disclosure,
TILA Redisclosure,
& Closing
Initial Truth-in-
Lending
Disclosure and
other TILA
Disclosures
Cx1591 and
other TILA
Disclosures
Either: (1) a creditor; or
(2) a loan broker and
its mortgage loan
originators
Both
Either: (1) a
consumer credit
transaction
(consumer loan);
or (2) consumer
credit,
presumably a
consumer loan
Manufactured
housing or an
interest in land
At various times Me. Rev. Stat.
Ann. tit. 9-A, §§
8-504 & 10-307-
A
Maine Consumer
Credit Code –
Truth-in-Lending
and Maine
Consumer Credit
Code – Loan
Brokers
12 CFR Pt. 1026,
App. G & H
Property of Docutech, LLC Page 121 Version 18.03
Maine (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Initial Disclosure &
Adverse Action
Appraisal
Disclosure
Cx3397 Either: (1) a creditor; or
(2) a financial
institution
Both
A consumer
credit transaction
(consumer loan)
Either: (1)
manufactured
housing or an
interest in land;
or (2) real estate
Not specified, but
practically within 90
days of taking action
on the application (or
the application is
withdrawn), or at the
date of closing,
whichever is later.
Me. Rev. Stat.
Ann. tit. 9-A, §§
3-313 & 9-309;
tit. 9-B, § 447
Maine Consumer
Credit Code –
Regulation of
Agreements and
Practices
No
Initial Disclosure,
Processing,
Underwriting, &
Closing
NMLS Unique
Identifier
Disclosed on
1003 Uniform
Residential Loan
Application
On Cx4193
(FNMA/FHLMC)
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 Me. Rev. Stat.
Ann. tit. 9-A, §
13-118
The Maine
Secure and Fair
Enforcement for
Mortgage
Licensing Act of
2009
FNMA 1003 Form -
Uniform
Residential Loan
Application
Initial Disclosure &
Closing
Good Faith
Estimate 01-01-
10, HUD-1 01-01-
10, and other
RESPA
Disclosures
Cx14221,
Cx14222, and
other RESPA
disclosures
A loan broker and its
mortgage loan
originators, but
generally excluding
supervised financial
organizations and
supervised lenders
Both
Consumer credit Not specified At various times Me. Rev. Stat.
Ann. tit. 9-A, §
10-307
Maine Consumer
Credit Code –
Loan Brokers
12 CFR Pt. 1024,
App.
Property of Docutech, LLC Page 122 Version 18.03
Maine (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Closing ME Notice to
Cosigners
Cx1020 A creditor
Both
A consumer
credit transaction
(consumer loan),
which generally
excludes
purchase,
refinance of a
purchase,
construction, and
first lien loans
Manufactured
housing or an
interest in land
Before or
contemporaneously
with signing any
writing setting forth
the debtor’s
agreement
Me. Rev. Stat.
Ann. tit. 9-A, § 3-
206
Maine Consumer
Credit Code –
Regulation of
Agreements and
Practices
12 CFR §§
227.14(b)(1),
535.13(c)(1) &
706.3(b)(1) (2013);
16 CFR § 444.3(c)
(2013)
Closing ME HELOC Notice
of Mortgage and
Request for
Notice of Default
Cx4885 A person who acquires
any rights in or liens
upon the mortgaged
real estate
Both
A lien Real estate After all filings and
recordings are made
Me. Rev. Stat.
Ann. tit. 33, § 505
No
Closing ME Important
Notice About
Property Taxes
Cx13569 Real estate lenders
Both
Not specified,
but practically
purchase-type
transactions
Real estate At any point in the
process of the transfer
of property when the
allocation of property
taxes is discussed and
with any notices
relating to property
tax liens
2008 Me. Legis.
Serv. 687, § 2
Statutory
Guidance
Document
Closing ME Certification
of Smoke and
Carbon
Monoxide Alarms
Cx14524 The purchaser
Both
Not specified,
but practically a
purchase
transaction
A single-family
dwelling or a
multi-apartment
building
Within 30 days of
acquisition or
occupancy of the
dwelling, whichever is
later
Me. Rev. Stat.
Ann. tit. 25, §§
2464(10) &
2468(6)
Certification of
Smoke & Carbon
Monoxide Alarm
for Real Estate
Transfer
Property of Docutech, LLC Page 123 Version 18.03
Maine (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Closing Notice of
Servicing Transfer
Cx17905
(Federal)
A supervised lender
Both
A supervised
loan
Real estate,
manufactured
housing, or an
interest in land
Before assignment of
the loan
Me. Rev. Stat.
Ann. tit. 9-A, § 2-
310
Maine Consumer
Credit Code –
Finance Charges
and Related
Provisions
12 CFR Pt. 1024,
App. MS-2
Click here for Table of Contents
Property of Docutech, LLC Page 124 Version 18.03
Click here for Table of Contents
Maryland (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure MD Financing
Agreement
Cx2171 Either: (1) a lender; or
(2) a credit grantor
licensed under the
Maryland Mortgage
Lender Law (Md. Code
Ann., Fin. Inst. §§ 11-
501 through 11-524)
Both
A purchase
money loan, or a
refinance, which
is also a first
mortgage or first
deed of trust
Owner-occupied
real property
having a 1-to-4
family dwelling
Within 10
business days
after the date the
application is
completed
Md. Code Ann.,
Com. Law §§ 12-
125(b), 12-922(b),
& 12-1022(b); Md.
Code Regs.
09.03.06.06
No
Initial Disclosure MD Settlement
Services
Disclosure
Cx2361 A lender
Both
Either: (1) a first
mortgage or first
deed of trust; or
(2) any loan
secured by a
mortgage or
deed of trust
A borrower’s
primary residence
At application or
within 3 days
after application,
or earlier upon
request.
Md. Code Ann.,
Com. Law §§ 12-119
& 12-120(c)
No
Initial Disclosure Anti-Coercion
Insurance
Disclosure
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
Property of Docutech, LLC Page 125 Version 18.03
Maryland (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure MD Notice of
Waiver
Cx3278 Either: (1) a lender; or
(2) a credit grantor
licensed under the
Maryland Mortgage
Lender Law (Md. Code
Ann., Fin. Inst. §§ 11-
501 through 11-524)
Both
A purchase
money loan, or a
refinance, which
is also a first
mortgage or first
deed of trust
Owner-occupied
real property
having a 1-to-4
family dwelling
At least 72 hours
before the time
of settlement
Md. Code Ann.,
Com. Law §§ 12-
125(c)(2), 12-
922(c)(2), & 12-
1022(c)(2); 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
dwelling or
residential real
estate on which a
dwelling is (or is
intended to be)
constructed
At the time the
borrower elects
the type of loan
applied for
Md. Code Regs.
09.03.06.09(C)
Maryland Mortgage
Lender Law
No
Initial Disclosure List of
Homeownership
Counseling
Organizations
Cx17874
(Federal)
A lender, including a
licensee under the
Maryland Mortgage
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
dwelling or
residential real
estate on which a
dwelling is (or is
intended to be)
constructed
At the time the
borrower
completes the
application
Md. Code Ann.,
Com. Law §§ 12-
409.1(d)(2) & 12-
1303; Md. Code
Regs. 05.19.01.03 &
09.03.06.18(C)(1)(b)
Administrative
Advisory Notice
Property of Docutech, LLC Page 126 Version 18.03
Maryland (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure MD Loan
Commitment
Cx4174 Either: (1) a lender; or
(2) a credit grantor
licensed under the
Maryland Mortgage
Lender Law (Md. Code
Ann., Fin. Inst. §§ 11-
501 through 11-524)
Both
A purchase
money loan, or a
refinance, which
is also a first
mortgage or first
deed of trust
Owner-occupied
real property
having a 1-to-4
family dwelling
At least 72 hours
before the time
of settlement
Md. Code Ann.,
Com. Law §§ 12-
125(c)(1), 12-922(c),
& 12-1022(c); Md.
Code Regs.
09.03.06.06(C)(2)
Maryland Mortgage
Lender Law
No
Initial Disclosure MD Right to
Rescind After
Written
Application
Cx4177 A lender
Both
A mortgage loan
for the purchase
of property
A single family
residential real
property
improved by 1-
to-4 single family
units, but not
property that has
never been
occupied or for
which a
certificate of
occupancy has
been issued
within 1 year
before the sales
contract
After receiving
the loan
application
Md. Code Ann.,
Real Prop. § 10-
702(h)(2)(ii)
No
Property of Docutech, LLC Page 127 Version 18.03
Maryland (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure MD Right to
Rescind Before
Application
Cx4178 A lender
Both
A mortgage loan
for the purchase
of property
A single family
residential real
property
improved by 1-
to-4 single family
units, but not
property that has
never been
occupied or for
which a
certificate of
occupancy has
been issued
within 1 year
before the sales
contract
At or before the
time application
is made
Md. Code Ann.,
Real Prop. § 10-
702(h)(2)(i)
No
Initial Disclosure MD Broker
Contract
Cx4565 Either: (1) a mortgage
broker; (2) a person; or
(3) a licensee under the
Maryland Mortgage
Lender Law (Md. Code
Ann., Fin. Inst. §§ 11-
501 through 11-524)
who is acting as a
mortgage broker
Brokers
Either: (1) a loan
or advance of
money; or (2) a
mortgage loan
An owner-
occupied
dwelling or
residential real
estate on which a
dwelling is (or is
intended to be)
constructed
Before
undertaking to
assist the
borrower in
obtaining a loan
Md. Code Ann.,
Com. Law §§ 12-
805(c) & (d) and
12-806; Md. Code
Regs. 09.03.06.07 &
09.03.06.11
Maryland Mortgage
Lender Law
No
Initial Disclosure Addendum to
Loan Application
Cx13441 Not specified
Both
Not specified Not specified Not specified Md. Code Ann.,
Fam. Law § 2-201
No
Property of Docutech, LLC Page 128 Version 18.03
Maryland (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
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
A refinance of a
mortgage loan
An owner-
occupied
dwelling or
residential real
estate on which a
dwelling is (or is
intended to be)
constructed
Not specified Md. Code Regs.
09.03.06.20 &
09.03.09.04
Maryland Mortgage
Lender Law
Net Tangible
Benefit Worksheet
Adverse Action Statement of
Credit Denial,
Termination or
Change
Cx15858
(Federal)
A lender or credit
grantor who is either:
(1) regulated under
Title 12 of Maryland’s
Commercial Law; or (2)
a credit union making
a loan under § 6-601(e)
of the Financial
Institutions Article
Both
Credit or an
extension of
credit
Not specified Within 30 days
after receipt of a
completed
application for
credit
Md. Code Ann.,
Com. Law §§ 14-
1702, 14-1703, 14-
1704, & 14-1705
12 CFR Pt. 1002,
App. C; Form C-1
Property of Docutech, LLC Page 129 Version 18.03
Maryland (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure,
TILA Redisclosure,
& Closing
Truth-in-Lending
Disclosure or
Initial Truth-in-
Lending
Disclosure
Cx18 (Federal)
or Cx1591
(Federal)
Either:
(1) a lender who
makes loans under
Subtitle 1, Title 12 of
Maryland’s Commercial
Law (Md. Code Ann.,
Com. Law §§ 12-101 et
seq.);
(2) a lender who makes
loans under the
Maryland Consumer
Loan Law – Credit
Provisions (Md. Code
Ann., Com. Law §§ 12-
301 et seq.);
(3) a lender; or
(4) a credit grantor.
Both
Either:
(1) a loan under
Subtitle 1, Title 12
of Maryland’s
Commercial Law
(Md. Code Ann.,
Com. Law §§ 12-
101 et seq.);
(2) a loan under
the Maryland
Consumer Loan
Law – Credit
Provisions (Md.
Code Ann., Com.
Law §§ 12-301 et
seq.);
(3) a mortgage
loan;
(4) a revolving
credit plan; or
(5) a loan (closed-
end credit)
A dwelling or
residential real
estate on which a
dwelling will be
located, which is
owner-occupied
Before execution
of a loan contract
Md. Code Ann.,
Com. Law §§ 12-
106(b), 12-
308(a)(1)(ii), 12-
805(c), 12-914(b), &
12-1014(b)
Maryland
Consumer Loan
Law – Credit
Provisions
12 CFR Pt. 1026,
App. H; Form H-2
Initial Disclosure &
Closing
MD Closing
Attorneys Fee
Certification
Cx3513 (upon
request)
A lender
Both
Any loan secured
by a mortgage or
deed of trust, but
excluding
commercial loans
A borrower’s
primary residence
At or prior to
settlement
Md. Code Ann.,
Com. Law § 12-
120(b)
No
Property of Docutech, LLC Page 130 Version 18.03
Maryland (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure &
Closing
Maryland DLLR
Disclosure
Cx13900,
Cx13901,
Cx13902 (upon
request)
A regulated person,
who is subject to the
regulatory authority of
the Commissioner of
Financial Regulation
pursuant to the
Financial Institutions or
Commercial Law
articles
Both
A mortgage loan
which either: (1)
includes a
balloon payment;
(2) does not
provide for the
establishment of
an escrow
account; or (3)
includes a
mandatory
binding
arbitration clause
An owner-
occupied
dwelling or
residential real
estate on which a
dwelling is (or is
intended to be)
constructed
Within 10
business days
after application
is completed and
not less than 72
hours before the
time of
settlement
Md. Code Regs.
09.03.10.03
Administrative
Initial Disclosure &
Closing
Good Faith
Estimate 01-01-10
and HUD-1 01-01-
10
Cx14221
(Federal) &
Cx14222
(Federal)
A licensee under the
Maryland Mortgage
Lender Law (Md. Code
Ann., Fin. Inst. §§ 11-
501 through 11-524)
Both
A mortgage loan A dwelling or
residential real
estate on which
an owner-
occupied
dwelling is (or is
intended to be)
constructed
Various Md. Code Regs.
09.03.06.07(C)
Maryland Mortgage
Lender Law
12 CFR Pt. 1024,
App. A & C
Initial Disclosure &
Closing
MD Tax Property
Affidavit
Cx15803 The original mortgagor A mortgage or
deed of trust,
which is a
refinance loan
Real property
which is the
principal
residence of the
original
mortgagor
At closing or
recording
Md. Code Ann.,
Tax-Prop. § 12-
108(g)(3) & (g)(4)
Refinance and
Supplement
Affidavit
(Howard County)
Property of Docutech, LLC Page 131 Version 18.03
Maryland (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure &
TILA Redisclosure
Notice of Right to
Receive Copy of
Appraisal Report
Cx17903 &
17904 (Federal)
Either: (1) a bank,
mortgage banker,
savings and loan
association, or any
other lender; or (2) a
licensee under the
Maryland Mortgage
Lender Law (Md. Code
Ann., Fin. Inst. §§ 11-
501 through 11-524)
Both
A loan
transaction
Either: (1)
residential real
property; or (2)
residential real
estate upon
which an owner-
occupied
dwelling is or will
be located
Not specified Md. Code Ann.,
Real Prop. § 14-
104.1; Md. Code
Regs. 09.03.06.10(C)
Maryland Mortgage
Lender Law
12 CFR Pt. 1002,
App. C; Form C-9
12 CFR §
1026.35(c)(5)(i)
(West 2013)
Closing Automatic
Subordination
Language on MD
Deed of Trust and
MD Deed of Trust
FHA
Cx329
(FNMA/FHLMC)
and Cx382
(FHA)
Not specified
Both
A refinance
mortgage, which
has a lower
interest rate than
and a principal
amount equal to
the unpaid
outstanding
principal balance
of the loan being
refinanced
(plus $5,000)
Residential
property,
consisting of real
property
improved by 1-
to-4 family
dwelling units
On the security
instrument
Md. Code Ann.,
Real Prop. § 7-112
Statutory
FNMA Form 3021 -
Maryland
Property of Docutech, LLC Page 132 Version 18.03
Maryland (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Closing Affidavits of
Consideration and
Disbursement on
MD Deed of Trust,
MD Deed of Trust
FHA, and MD
Deed of Trust
Second
On Cx329
(FNMA/FHLMC),
Cx382 (FHA), &
Cx487
The mortgagee or
party secured by the
mortgage
Lenders
A mortgage or
deed of trust,
including a
purchase-money
mortgage, but
excluding a
security
instrument
wherein it is
lawful to charge
any rate of
interest under
Md. Code Ann.,
Com. Law § 12-
103(e) (West
2012)
Land On the security
instrument
Md. Code Ann.,
Real Prop. § 4-
106(a) & (b)(1)
FNMA Form 3021 -
Maryland
Closing Provision of
Attorney and
Court Fees in MD
Deed of Trust, MD
Deed of Trust
Second, MD Deed
of Trust FHA, and
HELOC
Agreement – MD
On Cx329
(FNMA/FHLMC),
Cx382 (FHA),
Cx487, &
Cx3035
A credit grantor
Both
Either: (1) a
revolving credit
plan; or (2) a loan
(closed-end
credit)
Not specified At closing Md. Code Ann.,
Com. Law §§ 12-911
& 12-1011
FNMA Form 3021 -
Maryland
Closing MD First Time
Home Buyer
Affidavit
Cx3539 Not specified
Both
Not specified, but
practically a loan
in which the
property is
conveyed
Owner-occupied,
residential real
property
At recording Md. Code Ann.,
Tax-Prop. §§ 12-
103(b)(2) & (b)(3),
13-203(b)(4), and
13-409
No
Property of Docutech, LLC Page 133 Version 18.03
Maryland (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
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
Md. Code Ann.,
Real Prop. § 3-
104.1; Md. Code
Regs.
09.03.06.07(D) &
09.03.11.02(B)
Maryland Mortgage
Lender Law
Administrative
Closing MD Written
Acknowledgement
of Delivery of the
Note
Cx16099 A credit grantor
Both
Either: (1) a plan
(aka a revolving
credit plan); or (2)
a loan (closed
end credit)
Not specified No later than the
time of
consummation
Md. Code Ann.,
Com. Law §§ 12-
913.2(c) & 12-
1013.2(c)
No
Closing MD Delivery of
Net Proceeds
Authorization
Cx16100 A lender
Both
A purchase-
money mortgage
or deed of trust,
except one
wherein it is
lawful to charge
any rate of
interest under
Md. Code Ann.,
Com. Law § 12-
103(e) (West
2012)
Land Before delivering
net proceeds,
deducting
charges, interest,
expenses, or
advancing escrow
and charges due
from the
borrower
Md. Code Ann.,
Real Prop. § 4-
106(b)(2)
No
Property of Docutech, LLC Page 134 Version 18.03
Maryland (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Closing MD Property Tax
Installment
Direction
Cx17045 (upon
request)
Not specified
Both
Not specified, but
practically a
purchase loan
Owner-occupied
residential
property, or
business property
in connection to
which total taxes
do not exceed
$100,000
Not specified Md. Code Ann.,
Tax-Prop. § 10-
204.3(j)
No
Closing MD Addendum to
HELOC
Agreement and
MD Addendum to
Promissory Note
Cx17451 &
17452
A credit grantor
Both
Either: (1) a
revolving credit
plan; or (2) closed
end credit
Not specified Not specified Md. Code Ann.,
Com. Law §§ 12-
913.1 & 12-1013.1;
Md. Regs. Code
09.03.06.08(B)
Instructions to
FNMA Form 3200 –
Multistate Fixed-
Rate Note
Click here for Table of Contents
Property of Docutech, LLC Page 135 Version 18.03
Click here for Table of Contents
Massachusetts (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Requirement
Initial Disclosure MA Addendum
to Uniform
Residential Loan
Application
Cx3573 Either: (1) not specified;
or (2)
a licensee under Mass.
Gen. Laws Ann. ch.
255E and Mass. Regs.
Code tit. 209, § 42.00
Both
Either: (1) a
mortgage loan;
or (2) a
residential
mortgage loan
A 1-to-4 family
dwelling on
residential
property
occupied (or to
be occupied) by
the obligor
On the
application
Mass. Gen. Laws
Ann. ch. 184, §
17B; Mass. Regs.
Code tit. 209, §
42.12 & 42.14
No
Initial Disclosure MA High Cost
Loan Insurance
Disclosure
Cx3745 A creditor
Both
A high cost home
loan
A consumer’s
principal
dwelling,
consisting of 1-
to-4 units,
regardless of
whether it is
attached to real
property
At least 3
business days
before the loan is
closed
Mass. Regs. Code
tit. 209, §§
32.34(2)(a) &
40.07(2)
No
Initial Disclosure MA High Cost
Loan Payment
Disclosure and
Section 32
Mortgage Loan
Disclosure
Cx3746,
Cx17901
(Federal), and
Cx17902
(Federal)
Either: (1) a creditor; or
(2) a lender, including a
financial institution
Both
A high cost home
loan
A consumer’s
principal
dwelling,
including a 1-to-
4unit dwelling,
regardless of
whether it is
attached to real
property.
At or before
application or
within 24 hours
after determining
that the loan is a
high cost home
loan.
Mass. Regs. Code
tit. 209, §§
32.32(3)(f)(2) &
40.04(6)(b)
Administrative
12 CFR Pt. 1026,
App. H, Form H-16
Property of Docutech, LLC Page 136 Version 18.03
Massachusetts (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Requirement
Initial Disclosure Anti-Coercion
Insurance
Cx3750 Either: (1) a person,
firm, or corporation; (2)
a bank, lending
institution, mortgage
company, or any
mortgagee; or (3) a
bank, including a
federal bank and
lenders
Both
Either: (1) a loan
of money; (2) a
loan of money or
extension of
credit; (3) a
mortgage loan;
or (4) an
extension of
credit
Either: (1) real
property; (2)
property; (3)
property which is
the subject of the
mortgage; or (4)
not specified
At the time the
customer applies
for an extension
of credit
Mass. Gen. Laws
Ann. ch. 175, §
193E; ch. 176D, §
4; & ch. 183, § 66;
Mass. Regs. Code
tit. 209, § 49.06(5)
No
Initial Disclosure MA Borrower’s
Interest
Worksheet
Cx5771 A lender
Both
A home loan
which refinances
another home
loan within 60
months prior to
application
Real estate
improved with a
1-to-4 family
dwelling,
occupied by the
borrower
No later than
closing
Mass. Gen. Laws
Ann. ch. 183, §
28C, Mass. Regs.
Code tit. 209, §§
53.03, 53.04, &
53.07
No
Initial Disclosure MA No
Doc/Limited Doc
Disclosure
Cx13093 A mortgage broker or
a mortgage lender
Both
A “no
documentation”
mortgage loan,
but excluding
certain reverse
mortgages and
open-end home
equity lines of
credit
Residential
property,
consisting of a
dwelling house
with
accommodations
for 1-to-4
separate
households that
is (or is intended
to be) occupied
by the obligor
(either in whole
or in part)
In advance of the
closing
Mass. Regs. Code
tit. 940, § 8.06(16)
No
Property of Docutech, LLC Page 137 Version 18.03
Massachusetts (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Requirement
Initial Disclosure MA Counseling
Disclosure
Cx13391 A mortgagee
Both
An adjustable-
rate subprime
loan
Owner-occupied,
1-to-4 family
residential
property
At or before
closing
Mass. Gen. Laws
Ann. ch. 184, §
17B½ Division of
Banks Regulatory
Bulletin 1.3-104
No
Initial Disclosure Addendum to
Loan Application
Cx13441 Not specified
Both
Not specified Not specified Not specified,
but practically at
application
Goodridge v.
Dep’t of Pub.
Health, 440 Mass.
309 (2003)
No
Initial Disclosure MA Mortgage
Loan Rate Lock
Commitment
Cx13544 or
Cx14521 (upon
request)
A mortgage lender
licensed under Mass.
Gen. Laws Ann. ch.
255E and Mass. Regs.
Code tit. 209, § 42.00
Both
A mortgage loan Residential
property having
thereon a
dwelling house
with
accommodations
for 1-to-4
households and
occupied (or to
be occupied) by
the obligor (in
whole or in part)
Prior to taking a
rate lock
commitment fee,
or otherwise
offering or
entering into a
lock commitment
Mass. Regs. Code
tit. 209, §
42.11A(4)
No
Initial Disclosure MA High Cost
Home Loan
Disclosure
Cx14937 A creditor, other than a
broker
Both
A high cost home
loan
A consumer’s
principal
dwelling,
consisting of 1-
to-4 units,
regardless of
whether it is
attached to real
property
Not specified Mass. Regs. Code
tit. 209, §
32.32(3)(a)
through (e)
Partial
Administrative
Property of Docutech, LLC Page 138 Version 18.03
Massachusetts (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Requirement
Initial Disclosure Statement of
Credit Denial,
Termination, or
Change
On Cx15858
(Federal)
Either: (1) the user of
the consumer report
which formed the basis
for adversely affecting
a consumer; or (2) a
mortgagee
Both
Either: (1) credit;
or (2) a
residential
mortgage loan
Residential real
property of 1- to-
4 separate
households
occupied (or to
be occupied) by
the applicant (in
whole or in part)
Within 10
business days of
deciding to take
adverse action
Mass. Gen. Laws
Ann. ch. 93, § 62;
ch. 183, § 64
Partial Statutory
12 CFR Pt. 1002,
App. C; Form C-1
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
A high cost home
loan
A consumer’s
principal dwelling
Not specified Mass. Regs. Code
tit. 209, §
40.04(1), (2), (3),
(4), & (5)
Partial
Administrative
Initial Disclosure MA Additional
Broker Fee
Authorization
Cx18932 (upon
request)
A mortgage lender or a
mortgage broker
Both
A mortgage loan,
excluding reverse
mortgages and
open-end home
equity lines of
credit
Residential
property,
consisting of a
dwelling house
with
accommodations
for 1-to-4
separate
households and
occupied (or to
be occupied) by
the obligor (in
whole or in part)
Not specified Mass. Regs. Code
tit. 940, § 8.06(4)
No
Property of Docutech, LLC Page 139 Version 18.03
Massachusetts (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Requirement
Initial Disclosure MA Conflict of
Interest
Disclosure
Cx18933 (upon
request)
A mortgage broker
Brokers
A loan,
presumably a
mortgage loan,
but excluding
certain reverse
mortgages and
open-end home
equity lines of
credit
Residential
property,
consisting of a
dwelling house
with
accommodations
for 1-to-4
separate
households that
is (or is intended
to be) occupied
by the obligor
(either in whole
or in part)
Before
processing,
making, or
arranging the
loan
Mass. Regs. Code
tit. 940, § 8.06(17)
No
Initial Disclosure MA Commitment
Agreement
CX18934 (upon
request)
A bank
Both
A mortgage on
real estate
Real estate Not specified Mass. Gen. Laws
Ann. ch. 167F, §
2A(b)(4)(iii)
No
Initial Disclosure MA Insurance
Disclosure (Credit
Unions)
Cx18935 (upon
request)
Either: (1) a credit
union; or (2) a federal
credit union
Both
Not specified Not specified Not specified Mass. Gen. Laws
Ann. ch. 171, §
75B(b)(6); Mass.
Regs. Code tit.
209, § 49.06A(7)
No
Property of Docutech, LLC Page 140 Version 18.03
Massachusetts (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Requirement
Initial Disclosure CSO Information
Statement
UR A credit services
organization (CSO)
Brokers
An extension of
credit for
consumer
purposes
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
Initial Disclosure CSO Contract UR A credit services
organization (CSO)
Brokers
An extension of
credit for
consumer
purposes
Not specified Not specified Mass. Gen. Laws
Ann. ch. 93, §
68D
Statutory
Initial Disclosure &
Closing
Notice of
Required Flood
Insurance and
MA Flood
Insurance Notice
Cx10 and
Cx18930
A creditor or a
creditor’s
representative
Both
A mortgage in
connection with
which flood
insurance is
required
Residential
property
At the time the
purchaser or
owner of the
residential
property is
notified of the
need to purchase
or pay for flood
insurance
Mass. Gen. Laws
Ann. ch. 183, § 69
Statutory
Property of Docutech, LLC Page 141 Version 18.03
Massachusetts (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Requirement
Initial Disclosure, TILA
Redisclosure, & Closing
State Truth-in-
Lending Act
Disclosures
Complied with by
Federal Truth-in-
Lending Act
Disclosures
Cx18, Cx1591,
Cx8204,
Cx15444, and
other TILA
Disclosures (all
Federal)
Various, but primarily
creditors
Both
Various, but
primarily a
consumer credit
transaction
Various, but
primarily a
dwelling, which is
a residential
structure or
mobile home
containing 1-to-4
family housing
units, or
individual units
of condos or co-
ops
Various Mass. Gen. Laws
Ann. ch. 140D, §§
1 through 35;
Mass. Regs. Code
tit 209, §§ 32.01
through 32.58
12 CFR Pt. 1026,
App. G & H
Initial Disclosure &
Closing
MA Certification
and
Indemnification
Agreement
Cx1024 Not specified
Both
Not specified,
but practically a
purchase loan
1-to-5 family
dwellings
occupied in
whole or in part
for residential
purposes
Not specified,
but practically
upon the sale or
transfer of the
building and/or
structure
Mass. Gen. Laws
Ann. ch. 148, §§
26E & 26F; Mass.
Regs. Code tit.
946, § 7.14
No
Property of Docutech, LLC Page 142 Version 18.03
Massachusetts (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Requirement
Initial Disclosure &
TILA Redisclosure
Initial Truth-in-
Lending
Disclosure and
Good Faith
Estimate 01-01-
10
Cx1591
(Federal) and
Cx14221
(Federal)
A mortgage lender or a
mortgage broker
Both
A mortgage loan,
excluding reverse
mortgages and
open-end home
equity lines of
credit
Residential
property,
consisting of a
dwelling house
with
accommodations
for 1-to-4
separate
households and
occupied (or to
be occupied) by
the obligor (in
whole or in part)
Not specified Mass. Regs. Code
tit. 940, § 8.05
12 CFR Pt. 1024,
App. A & Pt. 1026,
App. H
Initial Disclosure,
Processing,
Underwriting, &
Closing
MA High Cost
Loan Application
Disclosure, HCL
Notice on 1003
Uniform
Residential Loan
Application, and
Section 32
Mortgage Loan
Disclosure
Cx3742, on
Cx4193
(FNMA/FHLMC),
Cx17901
(Federal), and
Cx17902
(Federal)
Either: (1) a creditor,
excluding a broker; or
(2) a lender, including a
financial institution, but
excluding a broker
Both
A high cost home
loan
A consumer’s
principal
dwelling,
including a 1-to-
4-unit dwelling,
regardless of
whether it is
attached to real
property.
On the
application
(4193) or within
24 hours after
determining that
the loan is a high
cost home loan
(3742).
Mass. Regs. Code
tit. 209, §§
32.32(3)(f)(1) &
40.04(6)(a)
Administrative
FNMA 1003 Form -
Uniform Residential
Loan Application
12 CFR Pt. 1026,
App. H, Form H-16
Initial Disclosure &
Adverse Action
MA Mortgage
Review Board
Notice
Cx3852 A mortgagee
Lenders
A residential
mortgage loan
Residential
property of 1-to-
4 units and
occupied by the
mortgagor (in
whole or in part)
At the time of
denial
Mass. Gen. Laws
Ann. ch. 167, §
14A
No
Property of Docutech, LLC Page 143 Version 18.03
Massachusetts (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Requirement
Initial Disclosure,
Processing,
Underwriting, &
Closing
NMLS Unique
Identifier
Disclosed on
1003 Uniform
Residential Loan
Application
On Cx4193
(FNMA/FHLMC)
Any person originating
a residential mortgage
loan, including a
licensed mortgage loan
originator under Mass.
Gen. Laws Ann. ch.
255F and Mass. Regs.
Code tit. 209, § 41.00
Both
A residential
mortgage loan
A dwelling (as
defined in
Section 103[w] of
TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
On the
application
Mass. Gen. Laws
Ann ch. 255F, §
18; Mass. Regs.
Code tit. 209, §
41.12(2)
FNMA 1003 Form -
Uniform Residential
Loan Application
Initial Disclosure &
Closing
MA Insurance
Disclosure
Cx16146 (upon
request)
A bank that sells
insurance products
Both
An extension of
credit
Not specified Not specified,
but practically
before an
applicant
becomes an
insurance
customer
Mass. Gen. Laws.
Ann. ch. 167F, §
2A(b)(6); Mass.
Regs. Code tit.
209, § 49.06(7)
No
Property of Docutech, LLC Page 144 Version 18.03
Massachusetts (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Requirement
Closing Mortgage
originator
information on
MA Mortgages
and the MA
Assignment of
Mortgage
On Cx328
(FNMA/FHLMC),
Cx381 (FHA),
Cx486, Cx1322,
& Cx1531
A mortgagee
A mortgage loan
Either: (1) real
property having
thereon a
dwelling with
accommodations
for 1-to-4
households and
occupied (or to
be occupied) by
the obligor (in
whole or in part);
or (2) a 1-to-4
family dwelling,
including condos,
co-ops, and
manufactured
homes, that is
the principal
residence of the
owner
On the mortgage Mass. Gen. Laws
Ann. ch. 183, §§
6D & 21 and ch.
188, § 7
No
FNMA Form 3022 -
Massachusetts
Closing MA Lead Paint
Indemnification
Agreement and
MA Property
Transfer Lead
Paint Notification
Cx1283;
Cx15777 (upon
request)
The seller
Both
Not specified,
but practically a
purchase
Premises,
meaning
dwellings built
before 1978
Prior to seller
signing a
purchase and
sale agreement.
Mass. Gen. Laws
Ann. ch. 111, §
197A; Mass.
Regs. Code tit.
105, § 460.720
Property Transfer
Lead Paint
Notification,
Property Transfer
Certification Form
Property of Docutech, LLC Page 145 Version 18.03
Massachusetts (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Requirement
Closing HUD-1 01-01-10 Cx14222
(Federal)
A mortgagee, a
mortgage lender, or a
mortgage broker
Both
A mortgage
transaction
Residential
property
consisting of 1-
to-4 units and
occupied by the
mortgagor (in
whole or in part)
Before charging a
loan fee, finder’s
fee, or points
Mass. Gen. Laws
Ann. ch. 183, § 63
12 CFR Pt. 1024,
App. A
Closing MA Certification
of Carbon
Monoxide
Detector
Cx15578 (upon
request)
Not specified
Both
Not specified,
but practically a
purchase loan
A dwelling,
building, or
structure used in
whole or in part
for residential
purposes
Upon sale or
transfer of the
property
Mass. Gen. Laws
Ann. ch. 148, §
26F½; Mass.
Regs. Code tit.
527, § 31.06
No
Closing MA Condo
Notice
Cx15381 A mortgagee
Lenders
A mortgage A condominium
unit
After recording Mass. Gen. Laws
Ann. ch. 183A, §
4(5)
No
Click here for Table of Contents
Property of Docutech, LLC Page 146 Version 18.03
Click here for Table of Contents
Michigan (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Anti-Coercion
Insurance
Cx3750 Either: (1) a credit
granting institution; (2)
a licensee or registrant
under The Secondary
Mortgage Loan Act; or
(3) a lender
Both
Either: (1) a
mortgage loan;
(2) a secondary
mortgage loan;
or (3) a loan
Either: (1) Real
property
designed for
occupancy by 1-
to-4 families,
including single
unit condos or
coops, and
residential
dwellings; or (2)
real property that
is used as a
dwelling
When the
applicant
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
Initial Disclosure CSO Contract UR A credit services
organization (CSO)
Brokers
An extension of
credit
Not specified Not specified Mich. Comp.
Laws Ann. §
445.1823(k)
Credit Services
Protection Act
No
Initial Disclosure MI Lock-In
Agreement
Cx17192
(upon request)
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
Cx17163
(upon request)
Financial Institution
Both
A mortgage loan Not specified Not specified Mich. Comp.
Laws Ann. §§
445.1672(k) &
566.132(2)
No
Property of Docutech, LLC Page 147 Version 18.03
Michigan (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure MI Notice to
Borrower
Cx22088
(upon request)
A credit granting
institution
Both
A mortgage loan
or a home
improvement
loan
Real estate After a person makes
a loan inquiry relating
to the prospects of
obtaining a loan
Mich. Comp.
Laws Ann. §
445.1602(9) &
(10)
Notice to Borrower
Adverse Action Statement of Credit
Denial, Termination,
or Change
15858 (Federal) A credit granting
institution
Both
A mortgage loan
or a home
improvement
loan, but
excluding
construction
financing
Real property
designed for
occupancy by 1-
to-4 families,
including single
unit condos or
coops, and
residential
dwellings
After a loan is
denied or the
terms are varied,
but not accepted
by the applicant.
Mich. Comp.
Laws Ann. §
445.1602(6)
12 CFR Pt. 1002,
App. C; Form C-1
Initial Disclosure,
Processing,
Underwriting, &
Closing
NMLS Unique
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 on which a
person has (or
intends to)
construct a
dwelling
On the
application
Mich. Comp.
Laws Ann. §
493.171
Mortgage Loan
Originator
Licensing Act
FNMA 1003 Form -
Uniform Residential
Loan Application
Closing Marital Status
Disclosed on MI
Mortgage1
On Cx331
(FNMA/FHLMC),
Cx384 (FHA),
Cx489, and
Cx1393
Not specified, but
practically the
mortgagee
Both
A mortgage Real estate At recording Mich. Comp.
Laws Ann. §
565.221
FNMA Form 3023 -
Michigan
Property of Docutech, LLC Page 148 Version 18.03
Michigan (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Closing MI Principal
Residence
Exemption (PRE)
Affidavit
Cx995 Not specified
Both
Not specified A principal
residence
Not specified Mich. Comp.
Laws Ann. §
211.7cc
The General
Property Tax Act
Tax Form 2368
Closing MI Property Transfer
Affidavit
Cx996 The buyer, grantee, or
other transferee of the
property
Both
Not specified, but
practically a
purchase or a
renewal in which
the beneficiaries
of the loan
change
Property Within 45 days of
the transfer of
ownership
Mich. Comp.
Laws Ann. §
211.27a(10)
The General
Property Tax Act
Tax Form 2766
Closing MI Request to
Rescind Principal
Residence
Exemption (PRE)
Cx997 The owner of the
property, which in the
context of this
requirement, is the
seller
Both
Not specified, but
practically a
purchase
transaction
The seller’s
principal
residence
Not more than 90
days after
exempted
property is no
longer used as a
principal
residence by the
seller
Mich. Comp.
Laws Ann. §
211.7cc(5)
The General
Property Tax Act
Tax Form 2602
Closing MI Addendum to
Mortgage-
Homestead and
Dower Waiver
Cx7786 (upon
request)
Not specified
Both
A mortgage to
secure the
payment of
purchase money
Either: (1) land; or
(2) a homestead
Not specified, but
practically at or
by closing
Mich. Comp.
Laws Ann. §§
558.4 & 600.6023
Revised
Judicature Act of
1961
No
Property of Docutech, LLC Page 149 Version 18.03
Michigan (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Closing HUD 01-01-10 Cx14222
(Federal)
A state or national
bank, an insurance
company, or a lender
approved as a
mortgagee under the
National Housing Act
or regulated by a
federal agency
Both
A loan Not specified Upon closing of
the loan
Mich. Comp.
Laws Ann. §
438.31b
12 CFR Pt. 1024,
App. A
Click here for Table of Contents
Minnesota (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure MN Prepayment
Disclosure at
Application
Cx1892 A residential mortgage
originator, including a
lender and a broker
Both
A residential
mortgage loan
that contains a
prepayment
penalty
Residential real
property,
improved (or
intended to be
improved) by a
structure of 1-to-
4 family units
Within 5 days
after borrower
requests the loan
Minn. Stat. Ann. §
58.137(2)(b)
Minnesota
Residential
Mortgage
Originator and
Servicer Licensing
Act
Statutory
Property of Docutech, LLC Page 150 Version 18.03
Minnesota (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
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
A residential
mortgage loan
Residential real
property,
improved (or
intended to be
improved) by a
structure of 1-to-
4 family units
Within 3 business
days of accepting
an application.
Minn. Stat. Ann. §
58.15
Minnesota
Residential
Mortgage
Originator and
Servicer Licensing
Act
Statutory
Initial Disclosure MN Residential
Mortgage
Originator
Contract
Cx1907 A residential mortgage
originator who either:
(a) solicits or receives
an advance fee; or (b)
offers to act as an
agent of the borrower
Brokers
A lien on
residential real
estate
Residential real
property,
improved (or
intended to be
improved) by a
structure of 1-to-
4 family units
When soliciting or
receiving an
advance fee for
assisting in
finding a loan, or
offers to act as an
agent of the
borrower.
Minn. Stat. Ann. §
58.16
Minnesota
Residential
Mortgage
Originator and
Servicer Licensing
Act
No
Initial Disclosure Anti-Coercion
Insurance
Disclosure
Cx3750 Either: (1) a company;
or (2) a person, firm, or
corporation or an
agent or broker of a
purchaser
Both
A loan of money
secured by real
property
Property,
including real
property
Not specified Minn. Stat. Ann.
§§ 65A.09, 65A.10,
& 72A.31
No
Property of Docutech, LLC Page 151 Version 18.03
Minnesota (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Tangible Net
Benefit Worksheet
Cx12531 A residential mortgage
originator or servicer
(including a licensee
under the Minnesota
Residential Mortgage
Originator and Servicer
Act), or an exempt
person
Both
A residential
mortgage loan
which refinances
a residential
mortgage loan
Residential real
property,
improved (or
intended to be
improved) by a
structure of 1-to-
4 family units
Not specified Minn. Stat. Ann. §
58.13(1)(a)(25)
Minnesota
Residential
Mortgage
Originator and
Servicer Licensing
Act
No
Initial Disclosure Addendum to
Loan Application
Cx13441 Not specified
Both
Not specified Not specified Not specified Minn. Stat. Ann. §
517.01
No
Initial Disclosure MN Lower
Investment Grade
Disclosure
Cx18227 (upon
request)
Residential mortgage
originators, servicers,
and otherwise exempt
persons
Both
A residential
mortgage loan
which has a
lower investment
grade than what
the borrower
qualifies for
Residential real
property,
containing a 1-
to-4 family
structure
Before making,
providing, or
arranging for the loan
Minn. Stat. Ann. §
58.13(1)(a)(18)
Minnesota
Residential
Mortgage
Originator and
Servicer
Licensing Act
No
Initial Disclosure MN Lock-in
Agreement
Cx18228 A lender
Both
A “conventional
loan” or a
cooperative loan
of less than
$200,000
Not specified
directly, but real
properties not
containing more
than one
residential unit
are included
At the time of offering
such an agreement is
made
Minn. Stat. Ann.
§§ 47.20(2):(7) &
47.206(2) & (3)
No
Property of Docutech, LLC Page 152 Version 18.03
Minnesota (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure MN Commitment
Agreement
Cx18229 A lender
Both
A “conventional
loan” or a
cooperative loan
of less than
$200,000
Not specified
directly, but real
properties not
containing more
than one
residential unit
are included
At the time of offering
such an agreement is
made
Minn. Stat. Ann.
§§ 47.20(2):(8) &
47.206
No
Initial Disclosure CSO Information
Statement
UR A credit services
organization (CSO)
Brokers
An extension of
credit for
consumer
purposes
Not specified Before the execution
of a contract or
agreement between
the buyer and the CSO
or before the CSO
receives any
consideration,
whichever occurs first
Minn. Stat. Ann. §
332.57
Statutory
Initial Disclosure CSO Contract UR A credit services
organization (CSO)
Brokers
An extension of
credit for
consumer
purposes
Not specified Not specified Minn. Stat. Ann. §
332.58
Statutory
Initial Disclosure &
Closing
MN Private
Mortgage
Insurance
Disclosure
Cx2530 A servicer
Both
A residential
mortgage loan
Residential real
property, include
co-operatives
Annually. Must be
given with respect
to each future
residential
mortgage loan
Minn. Stat. Ann. §
47.207(3)(a)
Statutory
Property of Docutech, LLC Page 153 Version 18.03
Minnesota (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure,
Processing,
Underwriting, &
Closing
NMLS Unique
Identifier
Disclosed on 1003
Uniform
Residential Loan
Application
On Cx4193
(FNMA/FHLMC)
Any person originating
a residential mortgage
loan
Both
A residential
mortgage loan
A dwelling (as
defined in 15
USCA § 1602[v])
or residential real
estate upon which
a dwelling is (or is
intended to be)
constructed
On the
application
Minn. Stat. Ann. §
58A.20
Minnesota S.A.F.E.
Mortgage
Licensing Act of
2010
FNMA 1003 Form -
Uniform Residential
Loan Application
Initial Disclosure &
TILA Redisclosure
MN Disclaimer of
Loan Terms
Cx18230 A lender
Both
A “conventional
loan” or a
cooperative loan
of less than
$200,000
Not specified
directly, but real
properties not
containing more
than one
residential unit
are included
With an oral or
written statement
of current loan
terms
Minn. Stat. Ann. §
47.206(5)
No
Closing Truth-in-Lending
Disclosure
Cx18 (Federal) A licensee under the
Minnesota Regulated
Loan Act
Both
A loan Not specified At the time any
loan is made
Minn. Stat. Ann. §
56.14(1)
Minnesota
Regulated Loan
Act
12 CFR Pt. 1026,
App. H; Form H-2
Closing Purchase Money
Caption on MN
Mortgage and
MN Mortgage
FHA
Cx332
(FNMA/FHLMC)
& Cx385 (FHA)
A mortgagee
Both
A purchase-
money mortgage
Either: (1) a
homestead; or (2)
real property
On the mortgage Minn. Stat. Ann.
§§ 507.02 &
507.03
FNMA Form 3024
Property of Docutech, LLC Page 154 Version 18.03
Minnesota (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Closing Copy of Note,
Mortgage, and
Notice of Sale
Clause in all MN
Mortgages
Cx332
(FNMA/FHLMC)
& Cx490
A lender
Both
A conventional
loan, with an
original principal
amount of less
than $100,000
and excluding
FHA, VA, and RD
loans
Real property
containing 1 or
more residential
units
On the mortgage Minn. Stat. Ann. §
47.20(8)
FNMA Form 3024 -
Minnesota
Closing MN Notice of
Right to
Discontinue
Escrow
Cx1004 A lender or a mortgage
broker
Both
A mortgage loan,
which includes a
conventional loan,
but excludes
conventional
loans with an LTV
exceeding 80%
and FHA, VA, and
RD loans
A 1-to-4 family,
owner occupied
residence
At or prior to
closing
Minn. Stat. Ann. §
47.20(9)(b)
Statutory
Closing MN Abstract of
Title Notice
Cx1600 A person who transfers
or offers to transfer an
abstract title
Both
Not specified, but
practically a
mortgage
Real estate When transferring
or offering to
transfer an
abstract of title.
Minn. Stat. Ann. §
386.375(3)
Available from the
Department of
Commerce
Closing MN Prepayment
Disclosure at
Closing
Cx1893 A residential mortgage
originator, including a
lender or a broker
Both
A residential
mortgage loan
that contains a
prepayment
penalty
Residential real
property,
improved (or
intended to be
improved) by a
structure of 1-to-
4 family units
Within 3 days
before the
borrower signs
the note
Minn. Stat. Ann. §
58.137(2)(b)
Minnesota
Residential
Mortgage
Originator and
Servicer Licensing
Act
Statutory
Property of Docutech, LLC Page 155 Version 18.03
Minnesota (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
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
Cx5083 (upon
request)
A residential mortgage
originator (practically
applies only to brokers)
Brokers
A residential
mortgage loan
Residential real
property,
improved (or
intended to be
improved) by a
structure of 1-to-
4 family units
At the expiration
of the originator
contract
Minn. Stat. Ann. §
58.16(7)
Minnesota
Residential
Mortgage
Originator and
Servicer Licensing
Act
No
Closing Addendum to the
Mortgage –
Request for
Notice
Cx7787 A person having a
redeemable interest in
the real property
Lenders
A mortgage Real property Not specified Minn. Stat. Ann. §
580.032
No
Closing MN Well
Disclosure
Statement
Cx14301 (upon
request)
A seller or the buyer
Both
Not specified, but
practically a
purchase loan
Real property,
excluding
individual
condominium
units
At the time of
closing
Minn. Stat. Ann. §
103I.235
Well Disclosure
Certificate Form
Closing Notice of
Servicing Transfer
Cx17905
(Federal)
A lender
Both
A mortgage loan A 1-to-4 family,
owner-occupied
residence
No more than 10
days after the
actual date of
transfer
Minn. Stat. Ann. §
47.205
12 CFR Pt. 1024,
App. MS-2
Property of Docutech, LLC Page 156 Version 18.03
Minnesota (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Closing MN Request for
Notice of
Foreclosure
Cx18225 A person having a
redeemable interest in
real property
Both
A mortgage Real property Not specified Minn. Stat. Ann.
§§ 580.032,
582.032, & 582.32
No
Closing MN Non-Finance
Charge Disclosure
Cx18226 A financial institution
Both
An open-end
credit account
Not specified At the time the
account is
established
Minn. Stat. Ann. §
47.59(12)(a)
Statutory
Click here for Table of Contents
Property of Docutech, LLC Page 157 Version 18.03
Click here for Table of Contents
Mississippi (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Anti-Coercion
Insurance
Disclosure
Cx2778 A vendor or lender
Both
A loan of money Real property Not specified Miss. Code Ann. §
83-5-35(h)
No
Initial Disclosure MS Mortgage
Origination
Agreement/Fee
Disclosure
Agreement
Cx3315 A licensee under the
Mississippi S.A.F.E.
Mortgage Act (Miss.
Code Ann. §§ 81-18-1
through 81-18-63)
Both
A residential
mortgage loan
A dwelling (as
defined in Section
103[w] of TILA) or
residential real
estate upon which
is (or is intended
to be) constructed
a dwelling
Not specified, but
practically before
performing any
origination
services
Miss. Code Ann. §
81-18-33(1)(a)
Mississippi S.A.F.E.
Mortgage Act
Partial Statutory
MS Mortgage
Origination
Agreement (in
Quick Links)
Initial Disclosure Good Faith
Estimate 01-01-10
Cx14221
(Federal)
A licensee under the
Mississippi S.A.F.E.
Mortgage Act (Miss.
Code Ann. §§ 81-18-1
through 81-18-63)
Both
A residential
mortgage loan
A dwelling (as
defined in Section
103[w] of TILA) or
residential real
estate upon which
is (or is intended
to be) constructed
a dwelling
Not specified, but
practically no later
than 3 business
days after receipt
of an application
Miss. Code Ann. §
81-18-33(1)(d)
Mississippi S.A.F.E.
Mortgage Act
12 CFR Pt. 1024,
App. C
Initial Disclosure MS Lock-in
Agreement
Cx16587 A licensee under the
Mississippi S.A.F.E.
Mortgage Act (Miss.
Code Ann. §§ 81-18-1
through 81-18-63)
Both
A residential
mortgage loan
A dwelling (as
defined in Section
103[w] of TILA) or
residential real
estate upon which
is (or is intended
to be) constructed
a dwelling
Before collecting
a lock-in fee
Miss. Code Ann.
§§ 81-18-28(2) &
81-18-33(1)(f);
Miss. Admin.
Code 5-2:1.11
Mississippi S.A.F.E.
Mortgage Act
No
Property of Docutech, LLC Page 158 Version 18.03
Mississippi (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure MS Insurance
Disclosure
Cx20580
(Upon Request)
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
Cx20581
(Upon Request)
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
Initial Disclosure,
TILA Redisclosure,
& Closing
TILA Disclosures Cx18, Cx1591,
and other TILA
Disclosures (all
Federal)
A licensee under the
Mississippi S.A.F.E.
Mortgage Act (Miss.
Code Ann. §§ 81-18-1
through 81-18-63)
Both
A residential
mortgage loan
A dwelling (as
defined in Section
103[w] of TILA) or
residential real
estate upon which
is (or is intended
to be) constructed
a dwelling
Various times Miss. Code Ann. §
81-18-33(1)(g)
Mississippi S.A.F.E.
Mortgage Act
12 CFR Pt. 1026,
App. H
Initial Disclosure,
Processing,
Underwriting, &
Closing
1003 Uniform
Residential Loan
Application,
including NMLS
Unique Identifier
disclosed thereon
On Cx4193
(FNMA/FHLMC)
Either: (1) any person
originating a residential
mortgage loan; or (2) a
licensee under the
Mississippi S.A.F.E.
Mortgage Act (Miss.
Code Ann. §§ 81-18-1
through 81-18-63)
Both
A residential
mortgage loan
A dwelling (as
defined in Section
103[w] of TILA) or
residential real
estate upon which
is (or is intended
to be) constructed
a dwelling
On the
application
Miss. Code Ann.
§§ 81-18-31(f) and
81-18-33(1)(b) &
(h)
Mississippi S.A.F.E.
Mortgage Act
FNMA 1003 Form -
Uniform Residential
Loan Application
Property of Docutech, LLC Page 159 Version 18.03
Mississippi (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Closing HUD-1 01-01-10 Cx14222
(Federal)
A licensee under the
Mississippi S.A.F.E.
Mortgage Act (Miss.
Code Ann. §§ 81-18-1
through 81-18-63)
Both
A residential
mortgage loan
A dwelling (as
defined in Section
103[w] of TILA) or
residential real
estate upon which
is (or is intended
to be) constructed
a dwelling
Not specified, but
practically at
closing
Miss. Code Ann. §
81-18-33(1)(c)
Mississippi S.A.F.E.
Mortgage Act
12 CFR Pt. 1024,
App. A
Click here for Table of Contents
Property of Docutech, LLC Page 160 Version 18.03
Click here for Table of Contents
Missouri (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Anti-Coercion
Insurance
Disclosure
Cx2778 A person who lends
money or extends
credit and who solicits
insurance
Both
A credit
extension,
including a
residential
mortgage
Real property,
including
residential
property
Not specified, but
practically before
closing
Mo. Ann. Stat. §
375.937(3)
Unfair Trade
Practice Act
No
Initial Disclosure Advanced
Fee/Application
Disclosure
Cx2783 A state financial
institution
Both
A loan,
presumably a
residential real
estate loan, which
generally
excludes
refinances
Residential real
estate, consisting
of 1-to-4 family
units
Upon receipt of a
written
application
Mo. Ann. Stat. §
408.580(2)
No
Initial Disclosure MO Loan
Brokerage
Disclosure
Statement and
Agreement
Cx3328 A residential mortgage
loan broker
Both
A residential
mortgage loan
A dwelling or
residential real
estate upon is (or
is intended to be)
constructed a
dwelling, as
defined by TILA
Not specified Mo. Ann. Stat. §
443.867
Missouri Secure
and Fair
Enforcement for
Mortgage
Licensing Act
No
Initial Disclosure MO Lock-in
Agreement
Cx16677 A lender
Lenders
A residential
mortgage loan
A dwelling or
residential real
estate upon is (or
is intended to be)
constructed a
dwelling, as
defined by TILA
Not specified, but
practically before
a rate-lock fee is
collected
Mo. Code Regs.
Ann. tit. 20, §
1140-30.280
Missouri Secure
and Fair
Enforcement for
Mortgage
Licensing Act
No
Property of Docutech, LLC Page 161 Version 18.03
Missouri (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure CSO Information
Statement
UR A credit services
organization (CSO)
Brokers
An extension of
credit for
consumer
purposes
Not specified Before executing a
contract or agreement
with a buyer or
receiving
consideration
Mo. Ann. Stat. §
407.641
Statutory
Initial Disclosure CSO Contract UR A credit services
organization (CSO)
Brokers
An extension of
credit for
consumer
purposes
Not specified Not specified Mo. Ann. Stat. §
407.642
Statutory
Adverse Action Statement of
Credit Denial,
Termination, or
Change
Cx15858
(Federal)
A state financial
institution
Both
A loan,
presumably a
residential real
estate loan, which
generally
excludes
refinances
Residential real
estate, consisting
of 1-to-4 family
units
After rejection of
a loan application
Mo. Ann. Stat. §
408.580(3)
12 CFR Pt. 1002,
App. C; Form C-1
Initial Disclosure,
Processing,
Underwriting, &
Closing
NMLS Unique
Identifier
Disclosed on 1003
Uniform
Residential Loan
Application
On Cx4193
(FNMA/FHLMC)
Any person originating
a residential mortgage
loan
Both
A residential
mortgage loan
A dwelling or
residential real
estate upon is (or
is intended to be)
constructed a
dwelling, as
defined by TILA
On the application Mo. Ann. Stat. §
443.745
Missouri Secure
and Fair
Enforcement for
Mortgage
Licensing Act
FNMA 1003 Form -
Uniform Residential
Loan Application
Property of Docutech, LLC Page 162 Version 18.03
Missouri (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Closing 3200 Note Fixed,
MO Deed of
Trust, MO Deed
of Trust Second,
and MO
Addendum to the
Note-Oral
Agreement
Cx5
(FNMA/FHLMC),
Cx333
(FNMA/FHLMC),
Cx491, Cx1056,
and Cx7789
(upon request)
A creditor
Both
A credit
agreement, which
is a lending or
forbearance of
the repayment of
money, extension
of credit, or other
financial
accommodation
Not specified Not specified, but
practically at
closing
Mo. Ann. Stat. §
432.045
Statutory
FNMA Form 3200 –
Multistate Fixed-
Rate Note
FNMA Form 3026 -
Missouri
Closing MO Deed of Trust
or MO Deed of
Trust Second
Cx333
(FNMA/FHLMC)
or Cx491
A creditor
Both
A credit
transaction in
which collateral
insurance is
obtained
Not specified Not specified, but
practically at
closing
Mo. Ann. Stat. §
427.120(2)
Collateral
Protection Act
FNMA Form 3026 -
Missouri
Closing MO Collateral
Protection
Insurance
Disclosure
Cx1005 A creditor
Both
A credit
transaction in
which collateral
insurance is
obtained
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
Cx7790 (upon
request)
Not specified
Both
An instrument Not specified Not specified, but
practically at
closing
Mo. Ann. Stat. §
442.210(4)
No
Closing Notice of
Servicing Transfer
Cx17905
(Federal)
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)
A dwelling or
residential real
estate upon is (or
is intended to be)
constructed a
dwelling, as
defined by TILA
When the
servicing of a
residential
mortgage is
transferred or sold
Mo. Ann. Stat. §
443.861
Missouri Secure
and Fair
Enforcement for
Mortgage
Licensing Act
12 CFR Pt. 1024,
App. MS-2
Property of Docutech, LLC Page 163 Version 18.03
Click here for Table of Contents
Montana (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
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
A mortgage loan
(aka a residential
mortgage loan)
A dwelling or
residential real
estate upon which
is either
constructed a
dwelling or is
intended to be
constructed a
dwelling within 2
years (subject to
24 CFR §
3500.5[b][4])
Within 3 business
days of taking an
application
Mont. Code Ann.
§ 32-9-124(2);
Mont. Admin. R.
2.59.1737
Montana
Mortgage Act
Mortgage Loan
Origination
Disclosure
Initial Disclosure Anti-Coercion
Insurance
Disclosure
Cx2778 A person who lends
money or extends
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
Property of Docutech, LLC Page 164 Version 18.03
Montana (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure MT Mortgage
Loan Rate Lock
Commitment
Cx14844 A licensed mortgage
lender under the
Montana Mortgage Act
Both
A mortgage loan
(aka a residential
mortgage loan)
A dwelling or
residential real
estate upon which
is either
constructed a
dwelling or is
intended to be
constructed a
dwelling within 2
years (subject to
24 CFR §
3500.5[b][4])
Not specified, but
practically before
an interest rate
lock-in fee is
charged
Mont. Code Ann.
§ 32-9-148(3)(c)
Montana
Mortgage Act
No
Initial Disclosure MT Loan
Commitment
Cx15517 A licensed mortgage
lender under the
Montana Mortgage Act
Both
A mortgage loan
(aka a residential
mortgage loan)
A dwelling or
residential real
estate upon which
is either
constructed a
dwelling or is
intended to be
constructed a
dwelling within 2
years (subject to
24 CFR §
3500.5[b][4])
After approval of
the loan
application, but
before a
commitment fee
is charged
Mont. Code Ann.
§ 32-9-148(3)(d)
& (5)
Montana
Mortgage Act
No
Closing MT Ack Real Prop
is not exempt
Cx1412 Not specified
Both
Not specified A homestead,
consisting of a
dwelling house or
mobile home
At closing Mont. Code Ann.
§§ 70-32-105, 70-
32-106, 70-32-
107, & 70-32-202
Homestead
Declaration
Click here for Table of Contents
Property of Docutech, LLC Page 165 Version 18.03
Click here for Table of Contents
Nebraska (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Initial Disclosure Anti-Coercion
Insurance
Disclosure
Cx2778 A person who lends
money or extends
credit
Lenders
A loan of money,
extension of
credit, or renewal
of an extension
of credit
Not specified Not specified Neb. Rev. Stat. §
44-1526(1)
Unfair Insurance
Trade Practices
Act
No
Initial Disclosure NE Loan Broker
Disclosure
Statement
Cx3444 A loan broker
Brokers
A loan of money Not specified At least 48 hours
before a borrower
signs a brokerage
agreement.
Neb. Rev. Stat. §
45-191.01
No
Initial Disclosure NE Construction
Loan Notice
Cx4669 Any person, firm, or
corporation lending
money
Both
A financing of
the construction
of improvements
on real property
Real property Before the
disbursement of any
proceeds under the
loan.
Neb. Rev. Stat. §
76-239.01
No
Initial Disclosure Dual Capacity
Disclosure
Cx12999 A licensee under the
Residential Mortgage
Licensing Act, who also
acts as a real estate
broker or agent
Both
A residential
mortgage loan,
that is connected
to the sale of real
estate
A 1-to-4 unit
dwelling or
residential real
estate upon
which is (or will
be constructed) a
dwelling
Before receiving
compensation as a
mortgage banker or
mortgage loan
originator
Neb. Rev. Stat. §
45-740(1)(g)
Residential
Mortgage
Licensing Act
No
Initial Disclosure,
Processing,
Underwriting, &
Closing
NMLS Unique
Identifier
Disclosed on
1003 Uniform
Residential Loan
Application
On Cx4193
(FNMA/FHLMC)
A licensee under the
Residential Mortgage
Licensing Act
Both
A residential
mortgage loan
A 1-to-4 unit
dwelling or
residential real
estate upon
which is (or will
be constructed) a
dwelling
On the application Neb. Rev. Stat. §
45-736
Residential
Mortgage
Licensing Act
FNMA 1003 Form -
Uniform
Residential Loan
Application
Property of Docutech, LLC Page 166 Version 18.03
Nebraska (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Closing Notice to
Cosigner on Fixed
Rate Note
Nebraska Second
On Cx1061 A licensee under the
Nebraska Installment
Loan Act
Both
A loan, the
interest rate of
which exceeds
16%
Not specified On a writing
evidencing a loan
Neb. Rev. Stat. §
45-1055(1)
Nebraska
Installment Loan
Act
Statutory
Closing NE Notice to
Cosigner
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
Cx15163 (upon
request)
Any person desiring a
copy of any notice of
default and any notice
of sale
Both
Not specified,
but one in
connection with
which a trust
deed, which
conveys real
property to a
trustee, is made
Real property Any time subsequent
to recording, but prior
to filing for record of a
notice of default.
Neb. Rev. Stat.
Ann. § 76-1008
Nebraska Trust
Deeds Act
Statutory
Closing Notice of
Servicing Transfer
Cx17905
(Federal)
A licensee under the
Residential Mortgage
Licensing Act
Both
A residential
mortgage loan
A 1-to-4 unit
dwelling or
residential real
estate upon
which is (or will
be constructed) a
dwelling
Not less than 15 days
prior to the effective
date of the transfer of
servicing rights
Neb. Rev. Stat.
Ann. § 45-739
Residential
Mortgage
Licensing Act
12 CFR Pt. 1024,
App. MS-2
Click here for Table of Contents
Property of Docutech, LLC Page 167 Version 18.03
Click here for Table of Contents
Nevada (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure NV Notice and
Waiver
Cx2772 A title insurer or title
agent, who are licensed
under Chapter 692A of
Nevada’s Revised
Statutes
Both
A loan which is
made
simultaneously
with the purchase
of all or part of
the real property
Real property Before the
disbursement of
loan proceeds or
the issuance of
the borrower’s
title policy.
Nev. Rev. Stat. §
692A.210
Statutory
Initial Disclosure Advanced
Fee/Application
Disclosure
Cx2783 Either: (1) a mortgage
broker and his or her
agents (both licensed
under Chapter 645B of
Nevada’s Revised
Statutes), or any other
person; or (2) a
mortgage banker, who
is licensed under
Chapter 645E, or any
other person
Both
A loan secured by
a lien on real
property
Real property Before accepting
any advance fees
Nev. Rev. Stat. §§
645B.165(3) &
645E.420(3)
No
Property of Docutech, LLC Page 168 Version 18.03
Nevada (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Anti-Coercion
Insurance Disclosure
Cx2788 Either: (1) a lender; or
(2) a person
Both
Either: (1) a home
loan, including a
consumer credit
transaction
subject to HOEPA
(15 USCA §
1602[aa]) and
regulations
adopted
pursuant thereto
(12 CFR § 226.32);
(2) any loan or
extension thereof
or credit; or (3) a
loan secured by
real property
Either: (1) home
property; or (2)
real property
Not specified Nev. Rev. Stat. §§
598D.100(1)(a),
686A.200 &
691A.030
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
Property of Docutech, LLC Page 169 Version 18.03
Nevada (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
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
A loan secured by
a lien on real
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
Initial Disclosure Addendum to Loan
Application
Cx13441 Not specified
Both
Not specified Not specified Not specified, but
practically at
application
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
A loan secured by
a lien on real
property
Real property At any time prior
to consummation
Nev. Rev. Stat.
Ann. § 645B.305;
AB 513 Guidance
Letter, Exhibit
NV12
Disclosure of Fees
Earned by
Mortgage Broker
Property of Docutech, LLC Page 170 Version 18.03
Nevada (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure NV Commitment
Agreement
Cx17103 (upon
request)
A person engaged in
the business of lending
money or extending
credit
Both
A loan of money
or extension of
credit
Not specified Not specified Nev. Rev. Stat.
Ann. § 111.220(4)
No
Initial Disclosure CSO Information
Statement
Upon Request An organization (CSO)
Brokers
An extension of
credit
Not specified Before the execution
of a contract between
the buyer and the
organization or before
receipt by the
organization of any
consideration,
whichever occurs first
Nev. Rev. Stat.
Ann. § 598.757
Statutory
Initial Disclosure CSO Contract Upon Request An organization (CSO)
Brokers
An extension of
credit
Not specified Not specified Nev. Rev. Stat.
Ann. § 598.762
No
Initial Disclosure,
Processing,
Underwriting, &
Closing
NMLS Unique
Identifier or License
Number Disclosed
on 1003 Uniform
Residential Loan
Application
On Cx4193
(FNMA/FHLMC)
A mortgage broker,
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
FNMA 1003 Form -
Uniform Residential
Loan Application
Property of Docutech, LLC Page 171 Version 18.03
Nevada (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure &
Closing
NV Reasonable
Means Disclosure
Cx12913 A lender
Both
A home loan,
including a low-
document, no-
document, or
stated-document
home loan, and a
consumer credit
transaction
subject to HOEPA
(15 USCA §
1602[aa]) and
regulations
adopted
pursuant thereto
(12 CFR § 226.32)
Real property Not specified Nev. Rev. Stat. §
598D.100(1)(b);
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
Property of Docutech, LLC Page 172 Version 18.03
Nevada (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Closing NV Affirmation
Regarding SSN
Cx11545 A person who records,
files, or otherwise
submits any document
to a governmental
agency
Both
Not specified Not specified Not specified Nev. Rev. Stat.
Ann. §
239B.030(6)
No
Click here for Table of Contents
Property of Docutech, LLC Page 173 Version 18.03
Click here for Table of Contents
New
Hampshire (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Advanced
Fee/Application
Disclosure and
Good Faith
Estimate 01-01-10
Cx2783 &
Cx14221
(Federal)
A mortgage banker or
a mortgage broker,
who is licensed under
Chapter 397 of New
Hampshire’s Revised
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
Initial Disclosure Anti-Coercion
Insurance
Cx3750 A creditor or a lender
Both
A purchase of real
or personal
property or a
lending of money
on the security of
real or personal
property
Real or personal
property
Not specified N.H. Rev. Stat.
Ann. § 417:4(XVI)
No
Initial Disclosure Addendum to
Loan Application
Cx13441 Not specified
Both
Not specified Not specified Not specified N.H. Rev. Stat.
Ann. § 457:1-a
No
Initial Disclosure NH Disclosure of
Payment
Application
Cx15935 (upon
request)
A licensee under
Chapter 397 of New
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
At the time the
loan application is
taken
N.H. Rev. Stat.
Ann. § 397-
A:14(III)
No
Property of Docutech, LLC Page 174 Version 18.03
New
Hampshire (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure CSO Information
Statement
UR A credit services
organization (CSO)
Brokers
An extension of
credit for
consumer
purposes
Not specified Prior to the
execution of a
contract or
agreement
between the
buyer and the
CSO or prior to
the CSO receiving
any consideration,
whichever occurs
first
N.H. Rev. Stat.
Ann. §§ 359-D:4 &
359-D:5
Credit Services
Regulation Act
No
Initial Disclosure CSO Contract UR A credit services
organization (CSO)
Brokers
An extension of
credit for
consumer
purposes
Not specified Not specified N.H. Rev. Stat.
Ann. § 359-D:6
Credit Services
Regulation Act
Statutory
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
Initial Disclosure,
Processing,
Underwriting, &
Closing
NMLS Unique
Identifier
Disclosed on 1003
Uniform
Residential Loan
Application
On Cx4193
(FNMA/FHLMC)
A licensee under
Chapter 397 of New
Hampshire’s Revised
Statutes
Both
A residential
mortgage loan
A dwelling, real
property, or
residential real
estate, of or upon
any of which is a
1-to-4 family
housing unit
On the
application
N.H. Rev. Stat.
Ann. § 397-A:6(I)
FNMA 1003 Form -
Uniform Residential
Loan Application
Property of Docutech, LLC Page 175 Version 18.03
New
Hampshire (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Closing Finance Change
Statement in
Truth-in-Lending
Disclosure
On Cx18
(Federal)
Any person engaged in
the business of
extending credit
Both
Credit, including a
residential
mortgage and a
consumer credit
transaction
Not specified Concurrently with
consummation
N.H. Rev. Stat.
Ann. §§ 399-B:2 &
399-B:2-a
12 CFR Pt. 1026,
App. H; Form H-2
Closing NH Water Supply
Disclosure
Cx18792 (upon
request)
A seller
Both
Not specified, but
practically a
purchase
transaction
Real property Prior to the
execution of any
purchase contract
N.H. Rev. Stat.
Ann. § 477:4-c
No
Click here for Table of Contents
Property of Docutech, LLC Page 176 Version 18.03
Click here for Table of Contents
New Jersey (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure NJ Authorization
of Overnight
Delivery Services
Cx1030 A lender
Both
A mortgage loan,
secured by a first
mortgage on real
property and
which has a
closed-end
Real property on
which there are 1-
to-4 dwelling
units
Before delivery
fees are charged.
N.J. Admin. Code
§ 3:1-16.2(a)(7)(i)
New Jersey
Residential
Mortgage
Lending Act
No
Initial Disclosure NJ Application
Disclosure Form
Cx21702 A lender or a broker
Both
A mortgage loan,
secured by a first
mortgage on real
property and
which has a
closed-end
Real property on
which there are 1-
to-4 dwelling
units
Before accepting
application and
third party fees.
N.J. Admin. Code
§ 3:1-16.3(a)
New Jersey
Residential
Mortgage
Lending Act
Yes
Initial Disclosure NJ Choice of
Insurer Notice
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
Cx4440 A creditor
Both
A high-cost home
loan
A 1-to-6 family
dwelling which is
(or will be)
occupied by a
borrower as a
principal dwelling
At least 3
business days
prior to
consummation.
N.J. Stat. Ann. §
46:10B-26(f)
New Jersey Home
Ownership
Security Act of
2002
Statutory
Property of Docutech, LLC Page 177 Version 18.03
New Jersey (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure NJ Commitment
Letter
Cx4479 A lender
Both
Either: (1) a loan;
or (2) a mortgage
loan, secured by a
first mortgage on
real property and
which has a
closed-end
Either: (1) real
property; or (2)
real property on
which there are 1-
to-4 dwelling
units
Not specified N.J. Stat. Ann. §
46:10A-6(c);
N.J. Admin. Code
§§ 3:1-16.5(a)(1)
through (9) & 3:1-
16.6
New Jersey
Residential
Mortgage
Lending Act
Partial
Administrative
N.J. Dept. of Bank.
and Ins., Bulletin 07-
12
Initial Disclosure NJ Rate Lock – In
Agreement
Cx4480 A lender
Both
A mortgage loan,
secured by a first
mortgage on real
property and
which has a
closed-end
Real property on
which there are 1-
to-4 dwelling
units
Not specified, but
practically more
than 3 days
before closing
N.J. Admin. Code
§§ 3:1-16.4 & 3:1-
16.6
New Jersey
Residential
Mortgage
Lending Act
No
Initial Disclosure NJ Right to
Choose Own
Attorney
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
Property of Docutech, LLC Page 178 Version 18.03
New Jersey (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Addendum to
Loan Application
Cx13441 Not specified
Both
Not specified Not 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
A mortgage loan,
secured by a first
mortgage on real
property and
which has a
closed-end
Real property on
which there are 1-
to-4 dwelling
units
Within 3 business
days after
receiving the
borrower’s
application or
before closing,
whichever is
earlier
N.J. Admin. Code
§§ 3:1-16.2 & 3:1-
16.3(d)
New Jersey
Residential
Mortgage
Lending Act
12 CFR Pt. 1024,
App. C
N.J. Dept. of Bank.
And Ins., Bulletin
10-17
Initial Disclosure NJ Broker
Agreement
Cx17071 (upon
request)
A broker (aka
residential mortgage
broker) licensed under
the New Jersey
Residential Mortgage
Lending Act (N.J. Stat.
Ann. §§ 17:11C-51
through 17:11C-89)
Brokers
A mortgage loan,
secured by a first
mortgage on real
property and
which has a
closed-end
Real property on
which there are 1-
to-4 dwelling
units
Before accepting
any loan
application
N.J. Admin. Code
§ 3:1-16.10
New Jersey
Residential
Mortgage
Lending Act
No
Initial Disclosure,
Processing,
Underwriting, &
Closing
NMLS Unique
Identifier
Disclosed on 1003
Uniform
Residential Loan
Application
On Cx4193
(FNMA/FHLMC)
A residential mortgage
lender, a residential
mortgage broker, or a
mortgage loan
originator, who are
licensed under the New
Jersey Residential
Mortgage Lending Act
Both
A residential
mortgage loan
A dwelling (as
defined in section
103[w] of TILA) or
residential real
estate upon which
is (or is intended
to be)
constructed a
dwelling
On the
application
N.J. Stat. Ann. §
17:11C-72 New
Jersey Residential
Mortgage
Lending Act
FNMA 1003 Form -
Uniform Residential
Loan Application
Property of Docutech, LLC Page 179 Version 18.03
New Jersey (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Closing NJ Initial Tax
Authorization
Notice
Cx1507 Either: (1) a selling
servicing organization;
(2) a servicing
organization; (3) an
person holding a
mortgage on the land;
or (4) mortgagees,
servicing organizations,
or property tax
processing
organizations
Both
A mortgage loan Either: (1) real
property on which
there is (or will
be) erected a 1-
to-6 dwelling
structure; or (2)
land, including
real property
When a mortgage
escrow account is
sold, assigned, or
transferred to a
purchasing
servicing
organization
N.J. Stat. Ann. §§
17:16F-17, 54:4-
64(c), & 54:5-
104.48; N.J.
Admin. Code §§
5:33-4.3 & 5:33-
4.4
In Rem Tax
Foreclosure Act
(1948)
ME1 - Initial Tax
Authorization
Notice
Closing NJ Private Well
Water Test Results
Cx4441 Not specified
Both
Every contract of
sale of real
property (i.e. a
purchase loan)
Real property At closing N.J. Stat. Ann. §
58:12A-27
Private Well
Testing Act
No
Click here for Table of Contents
Property of Docutech, LLC Page 180 Version 18.03
Click here for Table of Contents
New Mexico (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Mortgage Loan
Company
Compensation on
Initial Truth-in-
Lending
Disclosure and
Good Faith
Estimate 01-01-10
Cx1591
(Federal) &
Cx14221
(Federal)
Either: (1) a mortgage
loan company, licensed
under the Mortgage
Loan Company Act; or
(2) a mortgage loan
originator, licensed
under the New Mexico
Mortgage Loan
Originator Licensing
Act
Both
Either: (1) a
mortgage loan; or
(2) a residential
mortgage loan
A 1-to-4 unit
dwelling or
residential real
estate upon which
is (or is intended
to be)
construction a
dwelling
At least 2 days
prior to closing.
N.M. Stat. Ann. §§
58-21-31(D) and
58-21B-20(A)(7) &
(B)(1); N.M.
Admin. Code
12.19.2.13 &
12.19.8.12(B)
Mortgage Loan
Company Act and
New Mexico
Mortgage Loan
Originator
Licensing Act
12 CFR Pt. 1024,
App. C & Pt. 1026,
App. H; Form H-2
Initial Disclosure NM High-Cost
Home Loan Notice
to Borrower
Cx2747 A creditor or a
mortgage loan
originator
Both
A high-cost home
loan
Real estate upon
which there is (or
will be) located a
1-to-4 family,
borrower-
occupied
structure
At least 3
business days
prior to
consummation
N.M. Stat. Ann. §
58-21A-5(e)
Home Loan
Protection Act
Statutory
Initial Disclosure Advanced
Fee/Application
Disclosure
Cx2783 A licensee under the
Mortgage Loan
Company Act (N.M.
Stat. Ann. §§ 58-21-1
through 58-21-32)
Both
A mortgage loan A 1-to-4 unit
dwelling or
residential real
estate upon which
is (or will be) a
dwelling
Not specified N.M. Admin. Code
12.19.8.8(D)(2)
Mortgage Loan
Company Act
No
Property of Docutech, LLC Page 181 Version 18.03
New Mexico (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure NM Freedom to
Choose Insurance
Company
Cx2794 A lender
Both
A loan of money
secured by real or
personal property
Real or personal
property
Not specified. N.M. Stat. Ann. §
59A-16-14(A);
N.M. Admin. Code
13.7.2.8
New Mexico
Insurance Code
Administrative
Initial Disclosure NM Authorization
for Lender to
Obtain Insurance
Cx2795 A lender
Both
A loan Real or personal
property
After signing
Cx2794
N.M. Admin. Code
13.7.2.9
New Mexico
Insurance Code
Administrative
Initial Disclosure NM Attorney
Preference
Cx8809 Not specified
Both
A home loan Real estate upon
which there is (or
will be) a 1-to-4
family, borrower-
occupied
structure
Not specified N.M. Stat. Ann. §
58-21A-
3(M)(1)(d)(8)
Home Loan
Protection Act
No
Initial Disclosure Tangible Net
Benefit Worksheet
Cx12531 A creditor
Both
A home loan
which refinances
another home
loan
Real estate upon
which there is (or
will be) a 1-to-4
family, borrower-
occupied
structure
Not specified N.M. Stat. Ann. §
58-21A-4(b)
Home Loan
Protection Act
No
Initial Disclosure Addendum to
Loan Application
Cx13441 Not specified
Both
Not specified Not specified Not specified, but
practically at
application
N.M. Stat. Ann. §
40-1-4; N.M.
Attn’y Gen.
Opinion No. 11-
01
No
Property of Docutech, LLC Page 182 Version 18.03
New Mexico (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure NM Rate Lock
Disclosure
Cx14305 or
Cx14725 (upon
request)
A mortgage loan
company, licensed
under the Mortgage
Loan Company Act
Both
A mortgage loan A 1-to-4 unit
dwelling or
residential real
estate upon which
is (or is intended
to be)
construction a
dwelling
Not specified N.M. Stat. Ann. §
58-21-31(B) & (F);
N.M. Admin. Code
12.19.8.12(A)
Mortgage Loan
Company Act
New Mexico Rate
Lock/Float
Disclosure
Initial Disclosure &
TILA Redisclosure
Mortgage Loan
Summary on
Good Faith
Estimate 01-01-10
and Initial Truth-
In-Lending
Disclosure
Cx1591
(Federal) and
Cx14221
(Federal)
Either: (1) a mortgage
loan company, licensed
under the Mortgage
Loan Company Act; or
(2) a mortgage loan
originator, licensed
under the New Mexico
Loan Originator
Licensing Act
Both
Either: (1) a
mortgage loan; or
(2) a residential
mortgage loan
A 1-to-4 unit
dwelling or
residential real
estate upon which
is (or is intended
to be)
constructed a
dwelling
At least 2 days
prior to closing.
N.M. Stat. Ann. §§
58-21-31(E), 58-
21B-20(A)(6) &
(A)(7), & 58-21B-
20(B)(2); N.M.
Admin. Code
12.19.2.13 &
12.19.8.12(B)
Mortgage Loan
Company Act and
New Mexico
Mortgage Loan
Originator
Licensing Act
12 CFR Pt. 1024,
App. C & Pt. 1026,
App. H
Initial Disclosure,
Processing,
Underwriting, &
Closing
NMLS Unique
Identifier
Disclosed on 1003
Uniform
Residential Loan
Application
On Cx4193
(FNMA/FHLMC)
Any person originating
a residential mortgage
loan
Both
A residential
mortgage loan
A 1-ot-4 unit
dwelling or
residential real
estate upon which
is (or will be) a
dwelling
On the
application
N.M. Stat. Ann. §
58-21B-24
New Mexico
Mortgage Loan
Originator
Licensing Act
FNMA 1003 Form -
Uniform Residential
Loan Application
Property of Docutech, LLC Page 183 Version 18.03
New Mexico (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure &
Closing
NM Favorable
Terms Disclosure
Cx18456 A mortgage loan
originator
Both
A residential
mortgage loan
A 1-ot-4 unit
dwelling or
residential real
estate upon which
is (or will be) a
dwelling
Not specified N.M. Stat. Ann. §
58-21B-20(A)(7)
New Mexico
Mortgage Loan
Originator
Licensing Act
No
Click here for Table of Contents
Property of Docutech, LLC Page 184 Version 18.03
Click here for Table of Contents
New York (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure NY Lock-in
Expiration Notice
Cx1569 A mortgage banker
licensed under Article
12-D of the Banking
Law or an exempt
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
Cx1572 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
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
Property of Docutech, LLC Page 185 Version 18.03
New York (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure NY Pre-
Application
Disclosure and
Fee Agreement
for Licensed
Brokers
Cx3587 A mortgage broker,
who is registered under
Article 12-D of the
Banking Law
Brokers
A mortgage loan Residential real
property,
improved by a 1-
to-4 family,
owner-occupied
dwelling
Prior to taking an
application or
collecting an
application, credit
report, or
property appraisal
fee
N.Y. Comp. Codes
R. & Regs. tit. 3, §
38.3(a)(1)
Banking Law
Pre-Application
Disclosure and Fee
Agreement
(brokers)
Initial Disclosure NY Interest Rate
Lock Commitment
Cx3588 A mortgage banker
licensed under Article
12-D of the Banking
Law or an exempt
organization
Both
A mortgage loan,
used to purchase
a dwelling or in
which a
commitment fee
or paints are paid
to the lender
Residential real
property,
improved by a 1-
to-4 family,
owner-occupied
dwelling
At the time of
commitment and
prior to the
acceptance of a
commitment fee
or points.
N.Y. Comp. Codes
R. & Regs. tit. 3, §
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
A high cost home
loan
Real estate upon
which there is (or
will be) located a
1-to-4 family,
borrower-
occupied
structure
At or prior to
taking an
application
N.Y. Comp. Codes
R. & Regs. tit. 3, §
41.4(a)
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
A high cost home
loan
Real estate upon
which there is (or
will be) located a
1-to-4 family,
borrower-
occupied
structure
At least 10
business days
before the loan is
closed.
N.Y. Comp. Codes
R. & Regs. tit. 3, §
41.5(b)(5)
Banking Law
No
Property of Docutech, LLC Page 186 Version 18.03
New York (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
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
A high cost home
loan
Real estate
improved by a 1-
to-4 family,
borrower-
occupied
structure
At the time of
application
N.Y. Banking Law
§ 6-l(2)(l)(i); N.Y.
Comp. Codes R. &
Regs. tit. 3, §
41.3(a)(1)
Banking Law
Statutory &
Administrative
Initial Disclosure NY Prevailing
Interest Rate
Commitment
Cx3710 A licensee under Article
12-D of the Banking
Law (aka a mortgage
banker) or an exempt
organization
Both
A mortgage loan Residential real
property,
consisting of real
property
improved by a 1-
to-4 family,
owner-occupied
dwelling
Prior to
acceptance of a
commitment fee,
points, or other
discounts
N.Y. Comp. Codes
R. & Regs. tit. 3, §
38.5
Banking Law
New York Prevailing
Interest Rate
Commitment
Property of Docutech, LLC Page 187 Version 18.03
New York (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure NY Balloon
Payment
Disclosure
Cx4168 A lender
Both
Either: (1) a
balloon-payment
mortgage loan,
consisting of a
term of 3 years or
more, which is a
junior mortgage
with an
outstanding
balance of
$250,000 or less
(including all lien
balances); or (2) a
balloon-payment
mortgage loan,
which is a primary
lien, which has a
principal amount
of less than
$250,000, and
which has an
adjustable
interest rate
Real property
improved by a 1-
to-4 family,
owner-occupied
residence
Prior to accepting
an application
N.Y. Comp. Codes
R. & Regs. tit. 3,
§§ 80.4(a) & (b)
and 82.6(a) & (b)
Banking Law
Administrative
Property of Docutech, LLC Page 188 Version 18.03
New York (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure NY Lock In
Agreement
Cx5099 A mortgage banker,
who is licensed under
Article 12-D of the
Banking Law or an
exempt organization
Lenders
A mortgage loan Residential real
property,
consisting of real
property
improved by a 1-
to-4 family,
owner-occupied
dwelling
Prior to taking
any points or a
lock-in fee
N.Y. Comp. Codes
R. & Regs. tit. 3, §
38.6
Banking Law
New York Lock-In
Agreement
Initial Disclosure NY Pre-
Application
Disclosure for
Licensed Bankers
Cx5100 A mortgage banker,
who is licensed under
Article 12-D of the
Banking Law or an
exempt organization,
either of whom are
acting in a brokerage
capacity
Lenders
A mortgage loan Residential real
property,
consisting of real
property
improved by a 1-
to-4 family,
owner-occupied
dwelling
Prior to taking an
application or
collecting an
application, credit
report, or
appraisal fee
N.Y. Comp. Codes
R. & Regs. tit. 3, §
38.3(c)(1)
Banking Law
Pre-Application
Disclosure and Fee
Agreement
(brokers)
Initial Disclosure Junior Lien
Disclosure
Cx5283 A lender
Both
A junior
mortgage loan of
$250,000 or less
(combined with
all outstanding
balances),
including a
revolving credit
line, in an amount
of $2,500 or more
Real property
improved by a 1-
to-4 family
owner-occupied
residence
Prior to accepting
an application.
N.Y. Comp. Codes
R. & Regs. tit. 3,
§§ 80.4(c) &
80.10(b)
Banking Law
Administrative
Property of Docutech, LLC Page 189 Version 18.03
New York (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure NY Application
Disclosure
Cx9710 A mortgage banker,
who is licensed under
Article 12-D of the
Banking Law or an
exempt organization
Lenders
A mortgage loan,
used to finance
the purchase of a
dwelling, or in
connection
therewith
commitment fees
or points are paid
prior to closing
Residential real
property,
consisting of real
property
improved by a 1-
to-4 family,
owner-occupied
dwelling
Prior to the taking
of an application,
application fee,
credit report fee,
or property
appraisal fee
N.Y. Comp. Codes
R. & Regs. tit 3, §
38.3(b)(1)
Banking Law
Partial
Administrative
Initial Disclosure
NY Title Insurance
Disclosure
Cx21860
(upon request)
A person who acts as
an agent,
representative,
attorney, or employee
of the owner, lessee, or
mortgagee of the real
property
Not specified Real Property At the time of
making a referral
NY Insurance Law
§2113(d)
Statutory
Initial Disclosure Tangible Net
Benefit Worksheet
Cx12531 (upon
request)
A lender, who is either
a licensed mortgage
banker under Article
12-D of the Banking
Law or an exempt
organization
Both
A subprime loan
which refinances
a home loan
Real estate
improved by
either a 1-to-4
family dwelling, a
condo unit, or a
coop unit, which
is (or will be) the
borrower’s
principal dwelling
Not specified N.Y. Banking Law
§ 6-m(2)(h)
Bonking Law
No
Property of Docutech, LLC Page 190 Version 18.03
New York (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
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
A high cost home
loan
Real estate
improved by a 1-
to-4 family,
borrower-
occupied
structure
Within 3 days
after determining
the loan is a high-
cost home loan,
but no less than
10 days before
closing.
N.Y. Banking Law
§ 6-l(2)(l)(ii); N.Y.
Comp. Codes R. &
Regs. tit. 3, §
41.3(a)(2)
Banking Law
Statutory &
Administrative
Initial Disclosure NY Notice to
Borrower
Cx12870 A lender or a broker,
who is either licensed
or registered under
Article 12-D of the
Banking Law or who
are an exempt
organization
Both
A high cost home
loan
Real estate upon
which is (or will
be) a 1-to-4
family, borrower-
occupied
structure
At application or,
if application is
made by
telephone, within
3 days after
determining the
loan is a high-
cost home loan,
but no less than
10 days before
closing.
N.Y. Comp. Codes
R. & Regs. tit. 3, §
41.4(d)
Banking Law
Administrative
Initial Disclosure Addendum to
Loan Application
Cx13441 Not specified
Both
Not specified Not specified Not specified, but
practically at
application
N.Y. Dom. Rel.
Law § 10-a
Domestic
Relations Law
No
Initial Disclosure Good Faith
Estimate 01-01-10
Cx14221
(Federal)
A mortgage broker,
who is licensed under
Article 12-D of the
Banking Law
Brokers
A home loan Not specified Within 3 days
after receipt of
application.
N.Y. Banking Law
§ 590-b(1)(e)
Banking Law
12 CFR Pt. 1024,
App. A
Property of Docutech, LLC Page 191 Version 18.03
New York (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
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
Real estate
improved by a 1-
to-4 family,
owner-occupied
dwelling
At the time of
application.
N.Y. Banking Law
§ 6-m(2)(j)
Banking Law
Statutory
Initial Disclosure NY FHA Mortgage
Loan
Correspondent
Disclosure
Cx14650 (upon
request)
A FHA mortgage loan
correspondent
Both
A mortgage loan Residential real
property,
improved by a 1-
to-4 family,
owner-occupied
dwelling
Prior to accepting
an application,
application fee,
credit report fee,
or property
appraisal fee
N.Y. Comp. Codes
R. Regs. tit. 3, §
38.13(d)
Banking Law
Administrative
Initial Disclosure NY Notice of
Right to Select
Attorney
Cx15665 (upon
request)
A mortgage broker or
mortgage banker
licensed or registered
under Article 12-D of
the Banking Law, or an
exempt organization
Both
A mortgage loan Residential real
property,
improved by a 1-
to-4 family,
owner-occupied
dwelling
Not specified N.Y. Comp. Codes
R. & Regs. tit. 3, §
38.7(a)(11)
Banking Law
No
Initial Disclosure High Cost
Tangible Net
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
A high cost home
loan
Real estate upon
which there is (or
will be) a 1-to-4
family, owner-
occupied
structure
Not specified N.Y. Comp. Codes
R. & Regs. tit. 3, §
41.5(b)(4)
Banking Law
No
Property of Docutech, LLC Page 192 Version 18.03
New York (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
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
A mortgage loan Residential real
property,
improved by a 1-
to-4 family,
owner-occupied
dwelling
At the first
substantive
contact between
the broker and
the borrower.
N.Y. Comp. R. &
Regs. tit. 3, §
38.12
Banking Law
Administrative
Initial Disclosure NY Non-Purchase
Residential
Mortgage Loan
Disclosure
Cx17012 (upon
request)
A mortgage banker
licensed under Article
12-D of the Banking
Law or an exempt
organization
Lenders
A mortgage loan,
the proceeds of
which are not for
purchasing or
construction
purposes and in
connection
therewith no
commitment fees
or points are paid
to the lender
prior to closing
Residential real
property,
improved by a 1-
to-4 family,
owner-occupied
dwelling
At loan approval N.Y. Comp. Codes
R. & Regs. tit. 3, §
38.4(b)
Banking Law
No
Adverse Action Statement of
Credit Denial,
Termination or
Charge
Cx15858
(Federal)
Either: (1) a banking
organization or
licensed mortgage
banker under Article
12-D of the Banking
Law which originates
mortgage loans; or (2)
a creditor
Both
Either: (1) a
mortgage loan; or
(2) credit
Real property Not specified N.Y. Banking Law
§ 6-d; N.Y. Exec.
Law § 296-a(4)
Banking Law and
Executive Law
12 CFR Pt. 1002,
App. C; Form C-1
Property of Docutech, LLC Page 193 Version 18.03
New York (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure &
Closing
Various TILA
Disclosures
Cx18, Cx1591,
and other TILA
Disclosures (all
Federal)
A bank, trust company,
savings bank, savings
and loan association,
credit union, mortgage
banker and branch or
agency of a foreign
banking corporation
licensed under Article 2
of the Banking Law
Both
A mortgage loan,
which is a primary
lien, which has a
principal amount
of less than
$250,000, and
which has an
adjustable
interest rate
Real property,
consisting of 1-
to-4 family
residences
occupied by the
owner
Prior to accepting
an application for
a loan
N.Y. Comp. Codes
R & Regs. tit. 3, §§
82.6 & 82.9
Banking Law
12 CFR Pt. 1026,
App. H
Initial Disclosure &
Closing
NY Fair Credit
Reporting Act
Disclosure
Cx3576 A person who intends
to use a consumer
credit report in
connection with a
credit transaction
involving the consumer
Both
An extension of
credit
Not specified Before a person
requests a
consumer report.
N.Y. Gen. Bus. Law
§ 380-b
Fair Credit
Reporting Act
No
Initial Disclosure,
Processing,
Underwriting, &
Closing
NMLS Unique
Identifier
Disclosed on 1003
Uniform
Residential Loan
Application
On Cx4193
(FNMA/FHLMC)
Any person originating
a residential mortgage
loan
Both
A residential
mortgage loan
A dwelling (as
defined in Section
1203[v] of TILA),
or residential real
property, which is
improved by a 1-
to-4 family
residence
On the
application
N.Y. Banking Law
§ 599-P
Banking Law
FNMA 1003 Form -
Uniform Residential
Loan Application
Property of Docutech, LLC Page 194 Version 18.03
New York (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure &
Closing
Credit Score
Disclosure – B-
3/H-3
Cx15312
(Federal)
A banking organization
and licensed mortgage
banker under Article
12-D of the Banking
Law which originates
mortgage loans
Both
A mortgage loan Real property Not specified, but
practically after
approving a loan
with materially
less favorable
terms than
normal
N.Y. Banking Law
§ 6-d
Banking Law
12 CFR Pt. 1022,
App. H; 16 CFR Pt.
698, App. B; Form
B-3/H-3
Initial Disclosure &
TILA Redisclosure
Notice of Right to
Receive Copy of
Appraisal Report
Cx17903 &
17904 (Federal)
A lender
Both
A loan or
forbearance
secured primarily
by an interest in
real property
Real property Not specified N.Y. Real Prop.
Law § 254-C(1)
Real Property Law
12 CFR Pt. 1002,
App. C; Form C-9
12 CFR §
1026.35(c)(5)(i)
(West 2013)
Closing Subprime or
High-Cost Home
Loan Legend on
NY Mortgages
On Cx343
(FNMA/FHLMC),
Cx396 (FHA),
Cx501, Cx16198,
& Cx16245
Not specified
Both
A high-cost home
loan or a
subprime home
loan
Real estate
improved by a 1-
to-4 unit family
dwelling used as
the borrower’s
principal dwelling
On the mortgage N.Y. Banking Law
§§ 6-l(2-a)(a) & 6-
m(5); N.Y. Comp.
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
Residential real
property,
consisting of real
property
improved by a 1-
to-4 family
On the note N.Y. Banking Law
§ 590-A(2)
Banking Law
No
Property of Docutech, LLC Page 195 Version 18.03
New York (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Closing NY Smoke Alarm
Affidavit
Cx1419 The seller
Both
A conveyance (i.e.
a purchase loan)
Real property
containing a 1-to-
2 family dwelling
or condo unit
used as a
residence
Grantor provides
at the time of
conveyance
N.Y. Exec. Law §
378(5-b)(d)
New York State
Uniform Fire
Prevention and
Building Code Act
No
Closing NY Consolidation,
Extension and
Modification
Agreement
Cx1583 Not specified
Both
A refinance
mortgage
(sometimes a
purchase money
mortgage)
Real property At closing N.Y. Tax Law §§
250 through 267;
FNMA 2013
Selling Guide, B8-
2-02
New York
Consolidation,
Extension, and
Modification
Agreement
Closing New York Notice of Change in Status of Tax
Escrow Accounts
Cx9443 (upon
request)
A mortgage investing
institution
Both
A loan with a real
property tax
escrow account
A 1-to-6 family,
owner-occupied
residence
No later than the
25th day of each
month
N.Y. Real Prop.
Tax Law § 953(9)
RP-953 Notice of
Change in Status of
Tax Escrow Account
Closing NY Tax Escrow
Account
Designation
Cx2657 Not specified, but
practically a mortgage
investing institution
Both
A loan with a real
property tax
escrow account
A 1-to-6 family,
owner-occupied
residence
Not specified N.Y. Real Prop.
Tax § 954(1)
RP-954 Tax Escrow
Account
Designation of
Mortgage Investing
Institution to
Receive Tax Bills
Closing NY Notice to
Cosigner
Cx12871 A creditor
Both
A consumer credit
transaction
Not specified At closing N.Y. Gen. Oblig.
Law § 15-702(3)
Statutory
Closing NY Property
Insurance Escrow
Account
Disclosure
Cx15034 A mortgage investing
institution
Both
A loan with a real
property
insurance escrow
account
A 1-to-4 family,
owner-occupied
residence
At the time of the
establishment of
the real property
insurance escrow
account.
N.Y. Banking Law
§ 6-k(2)(f)
Banking Law
Statutory
Click here for Table of Contents
Property of Docutech, LLC Page 196 Version 18.03
Click here for Table of Contents
North
Carolina (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure NC Notice of
Information
Cx1271 A lender
Both
A home loan,
which is a first
lien loan with a
principal amount
of less than
$300,000
Real estate upon
which there is
located 1-to-4
family dwellings
or dwelling units
Not later than
closing or 3
business days
after receiving an
application,
whichever is
earlier.
N.C. Gen. Stat. §
24-1.1A(a1)(1)
Notice of
Amortization
Information &
Examples
Initial Disclosure Anti-Coercion
Insurance Disclosure
Cx2778 Either: (1) a person,
firm, or corporation
engaged in lending
money; or (2) a creditor
Both
A loan for the
purchase of
property or a
loan of money
on the security
of a security
instrument on
the property
Real or personal
property
Not specified N.C. Gen. Stat. §§
75-17, 75-18, &
58-57-65
No
Initial Disclosure Right to Choose
Attorney
Cx3846 Not specified
Both
A high-cost
home loan
A manufactured
home or real
estate with 1-to-
4 dwelling units
occupied as the
borrower’s
principal
dwelling
Not specified N.C. Gen. Stat.
Ann. § 24-
1.1E(a)(5)(b)(ii)
No
Property of Docutech, LLC Page 197 Version 18.03
North
Carolina (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure NC
Acknowledgement of
Fixed Rate Loan
Terms and Costs
Cx13327 Any person in the
course of any
residential loan
transaction
Both
A residential
mortgage loan,
which is also a
rate spread
adjustable rate
loan
A dwelling,
consisting of 1-
to-4 units, or
residential real
estate upon
which is (or is
intended to be) a
dwelling
Not specified, bet
practically before
brokering a rate
spread adjustable
rate loan.
N.C. Gen. Stat.
Ann. § 53-
244.111(13)
North Carolina
Secure and Fair
Enforcement
(S.A.F.E.)
Mortgage
Licensing Act
No
Initial Disclosure NC Loan Brokerage
Agreement and Loan
Origination
Disclosure Statement
Cx20008
(upon request)
A broker A loan Not specified At the time the
borrower signs
the contract
N.C. Gen. Stat.
Ann. § 66-110
No
Initial Disclosure NC Broker Disclosure Cx20017
(upon request)
A broker A loan Not specified At least 7 days
prior to the time
any person signs
a broker contract
N.C. Gen. Stat.
Ann. § 66-107
Yes
Initial Disclosure,
Processing,
Underwriting, &
Closing
NMLS Unique
Identifier Disclosed
on 1003 Uniform
Residential Loan
Application
On Cx4193
(FNMA/FHLMC)
A mortgage loan
originator or other
person engaged in the
mortgage business
Both
A residential
mortgage loan
A dwelling,
consisting of 1-
to-4 units, or
residential real
estate upon
which is (or is
intended to be) a
dwelling
On the
application
N.C. Gen. Stat.
Ann. § 53-244.107
North Carolina
Secure and Fair
Enforcement
(S.A.F.E.)
Mortgage
Licensing Act
FNMA 1003 Form -
Uniform Residential
Loan Application
Property of Docutech, LLC Page 198 Version 18.03
North
Carolina (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure &
Processing
NC Fee Information
From Your Mortgage
Broker
Cx15944 A mortgage broker
Brokers
A residential
mortgage loan
A dwelling,
consisting of 1-
to-4 units, or
residential real
estate upon
which is (or is
intended to be) a
dwelling
In a timely
manner
N.C. Gen. Stat.
Ann. § 53-
244.109(5)
North Carolina
Secure and Fair
Enforcement
(S.A.F.E.)
Mortgage
Licensing Act
Model Mortgage
Broker Disclosure
Form
Initial Disclosure &
TILA Redisclosure
Notice of Right to
Receive Copy of
Appraisal Report
Cx17903 &
17904 (Federal)
A bank, savings and
loan association,
savings bank, or credit
union
Both
A loan secured
by real property
Real property Not specified N.C. Gen. Stat.
Ann. § 24-10(h)
12 CFR Pt. 1002,
App. C; Form C-9
12 CFR §
1026.35(c)(5)(i)
(West 2013)
Closing NC Tangible Net
Benefit Worksheet
Cx2031 A lender
Both
A consumer
home loan which
refinances
another
consumer home
loan
Real estate with
1-to-4 units
which is the
borrower’s
principal
dwelling
Not specified N.C. Gen. Stat. §
24-10.2(c)
No
Closing NC Renewal and
Extension Agreement
Cx20015
(upon request)
A lender
Both
A loan Not specified At or before
registration of the
deed of trust or
mortgage
N.G. Gen. Stat.
Ann. § 45-80
No
Click here for Table of Contents
Property of Docutech, LLC Page 199 Version 18.03
Click here for Table of Contents
North
Dakota (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure ND VA Loan
Applicants
Disclosure
Cx1602 A lender
Lenders
A mortgage loan
insured or
guaranteed by
the United States
Veteran’s
Administration
Real property At application N.D. Cent. Code
Ann. § 35-03-01.3
Statutory
Initial Disclosure ND Money Broker
Contract
Cx1904 A money broker
Both
A loan Not specified Before the money
broker performs
any services for a
potential
borrower
N.D. Admin. Code
§§ 13-05-01-02,
13-05-01-05, &
13-05-01-09
Partial
Administrative
Initial Disclosure ND Money Broker
Loan Disclosure
Statement
Cx1905 A money broker
Both
A loan Not specified When a loan is
arranged
N.D. Admin. Code
13-05-01-03 &
13-05-01-04
Partial Statutory
Initial Disclosure Anti-Coercion
Insurance
Disclosure
Cx2778 A person
Both
A purchase loan
or a lending of
money on the
security of
property
Property Not specified N.D. Cent. Code
Ann. § 26.1-04-04
No
Initial Disclosure Privacy Policy
Notice
Cx15182
(Federal)
A financial institution
Both
Not specified Not specified Generally, before
disclosure of
customer
information to
any person
N.D. Cent. Code
Ann. §§ 6-08.1-03
& 6-08.1-04; N.D.
Admin. Code §
13-02-21-01
12 CFR Pt. 1016,
App. A
Property of Docutech, LLC Page 200 Version 18.03
North
Dakota (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure,
Processing,
Underwriting, &
Closing
NMLS Unique
Identifier
Disclosed on 1003
Uniform
Residential Loan
Application
On Cx4193
(FNMA/FHLMC)
Any person originating
a residential mortgage
loan
Both
A residential
mortgage loan
A dwelling (as
defined as Section
103[w] of TILA) or
residential real
estate upon which
is (or is intended
to be) a dwelling
On the
application
N.D. Cent. Code
Ann. § 13-10-21
FNMA 1003 Form -
Uniform Residential
Loan Application
Click here for Table of Contents
Property of Docutech, LLC Page 201 Version 18.03
Click here for Table of Contents
Ohio (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific
Language
Required
Initial Disclosure Anti-Coercion
Insurance Disclosure
Cx2778 A person
Both
A lending of
money, extension
of credit, renewal
of an extension
of credit, or a
residential
mortgage
Residential and
real property,
including a
mobile or
manufactured
home
Not specified Ohio Rev. Code Ann.
§§ 3901.211 &
3933.04
No
Initial Disclosure OH Affiliated
Agreement
Disclosure
Cx3843 A lending institution,
service corporation, or
any person engaged in
providing real estate
brokerage services
Both
A real estate loan Real estate Not specified Ohio Rev. Code Ann.
§ 1349.11
No
Initial Disclosure OH Addendum to
Uniform Residential
Loan Application
Cx4689 A creditor
Both
Credit Not specified At application Ohio Rev. Code Ann.
§ 4112.021(B)(1)(g)
Statutory
Initial Disclosure OH Escrow Account
Disclosure
Cx11197
(upon
request)
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
Property of Docutech, LLC Page 202 Version 18.03
Ohio (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific
Language
Required
Initial Disclosure Good Faith Estimate
01-01-10
Cx14221
(Federal)
A licensee or a
registrant under
Chapter 1322, Title 13
of Ohio’s Revised Code
(aka the Mortgage
Broker Act)
Both
A residential
mortgage loan
A dwelling (as
defined in
Section 103 of
TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
Within 3 business
days after taking
an application
Ohio Rev. Code Ann.
§ 1322.062(D); 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
Chapter 1322, Title 13
of Ohio’s Revised Code
(aka the Mortgage
Broker Act)
Brokers
A residential
mortgage loan
A dwelling (as
defined in
Section 103 of
TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
Not earlier than 3
business days nor
later than 24
hours before
closing
Ohio Rev. Code Ann.
§ 1322.063
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
Chapter 1322, Title 13
of Ohio’s Revised Code
(aka the Mortgage
Broker Act), including
people who are
required to be
registered or licensed
Both
A residential
mortgage loan
A dwelling (as
defined in
Section 103 of
TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
Before referring
the buyer to any
settlement
service provider.
Ohio Code Ann. §
1322.075; Ohio
Admin. Code 1301:8-
7-25
Mortgage Broker Act
Business
Relationships
Disclosure Notice
Property of Docutech, LLC Page 203 Version 18.03
Ohio (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific
Language
Required
Initial Disclosure OH Notice of Change
in Mortgage Terms
Cx12463
(upon
request)
Either: (1) a licensee or
registrant under
Sections 1321.51
through 1321.60 of
Ohio’s Revised Code
(aka the Mortgage
Loan Act); or (2) A
licensee or a registrant
under Chapter 1322,
Title 13 of Ohio’s
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
A dwelling (as
defined in
Section 103 of
TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
Either: (1) under
the same timing
requirements as a
TIL; or (2) Not
later than 24
hours after the
information in
Cx3472 changes,
or 24 hours
before the loan is
closed, whichever
is earlier
Ohio Rev. Code Ann.
§§ 1321.594,
1322.062(B), &
1322.064
Mortgage Broker Act
and Mortgage Broker
Act
Notice of Change
in Mortgage Terms
Initial Disclosure Tangible Net Benefit
Worksheet
Cx12531
(upon
request)
A creditor
Both
A covered loan
which refinances
another covered
loan within 1
year, excluding a
residential
mortgage
transaction
Property used as
the consumer’s
principal
dwelling
Not specified Ohio Code Ann. §
1349.27(G)
No
Initial Disclosure OH Verification of
Pre-purchase
Counseling and
Acknowledgment of
Risk Disclosure
Cx13488 A creditor
Both
A covered loan,
excluding a
residential
mortgage
transaction
Property used as
the consumer’s
principal
dwelling
Before
consummation
Ohio Rev. Code Ann.
§ 1349.27(K)
Pre-purchase
Counseling
Verification
Property of Docutech, LLC Page 204 Version 18.03
Ohio (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific
Language
Required
Initial Disclosure OH Conflict of
Interest Disclosure
Cx13605
(upon
request)
A registrant under the
Second Mortgage Loan
Act (Ohio Rev. Code
Ann. §§ 1321.51
through 1321.60)
Both
A residential
mortgage loan
A dwelling (as
defined in
Section 103 of
TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
Prior to
furnishing or
placing insurance
Ohio Admin. Code
1301:8-3-17(D)
Second Mortgage
Loan Act
No
Initial Disclosure OH Conflict of
Interest Disclosure
Upon
Request
A registrant under the
Small Loan Act
Both
A residential
mortgage loan
for $5,000 or less
A dwelling (as
defined in
Section 103 of
TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
Prior to
Furnishing or
Placing Insurance
Ohio Admin. Code
1301:8-2-16(D)
Small Loan Act
No
Initial Disclosure OH Insurance Notice
to Applicant
Cx13606
(upon
request)
A registrant under the
Second Mortgage Loan
Act (Ohio Rev. Code
Ann. §§ 1321.51
through 1321.60)
Both
A residential
mortgage loan
A dwelling (as
defined in
Section 103 of
TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
At the time the
loan is made
Ohio Admin. Code
1301:8-3-17(B)
Second Mortgage
Loan Act
No
Property of Docutech, LLC Page 205 Version 18.03
Ohio (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific
Language
Required
Initial Disclosure OH Insurance Notice
to Applicant
Upon
Request
A registrant under the
Small Loan Act
Both
A residential
mortgage loan
for $5,000 or less
A dwelling (as
defined in
Section 103 of
TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
At the time the
loan is made
Ohio Admin. Code
1301:8-2-16(B)
Small Loan Act
No
Initial Disclosure Section 32 Mortgage
Loan Disclosure
Cx17901 &
17902
(Federal)
A creditor
Both
A covered loan A consumer’s
principal
dwelling
No less than 3
business days
prior to
consummation
Ohio Rev. Code Ann.
§ 1349.26
12 CFR Pt. 1026,
App. H; Form H-16
Initial Disclosure OH Intent to Build
Attestation
Upon
Request
Not specified A residential
mortgage
Residential real
estate
Not specified Ohio Rev. Code Ann.
§ 1322.01(HH)
No
Initial Disclosure &
TILA Redisclosure
OH Notice of Change
in Mortgage Terms
Cx12463
(upon
request)
A registrant under the
Second Mortgage Loan
Act (Ohio Rev. Code
Ann. §§ 1321.51
through 1321.60)
Both
A residential
mortgage loan
A consumer’s
principal
dwelling
No later than 24
hours before the
change occurs, or
24 hours before
closing
Ohio Rev. Code Ann.
§§ 1321.594,
1322.062(B) &
1322.064
Statutory
Initial Disclosure &
Closing
OH Homebuyers’
Protection Act
Cx11195 A supplier (i.e. a loan
officer, mortgage
broker, or nonbank
mortgage lender)
Both
A residential
mortgage
Real property
containing (or
which shall
contain) 1-to-2
residential units
At application, or
within 5 days if
application is not
submitted in
person.
Ohio Rev. Code Ann.
§ 1345.05(A)(4) & (G);
Ohio Admin. Code
109:4-3-29
Ohio Homebuyers'
Protection Act -
Informational
Document
Property of Docutech, LLC Page 206 Version 18.03
Ohio (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific
Language
Required
Initial Disclosure &
Closing
OH
Acknowledgement of
Receipt of Home
Mortgage Loan
Informational
Document
Cx12447 A supplier (i.e. a loan
officer, mortgage
broker, or nonbank
mortgage lender)
Both
A residential
mortgage
Real property
containing (or
which shall
contain) 1-to-2
residential units
At application, or
within 5 business
days if
application is not
submitted in
person.
Ohio Rev. Code Ann.
§ 1345.05(G); 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
A residential
mortgage loan
A dwelling (as
defined in
Section 103 of
TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
At the time the
indebtedness is
incurred
Ohio Rev. Code Ann.
§ 1322.07(H)
Mortgage Broker Act
No
Closing OH Closing
Disclosure
Cx11267 A supplier (i.e. a loan
officer, mortgage
broker, or nonbank
mortgage lender)
Both
A consumer
transaction
connected with a
residential
mortgage
Real property
containing (or
which shall
contain) 1-to-2
residential units
At closing Ohio Rev. Code Ann.
§ 1345.031(B)(8);
Ohio Admin. Code
109:4-3-23 & 109:4-
3-23 Appendix
Closing Disclosure
Form
Property of Docutech, LLC Page 207 Version 18.03
Ohio (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific
Language
Required
Closing OH Statutory
Authority Disclosure
Cx13536 A registrant under the
Second Mortgage Loan
Act (Ohio Rev. Code
Ann. §§ 1321.51
through 1321.60)
Both
A residential
mortgage loan
A dwelling (as
defined in
Section 103 of
TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
With the loan
documents
Ohio Admin. Code
1301:8-3-07(H)
Second Mortgage
Loan Act
No
Closing OH Statutory
Authority Disclosure
Upon
Request
A registrant under the
Small Loan Act
Both
A residential
mortgage loan
for $5,000 or less
A dwelling (as
defined in
Section 103 of
TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
With the loan
documents
Ohio Admin. Code
1301:8-2-07(G)
Small Loan Act
No
Closing OH ARM Disclosure Cx13537 A registrant under the
Second Mortgage Loan
Act (Ohio Rev. Code
Ann. §§ 1321.51
through 1321.60)
Both
A residential
mortgage loan
A dwelling (as
defined in
Section 103 of
TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
At least 6 months,
but not more
than 7 months, in
advance of the
initial scheduled
interest reset
date
Ohio Admin. Code
1301:8-3-07(G)(3)
Second Mortgage
Loan Act
No
Property of Docutech, LLC Page 208 Version 18.03
Ohio (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific
Language
Required
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
Click here for Table of Contents
Click here for Table of Contents
Oklahoma (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Anti-Coercion
Insurance
Disclosure
Cx2788 Either: (1) any person
who is engaged in the
business of insurance;
or (2) a lender
Both
Either: (1) a loan
of money upon
the security of
real or personal
property; or (2)
a residential
mortgage
Real or personal
property,
including
residential
property
Not specified Okla. Stat. Ann.
tit. 36, §§ 1204(9)
& 3639.3
Oklahoma
Insurance Code
No
Initial Disclosure OK Insurance
Notice to Obligor
Cx3324 A creditor
Both
A Subsection 10
mortgage
A consumer’s
principal dwelling
No later than the
time of closing
Okla. Stat. Ann.
tit. 14A, § 4-113
Uniform
Consumer Credit
Code - Loans
Statutory
Property of Docutech, LLC Page 209 Version 18.03
Oklahoma (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure OK Subsection 10
Mortgage Loan
Disclosure
Cx3325 A creditor
Both
A Subsection 10
mortgage
A consumer’s
principal dwelling
Not less than 3
business days
prior to
consummation.
Okla. Stat. Ann.
tit. 14A, § 3-
309.4(1)
Uniform
Consumer Credit
Code - Loans
Statutory
Initial Disclosure OK Title
Protection Notice
Cx3851 A mortgagee
Both
A financing for
the purchase of
property (i.e. a
purchase money
mortgage)
Real property
which is either
improved
property or
unimproved
property which is
purchased with a
construction loan
At the time of
application
Okla. Stat. Ann.
tit. 46, § 20
No
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 residential
mortgage loan
A dwelling (as
defined in Section
103[w] of TILA) or
residential real
estate upon which
is (or is intended
to be)
constructed such
a dwelling
Upon receipt of a
loan application
and before
receipt of any
money from a
borrower
Okla. Stat. Ann.
tit. 59, §
2095.15(B)
Oklahoma Secure
and Fair
Enforcement for
Mortgage
Licensing Act
12 CFR Pt. 1024,
App.
Property of Docutech, LLC Page 210 Version 18.03
Oklahoma (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Tangible Net
Benefit Worksheet
Cx15773 (upon
request)
A creditor
Both
A “Subsection 10”
mortgage, which
refinances a
consumer loan in
which the value of
the collateral is
substantial in
relation to the
loan amount and
the finance
charge exceeds
13% per year.
A consumer’s
principal dwelling
Not specified Okla. Stat. Ann.
tit. 14A, § 3-411
Uniform
Consumer Credit
Code - Loans
No
Initial Disclosure Cost of Insurance
Disclosure
Cx16488 A lender
Both
A consumer loan,
in which the value
of the collateral is
substantial in
relation to the
loan amount and
the finance
charge exceeds
13% per year.
An interest in land Not specified, but
practically before
assessing charges
for additional
insurances
Okla. Stat. Ann.
tit. 14A, § 3-
202(3)(a) & (3)(b)
Uniform
Consumer Credit
Code - Loans
No
Initial Disclosure,
TILA Redisclosure,
& Closing
All TILA
Disclosures
Cx18, Cx1591,
and other TILA
Disclosures (all
Federal)
A lender
Both
A consumer loan,
in which the value
of the collateral is
substantial in
relation to the
loan amount
An interest in
land, including
the borrower’s
principal dwelling
Various Okla. Stat. Ann.
tit. 14A, §§ 3-301
through 313
Uniform
Consumer Credit
Code - Loans
12 CFR Pt. 1026,
App. G & H
Property of Docutech, LLC Page 211 Version 18.03
Oklahoma (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure &
Closing
Important Terms
of HELOC and
What You Should
Know About
Home Equity Lines
of Credit Brochure
Cx1472
(Federal)
A creditor
Both
A revolving loan
account plan
A consumer’s
principal dwelling,
including second
or vacation
homes
At application Okla. Stat. Ann.
tit. 14A, § 3-309.2
Uniform
Consumer Credit
Code – Loans
12 CFR Pt. 1026,
App. G; Form G-15
What You Should
Know About Home
Equity Lines of
Credit
Initial Disclosure,
Processing,
Underwriting, &
Closing
NMLS Unique
Identifier
Disclosed on 1003
Uniform
Residential Loan
Application
On Cx4193
(FNMA/FHLMC)
A licensed mortgage
broker or mortgage
loan originator under
the Oklahoma Secure
and Fair Enforcement
for Mortgage Licensing
Act
Both
A residential
mortgage loan
A dwelling (as
defined in Section
103[w] of TILA) or
residential real
estate upon which
is (or is intended
to be)
constructed such
a dwelling
On the
application
Okla. Stat. Ann.
tit. 59, § 2095.4
Oklahoma Secure
and Fair
Enforcement for
Mortgage
Licensing Act
FNMA 1003 Form -
Uniform Residential
Loan Application
Closing HELOC Agreement
– OK and HELOC
Plan – Billing
Rights
Cx1326 &
Cx1478
(Federal)
A creditor
Both
A revolving loan
account plan
Not specified, but
can include a
consumer’s
principal dwelling
Before opening
the account
Okla. Stat. Ann.
tit. 14A, § 3-309
Uniform
Consumer Credit
Code - Loans
12 CFR Pt. 1026,
App. G; Form G-3
Click here for Table of Contents
Click here for Table of Contents
Property of Docutech, LLC Page 212 Version 18.03
Oregon (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Servicing
Disclosure
Statement
Cx20 (Federal) A person in connection
with a mortgage loan
Both
A mortgage loan Real estate Not specified Or. Admin. R.
441-870-0070(1)
Oregon Mortgage
Lender Law
12 CFR Pt. 1024,
App. MS-1
Initial Disclosure OR Escrow
Account
Statement
Cx2761 A mortgage servicing
company
Both
A real estate loan Residential
property,
including
multifamily
property,
occupied by
borrower
Prior to entering
into a real estate
loan agreement
Or. Rev. Stat. Ann.
§ 86.270
No
Initial Disclosure OR Escrow
Account Option
Notice
Cx2775 A lender
Both
A real estate loan Residential
property,
including
multifamily
property,
occupied by
borrower
Before arranging
for prepayments
of taxes,
insurance, and
similar charges.
Or. Rev. Stat. Ann.
§ 86.255
No
Initial Disclosure Anti-Coercion
Insurance
Disclosure
Cx2778 A depository institution
Both
A loan of money
or extension of
credit
Property Not specified Or. Rev. Stat. Ann.
§ 746.215
No
Initial Disclosure Advanced
Fee/Application
Disclosure
Cx2783 A mortgage banker or
mortgage broker
Both
Not specified Not specified Prior to or at the
time of receipt of
advance fees.
Or. Admin. R.
441-875-0030(8)
No
Initial Disclosure OR Float or Lock
Agreement
Cx4297 A mortgage banker,
mortgage broker, or
mortgage loan
originator
Both
Residential or
single family
loans
Not specified Not specified Or. Admin. R.
441-850-
0005(21), 441-
865-0060(1)(c), &
441-870-0030(2)
Interest Rate
Lock/Float
Agreement 440-
4828
Property of Docutech, LLC Page 213 Version 18.03
Oregon (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure OR Late Charge
Notice
Cx4679 A lender, except for a
mortgage banking or
mortgage servicing
company
Both
A loan secured by
residential real
property
Residential real
property
Prior to execution
of the mortgage
Or. Rev. Stat. Ann.
§§ 86.165 &
86.180
No
Initial Disclosure Addendum to
Loan Application
Cx13441 Not specified
Both
Not specified Not specified Not specified, but
practically with
the application
Or. Rev. Stat. Ann.
§ 106.340
Oregon Family
Fairness Act
No
Initial Disclosure OR Conflict of
Interest Disclosure
Cx13604 (upon
request)
A person, mortgage
banker or mortgage
broker, or mortgage
loan originator
Both
A mortgage loan Not specified Before
negotiating loan
terms.
Or. Admin. R.
441-870-0030(4)
No
Initial Disclosure OR Spanish Good
Faith Estimate,
Spanish General
Disclosure, &
Spanish Truth-in-
Lending
Disclosure
Cx15656,
Cx15657, &
Cx15658 (all
Spanish)
A mortgage banker,
mortgage broker, or
mortgage loan
originator
Both
A residential
mortgage
transaction
Property upon
which is a 1-to-4
residential
dwelling units
When soliciting or
negotiating
business with a
borrower in
Spanish
Or. Rev. Stat. Ann.
§ 86A.198
Oregon Mortgage
Lender Law
Model Forms
Initial Disclosure,
Processing,
Underwriting, &
Closing
NMLS Unique
Identifier
Disclosed on 1003
Uniform
Residential Loan
Application
On Cx4193
(FNMA/FHLMC)
A licensed mortgage
loan originator under
Chapter 86A, Title 9 of
Oregon’s Revised
Statutes
Both
A residential
mortgage loan
Property upon
which is a 1-to-4
residential
dwelling units
On the
application
Or. Rev. Stat. Ann.
§ 86A.239
FNMA 1003 Form -
Uniform Residential
Loan Application
Property of Docutech, LLC Page 214 Version 18.03
Oregon (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure,
TILA Redisclosure,
& Closing
Itemization of
Amount Financed
01-01-10
Cx14644
(Federal)
A 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
12 CFR Pt. 1026,
App. H; Form H-3
Closing Prepayment Note
Addendum
Cx31 Any person making a
loan, including a lender
Both
Loans, including
mortgage loans
and loans of more
than 3 years
secured by a
mortgage
Real property With the loan
agreement
Or. Rev. Stat. Ann.
§§ 82.160, 82.170,
& 86.150; Or.
Admin. R. 441-
870-0040
Partial Statutory
Partial
Administrative
Closing All Oregon Deeds
of Trust
Cx346
(FNMA/FHLMC),
399 (FHA), 504,
& 1370
Not specified
Both
Not specified Real estate An instrument is
presented to a
county clerk for
recording
Or. Rev. Stat. Ann.
§ 205.234
No
FNMA Form 3038 -
Oregon
Closing OR Collateral
Protection
Insurance
Disclosure
Cx1007 The secured party
Both
A loan Real property With the contract
or loan
agreement
Or. Rev. Stat. Ann.
§ 746.201
Statutory
Closing HUD-1 01-01-10 Cx14222
(Federal)
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
Property of Docutech, LLC Page 215 Version 18.03
Oregon (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Closing OR Statute of
Frauds Disclosure
Cx14718 A financial institution, a
consumer finance
company, a mortgage
banker
Both
A loan or
extension of
credit for a non-
consumer
purpose
Not specified, but
generally does
not apply to
residential real
property
consisting of 1-
to-4 dwelling
units, one of
which is the
borrower’s
residence
Not later that the
time the loan is
initially made.
Or. Rev. Stat. Ann.
§ 41.580(3)
Statutory
Click here for Table of Contents
Click here for Table of Contents
Property of Docutech, LLC Page 216 Version 18.03
Pennsylvania (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Anti-Coercion
Insurance
Disclosure
Cx2778 Any person, especially
a licensed insurance
producer under the
Insurance Department
who is an employee of
a financial institution
Both
A loan Real or personal
property
Before or at
application
18 Pa. Cons. Stat.
Ann. § 7309; 40
Pa. Stat. Ann. §
310.76(a) & (b)
The Insurance
Department Act
of 1921
No
Initial Disclosure PA High Cost
Loan Disclosure
Cx3590 A lender or a mortgage
broker
Both
A covered loan,
which is a non-
purchase
consumer credit
mortgage loan of
less than
$100,000
A consumer’s
principal dwelling
At least 3
business days
prior to
consummation.
63 Pa. Stat. Ann. §
456.512(a)
Statutory
Initial Disclosure PA Application
Disclosure
Cx3738 A licensee under the
Mortgage Licensing
Act
Both
A mortgage loan A dwelling (as
defined in Section
103[w] of TILA) or
residential real
estate
At the time of
application
7 Pa. Cons. Stat.
Ann. § 6121(10)
Mortgage
Licensing Act
No
Initial Disclosure PA Consumer
Mortgage
Disclosure Form
Cx14079 (upon
request)
A licensee under the
Mortgage Licensing
Act (7 Pa. Cons. Stat.
Ann. §§ 6101 through
6153) or the Consumer
Discount Company Act
(7 Pa. Stat. Ann. §§
6201 through 6219)
Both
A loan (a
mortgage loan or
a loan involving a
mortgage)
A dwelling (as
defined in Section
103[w] of TILA) or
residential real
estate
Within 3 business
days after
application is
received or
prepared.
10 Pa. Code §
46.2(b) & (c)
Mortgage
Licensing Act and
Consumer
Discount
Company Act
Consumer
Mortgage
Disclosure Form -
click on the Forms
& Applications tab
on the bottom of
the screen
Property of Docutech, LLC Page 217 Version 18.03
Pennsylvania (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure PA Lock-In
Agreement
Cx15748 (upon
request)
A licensee under the
Mortgage Licensing
Act
Lenders
A mortgage loan A dwelling (as
defined in Section
103[w] of TILA) or
residential real
estate
Not specified 7 Pa. Cons. Stat.
Ann. §§ 6102,
6121(11) &
6123(7)
Mortgage
Licensing Act
No
Initial Disclosure Cost of Insurance
Disclosure
Cx16488 A mortgage lender
Lenders
A mortgage loan A dwelling (as
defined in Section
103[w] of TILA) or
residential real
estate
When the
consumer elects
to obtain certain
insurances
7 Pa. Cons. Stat.
Ann. § 6122(a)(3)
Mortgage
Licensing Act
No
Initial Disclosure CSO Information
Statement
UR A credit services
organization (CSO)
Brokers
An extension of
credit for
consumer
purposes
Not specified Prior to the
execution of a
contract or
agreement
between the
buyer and the
CSO or prior to
the CSO receiving
any consideration,
whichever occurs
first
73 Pa. Stat. Ann.
§§ 2184 & 2185
Credit Services
Act
No
Initial Disclosure CSO Contract UR A credit services
organization (CSO)
Brokers
An extension of
credit for
consumer
purposes
Not specified Not specified 73 Pa. Stat. Ann. §
2186
Credit Services
Act
Statutory
Initial Disclosure PA Commitment
Agreement
Cx19064 (upon
request)
A mortgage lender
Lenders
A residential
mortgage loan
Not specified When the
residential
mortgage is
entered into
41 Pa. Stat. Ann §
303§ 30
10 Pa. Code
§§7.5& 46.2(k)(3)
No
Property of Docutech, LLC Page 218 Version 18.03
Pennsylvania (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure &
Closing
All RESPA and
TILA Disclosures
Cx18, Cx1591,
Cx14221,
Cx14222, and
many others
(all Federal)
An institution (i.e. a
bank or a bank and
trust company)
Both
A loan or
extension of
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
Initial Disclosure &
Closing
PA Optional
Insurance Notice
Cx1027 A lender
Both
A covered loan,
which is a non-
purchase
consumer credit
mortgage loan of
less than
$100,000
A consumer’s
principal dwelling
Not later than the
time of closing.
63 Pa. Stat. Ann. §
456.512(f)(2)
Statutory
Initial Disclosure &
TILA Redisclosure
Property
Insurance
Consent on Truth-
in-Lending
Disclosure
On Cx1591
(Federal)
Mortgage lenders
Both
A mortgage loan A dwelling (as
defined in Section
103[w] of TILA) or
residential real
estate
Not specified 7 Pa. Cons. Stat.
Ann. § 6122(a)(4)
Mortgage
Licensing Act
12 CFR Pt. 1026,
App. H
Initial Disclosure,
Processing,
Underwriting, &
Closing
NMLS Unique
Identifier
Disclosed on 1003
Uniform
Residential Loan
Application
On Cx4193
(FNMA/FHLMC)
A mortgage originator
Both
A mortgage loan A dwelling (as
defined in Section
103[w] of TILA) or
residential real
estate
On the
application
7 Pa. Cons. Stat.
Ann. § 6121(14)
Mortgage
Licensing Act
FNMA 1003 Form -
Uniform Residential
Loan Application
Closing HELOC
Agreement – PA
Cx1349 An institution (i.e. a
bank or a bank and
trust company)
Both
A loan or
extension of
credit
Not specified Not specified, but
practically before
making the loan
or extending
credit
7 Pa. Stat. Ann. §
303(d)
Banking Code of
1965
No
Property of Docutech, LLC Page 219 Version 18.03
Pennsylvania (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Closing UDAP Disclosure UR A seller
Both
Goods or services,
which involve a
note or other
evidence of
indebtedness
Not specified At the time of the
sale or contract
73 Pa. Stat. Ann. §
201-7(b) Unfair
Trade Practices
and Consumer
Protection Law
Statutory
Click here for Table of Contents
Property of Docutech, LLC Page 220 Version 18.03
Click here for Table of Contents
Puerto Rico (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lenders/Brokers/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure PR Anti-Coercion
Insurance
Disclosure
Cx18546 A person
Both
A loan Not specified Not specified P.R. Laws Ann. tit.
26, § 2713
Insurance Code of
Puerto Rico
No
Initial Disclosure PR Conflict of
Interest Disclosure
Cx18547 A grantee, member of
the Board of Directors,
of the Committee,
executive officer,
official, employee or
agent of the grantee,
who is acting on behalf
of more than one party
to the transaction
Both
A mortgage loan
or loans
Real property Before acting on
behalf of more
than one parties
to the transaction
P.R. Laws Ann. tit.
7, § 1057a(4)
Mortgage
Institutions Act
No
Initial Disclosure,
TILA Redisclosure,
& Closing
RESPA and TILA
Disclosures
Cx18, 14221,
and others (all
Federal)
Any person granting
loans under the
regulation
Both
Not specified, but
practically
mortgage loans
Real property Various times P.R. Regs. CIF Reg.
5722(10)(B) & (11)
12 CFR Pt. 1024,
App.
12 CFR Pt. 1026,
App. G & H
Initial Disclosure,
TILA Redisclosure,
& Closing
Itemization of
Amount Financed
01-01-10 or PR
HELOC Breakdown
of Costs
Disclosure
Cx14644
(Federal) or
Cx18548
A grantee, member of
the Board of Director,
of the Committee,
executive officer,
official, employee or
agent of the grantee.
Both
A mortgage loan
or loans
Real property Before granting
the loan or loans
P.R. Laws Ann. tit.
7, § 1057a(14)
Mortgage
Institutions Act
12 CFR Pt. 1026,
App. H, Form H-3
Property of Docutech, LLC Page 221 Version 18.03
Click here for Table of Contents
Rhode
Island (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure RI Notice of
Nonrefundability
of Loan Fees
Cx3575 A loan originator,
broker, or lender
Both
A secured
mortgage loan
Real estate with
dwelling houses
of not more than
4
Not later than 3
business days
after the
application
R.I. Gen. Laws §
34-23-6
Statutory
Initial Disclosure Anti-Coercion
Insurance
Cx3750 Any person who lends
money or extends
credit, including
lending institutions and
bank holding
companies
Both
Either: (a) a
mortgage; or (b)
a loan or
extension of
credit
Real or personal
property
Not specified R.I. Gen. Laws §
27-5-3.2 & 27-
29-4(9)(iv) & (10)
No
Initial Disclosure RI Right to Choose
Title
Agent/Attorney
Cx3847 A lending institution
Both
A mortgage loan,
residential
mortgage loan, or
commercial
mortgage loan
Real estate Not specified R.I. Gen. Laws §§
19-9-5 & 19-9-6
No
Initial Disclosure RI Addendum to
Uniform
Residential Loan
Application
Cx5103 A financial institution
Both
A loan secured by
an interest in real
estate
Real estate At application R.I. Gen. Laws §
19-9-32
No
Property of Docutech, LLC Page 222 Version 18.03
Rhode
Island (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure RI Prohibited Acts
of Lenders and
Loan Brokers
Cx11241 Lenders and loan
brokers
Both
A home loan Real estate with a
1-to-4 family
dwelling used as
the borrower’s
principal
residence
No later than 3
business days of
application.
R.I. Gen. Laws §§
34-25.2-1
through 34-25.2-
15; R.I. Code R.
11-2-3 App. 5,
Form 1
Rhode Island
Home Loan
Protection Act
Administrative
Form 1 – Prohibited
Acts and Practices
Disclosure
Regarding All Home
Loans
Initial Disclosure RI Tangible Net
Benefit
Cx11242 A creditor
Both
A home loan
which refinances
a previous (home)
loan which was
consummated
within the prior
60 months
Real estate with a
1-to-4 family
dwelling used as
the borrower’s
principal
residence
Prior to or upon
consummation of
the loan
R.I. Gen. Laws §§
34-25.2-1
through 34-25.2-
15; R.I. Code R.
11-2-3:5(A)(v) &
App. 5, Form 3
Rhode Island
Home Loan
Protection Act
Administrative
Form 3 – Tangible
Net Benefit
Disclosure
Initial Disclosure RI High Cost
Related Prohibited
Acts of Lenders
and Loan Brokers
Cx11408 A creditor
Both
A home loan Real estate with a
1-to-4 family
dwelling used as
the borrower’s
principal
residence
No later than 3
business days of
application.
R.I. Gen. Laws §§
34-25.2-1
through 34-25.2-
15; R.I. Code R.
11-2-3:5(A)(iv) &
App. 5, Form 2
Rhode Island
Home Loan
Protection Act
Administrative
Form 2 – Prohibited
Acts and Practices
Disclosure
Regarding High-
Cost Home Loans
Property of Docutech, LLC Page 223 Version 18.03
Rhode
Island (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure RI Home Loan
Protection Act
Disclosure
Cx12089 A creditor
Both
A high-cost home
loan
Real estate with a
1-to-4 family
dwelling used as
the borrower’s
principal
residence
Upon
determination
that a high-cost
home loan is
being obtained.
R.I. Gen. Laws
Ann. §§ 34-25.2-1
through 34-25.2-
15; R.I. Code R.
11-2-3:5(D)(iii) &
App. 5, Form 5
Rhode Island
Home Loan
Protection Act
Administrative
Form 5 – Consumer
Caution and Home
Ownership
Counseling Notice
and Certification
Initial Disclosure RI Form 4 HLPA Cx12090 A creditor
Both
A high-cost home
loan
Real estate with a
1-to-4 family
dwelling used as
the borrower’s
principal
residence
Upon
determination
that a high-cost
home loan is
being obtained
R.I. Gen. Laws
Ann. §§ 34-25.2-1
through 34-25.2-
15; R.I. Code R.
11-2-3:5(D)(iii) &
App. 5, Form 4
Rhode Island
Home Loan
Protection Act
Administrative
Form 4 – Rhode
Island High-Cost
Home Loan
Protection Act
Disclosure
Initial Disclosure Addendum to Loan
Application
Cx13441 Not specified
Both
Not specified Not specified Not specified, but
practically with
the application
R.I. Gen. Laws
Ann. § 15-3.1-6;
R.I. Gov. Exec.
Order 12-02
No
Property of Docutech, LLC Page 224 Version 18.03
Rhode
Island (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure RI Financial
Institution
Insurance Sales
Privacy Notices
Cx17887, 17888,
& 17889 (all
upon request)
Licensees under the
Banking and Insurance
Consumer Protection
Act (R.I. Gen. Laws Ann.
§§ 27-58-1 through 27-
58-13)
Both
Not specified, but
one in which an
insurance product
offered by the
licensee is sought
Not specified Before disclosing
any nonpublic,
personal financial
information to a
nonaffiliated third
party
R.I. Admin. Code
§ 11-5-99:5, 7, &
8
Banking and
Insurance
Consumer
Protection Act
R.I. Admin. Code §
11-5-99:A
Initial Disclosure RI Commitment
Agreement
Cx19062 (upon
request)
A person who lends
money or extends
credit, and who solicits
insurance
Lenders
A first mortgage
credit extension
Real property Before soliciting
insurance for the
protection of real
property
R.I. Gen. Laws
Ann. § 27-29-
4(9)(iii)(A)
No
Initial Disclosure RI Unemployment
Insurance
Disclosure
UR Either: (1) not specified;
or (2) a lender or loan
broker
Both
Either: (1) an
extension of
credit; or (2) a
loan
Not specified Not specified R.I. Gen. Laws
Ann. §§ 6-26-
2(c)(1)(iii) & 19-
14.1-3
No
Initial Disclosure RI Privacy Notice UR A licensee under the
Financial Institution
Insurance Sales Act (R.I.
Gen. Laws Ann. §§ 27-
58-1 through 27-58-
13)
Both
Not specified Not specified Before the
licensee discloses
any nonpublic
personal financial
information
about the
consumer to any
nonaffiliated third
party
R.I. Code R. 11-5-
99
Financial
Institution
Insurance Sales
Act
Administrative
Property of Docutech, LLC Page 225 Version 18.03
Rhode
Island (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure RI Depository
Institution
Insurance
Disclosure
UR A person, particularly a
financial institution
Both
Either: (1) a
banking product
or service, or a
loan of money or
extension of
credit; (2) any
loan for which
insurance is
required; or (3) a
banking product
or service
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
Cx20859 (upon
request)
A lender or loan broker
Both
A mortgage loan Not specified Not specified R.I. Gen Laws §§
6-26-2(c)(1)(iii) &
19-14.1-3
No
Adverse Action Statement of
Credit Denial,
Termination, or
Change
Cx15858
(Federal)
A user of a credit
report
Both
Credit for
personal, family,
or household
purposes
Not specified Not specified R.I. Gen. Laws
Ann. § 6-13.1-
21(b)
Unfair Trade
Practice and
Consumer
Protection Act
12 CFR Pt. 1002,
App. C; Form C-1
Property of Docutech, LLC Page 226 Version 18.03
Rhode
Island (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure,
Processing,
Underwriting, &
Closing
NMLS Unique
Identifier Disclosed
on 1003 Uniform
Residential Loan
Application
On Cx4193
(FNMA/FHLMC)
A person originating a
residential mortgage
loan
Both
A residential
mortgage loan
A dwelling (as
defined in Section
103[w] of TILA)
or residential real
estate upon
which is (or Is
intended to be) a
dwelling
On the
application
R.I. Gen. Laws §
19-14.10-21
Secure and Fair
Enforcement
Mortgage
Licensing Act of
2009
FNMA 1003 Form -
Uniform Residential
Loan Application
Initial Disclosure &
Adverse Action
RI Appraisal Fee
Disclosure and
Addendum to
Statement of
Credit Denial,
Termination, or
Change
Cx5102 &
Cx15905
A lending institution
Both
A mortgage loan Real estate Prior to receiving
an appraisal fee.
R.I. Gen. Laws §
19-9-3
No
Closing All RI Promissory
Notes and Security
Instruments
Cx5
(FNMA/FHLMC),
Cx348 (FHA),
Cx401, Cx506,
Cx3064, and
others
A lender or loan broker
Both
A loan Not specified On the note or
security
instrument
(closings)
R.I. Gen. Laws
Ann. § 19-14.1-1
FNMA Notes
FNMA Form 3040
FHA Model
Mortgage
Property of Docutech, LLC Page 227 Version 18.03
Rhode
Island (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Penalty Disclosure,
Rider, and
Addendum
Cx12387, &
Cx12388
A bank, trust company,
loan company,
building-loan
association, credit
union, finance
company and other
person(s)
Both
A loan secured by
a mortgage
Real estate
containing
dwelling houses
of not more than
4 dwelling units
In the mortgage
note
R.I. Gen. Laws §
34-23-5
No
Closing Homestead Waiver
on all RI
Mortgages and RI
Waiver of
Homestead
On Cx348
(FNMA/FHLMC),
Cx401 (FHA),
Cx506, &
Cx3064
Not specified
Both
Not specified, but
practically a
purchase loan
A homestead to
the extent of
$500,000
Not specified R.I. Gen. Laws
Ann. § 9-26-4.1;
R.I. Code R. 11-2-
3:5(F)
FNMA Form 3040
FHA Single Family
Handbook 4155.2
12.A.1
Closing RI Notification to
Buyers of
Withholding Tax
Requirement
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
Property of Docutech, LLC Page 228 Version 18.03
Rhode
Island (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Closing RI Nonresident Tax
Forms
Cx16920 (upon
request)
The buyer
Both
Not specified, but
practically a
purchase loan
Real property
being sold by a
nonresident
Within 3 banking
days after
recording of the
instrument of
transfer or within
30 days after
closing,
whichever is
earlier
R.I. Gen. Laws
Ann. § 44-30-71.3;
R.I. Code R. 60-1-
140:(VI)(3),
(VIII)(4), & (VIII)(5)
RI 71.3
Closing RI Open-End
Consumer Credit
Plan Disclosure
Cx19063 (upon
request)
Not specified An open-end
consumer credit
plan
A consumer’s
principal dwelling
On or before the
closing date
R.I. Gen. Laws
Ann. § 6-27-11
The Rhode Island
Truth in Lending
and Retail Selling
Act
No
Click here for Table of Contents
Click here for Table of Contents
Property of Docutech, LLC Page 229 Version 18.03
South
Carolina (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Initial Disclosure Anti-Coercion
Insurance
Disclosure
Cx2778 A lender, vender, or
person
Both
A financing of
the purchase of
real property, a
lending of
money on the
security of the
real property, or
a renewal and
extension of a
loan or
mortgage
Real property Not specified S.C. Code Ann. §
38-57-110
The Insurance
Law
No
Initial Disclosure SC Tangible
Benefit
Worksheet
Cx2889 (upon
request)
Not specified
Both
A consumer
home loan that
refinances within
42 months an
existing
consumer home
loan
Real estate with
a 1-to-4 family
structure that is
the borrower’s
principal
dwelling
Not specified S.C. Code §§ 37-
23-20(8) & 37-
23-70(A)
South Carolina
High-Cost and
Consumer Home
Loan Act
No
Property of Docutech, LLC Page 230 Version 18.03
South
Carolina (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Initial Disclosure SC Mortgage
Broker Fee
Agreement for
Financial Services
Cx3525 A broker, mortgage
broker, or loan
originator
Brokers
Either: (1) a
high-cost home
loan; (2) a
consumer home
loan; or (2) a
mortgage loan
Either: (1) an
owner-occupied,
residential real
estate
containing a 1-
to-4 family,
owner-occupied
structure; or (2)
residential real
property,
consisting of
one or more
single-family,
owner occupied
dwellings
Within 3 business
days of receipt of an
application
S.C. Code Ann. §
37-23-45, 37-23-
75, 40-58-75, &
40-58-78(A);
South Carolina
High-Cost and
Consumer Home
Loans Act and
Licensing of
Mortgage
Brokers Act
Fee Agreement
Sample
Initial Disclosure SC Attorney and
Insurance
Preference
Disclosure
Cx3848 A creditor
Both
A loan secured
by a lien on real
estate for a
personal, family,
or household
purpose,
excluding a
consumer loan
Real estate No later than 3
business days after
application
S.C. Code Ann. §
37-10-102(a)
South Carolina
Consumer
Protection Code
Attorney/Insurance
Preference
Property of Docutech, LLC Page 231 Version 18.03
South
Carolina (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Initial Disclosure SC Borrower
Complaints
Cx4694 A mortgage broker or
originator
Both
A mortgage
loan, including a
consumer home
loan
Real estate with
a 1-to-4 family
structure that is
the borrower’s
principal
dwelling
At the time of
application
S.C. Code Ann. §
37-23-70(D)
South Carolina
High-Cost and
Consumer Home
Loans Act
Fee Agreement
Sample
Initial Disclosure,
Processing,
Underwriting, &
Closing
NMLS Unique
Identifier
Disclosed on
1003 Uniform
Residential Loan
Application; All
S.C. documents
On Cx4193
(FNMA/FHLMC)
and all other S.C.
documents
A licensee under
Chapter 22, Title 37 of
South Carolina’s Code
Both
A mortgage loan Residential real
property,
consisting of
one or more
single-family,
owner occupied
dwellings
Various S.C. Code Ann.
§§ 37-22-210(F),
37-22-270(D)
& 40-58-130(D);
S.C. Code Ann.
Reg. 15-64
South Carolina
Consumer
Protection Code
FNMA 1003 Form -
Uniform Residential
Loan Application
Initial Disclosure,
Processing,
Underwriting, &
Closing
NMLS Unique
Identifier
Disclosed on
1003 Uniform
Residential Loan
Application; All
S.C. documents
Cx21511 (upon
request)
A licensee under
Chapter 22, Title 37 of
South Carolina’s Code
Both
A mortgage loan Residential real
property,
consisting of
one or more
single-family,
owner occupied
dwellings
Various S.C. Code Ann.
§§ 37-22-210(F)
& 37-22-270(F);
S.C. Code Ann.
Reg. 15-64
South Carolina
Consumer
Protection Code
FNMA 1003 Form -
Uniform Residential
Loan Application
Property of Docutech, LLC Page 232 Version 18.03
South
Carolina (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing Requirement Legal Reference Specific Language
Required
Closing SC Notice to
Cosigners
Cx1017 Not specified
Both
A consumer
loan, which
generally is a
junior lien loan
An interest in
land
Before or
contemporaneously
with signing any
agreement of
obligation.
S.C. Code § 37-
3-303
South Carolina
Consumer
Protection Code
- Loans
Statutory
Closing Notice of
Servicing
Transfer
Cx17905
(Federal)
A lender
Both
A consumer
loan, which
generally is a
junior lien loan
An interest in
land
Not specified S.C. Code Ann. §
37-3-406
South Carolina
Consumer
Protection Code
- Loans
12 CFR Pt. 1024,
App. MS-2
Click here for Table of Contents
South
Dakota (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Anti-Coercion
Insurance
Disclosure
Cx2778 Any person
Both
A loan of money
upon the security
of any property or
the renewal or
extension of any
loan or mortgage
Real property Not specified S.D. Codified Laws
§ 58-33-31
The Insurance
Code
No
Click here for Table of Contents
Property of Docutech, LLC Page 233 Version 18.03
Click here for Table of Contents
Property of Docutech, LLC Page 234 Version 18.03
Tennessee (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Advanced
Fee/Application
Disclosure
Cx2783 A licensee under the
Tennessee Residential
Lending, Brokerage
and Servicing Act
Both
A residential
mortgage loan
A dwelling (as
defined in Section
103[w] of TILA) or
residential real
estate upon
which is (or
intended to be)
constructed such
a dwelling
Not specified, but
practically at
application
Tenn. Code Ann. §
45-13-206(c)
Tennessee
Residential
Lending,
Brokerage and
Servicing Act
No
Initial Disclosure Anti-Coercion
Insurance
Disclosure
Cx2788 Either: (1) a person or a
depository institution
(including affiliates of
such); (2) a lender; or
(3) a creditor
Both
Either: (1) a loan
of money or
extension of
credit; (2) a loan;
or (3) a credit
transaction
Real estate Not specified Tenn. Code Ann. §
56-8-106(a)
through (d); Tenn.
Comp. R. & Regs.
0780-01-07.02 &
0780-01-07-.13(a)
Tennessee Unfair
Trade Practices
and Unfair Claims
Settlement Act of
2009
No
Initial Disclosure TN Title Insurance
Disclosure
Cx4167 A person conducting or
handling the
settlement
Both
A transaction
involving the
purchase or sale
of a fee simple
possessory
interest
Real property At or before the
closing of
settlement and
disbursement of
any funds
Tenn. Code Ann. §
56-35-133
Title Insurance
Law
Statutory
Property of Docutech, LLC Page 235 Version 18.03
Tennessee (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure TN High Cost
Notice to
Borrower
Cx13071 A lender, including a
mortgage loan broker
Both
A high-cost home
loan
Real estate upon
which is (or will
be) located a 1-
to-4, owner-
occupied
structure
At least 3
business days
prior to
consummation
Tenn. Code Ann. §
45-20-103(16)
Tennessee Home
Loan Protection
Act
Statutory
Initial Disclosure TN High Cost
Home Loan
Counseling Notice
Cx13072 A lender, including a
mortgage loan broker
Both
A high-cost home
loan
Real estate upon
which is (or will
be) located a 1-
to-4, owner-
occupied
structure
No later than 3
business days
after a lender
receives an
application
Tenn. Code Ann. §
45-20-103(21)
Tennessee Home
Loan Protection
Act
No
Initial Disclosure TN Lock-In
Agreement
Cx14675 A licensed mortgage
lender under the
Tennessee Residential
Lending, Brokerage
and Servicing Act
(Tenn. Code Ann. §§
45-13-101 through 45-
13-506)
Both
A residential
mortgage loan
A dwelling (as
defined in Section
103[w] of TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
Not specified Tenn. Comp. R. &
Regs. 0180-17-
.01, 0180-17-.04,
0180-17-.05
Tennessee
Residential
Lending,
Brokerage, and
Servicing Act
No
Initial Disclosure High Cost
Tangible Net
Benefit Worksheet
Cx15773 (upon
request)
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
Real estate upon
which is (or will
be) located a 1-
to-4, owner-
occupied
structure
Not specified Tenn. Code Ann. §
45-20-103(4)
Tennessee Home
Loan Protection
Act
No
Property of Docutech, LLC Page 236 Version 18.03
Tennessee (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure TN Commitment
Letter
Cx15810 A lender or creditor,
including a licensed
mortgage lender under
the Tennessee
Residential Lending,
Brokerage and
Servicing Act
Both
A loan of money
or extension of
credit, including a
residential
mortgage loan
Either: (1) not
specified; or (2) a
dwelling (as
defined in Section
103[w] of TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed such
a dwelling
Not specified Tenn. Code Ann.
§§ 29-2-101(b) &
47-14-113(b);
Tenn. Comp. R. &
Regs. 0180-17-.01
& 0180-17-.06
Tennessee
Residential
Lending,
Brokerage and
Servicing Act
No
Initial Disclosure TN Consent to
Disclose Insurance
Information
Notice
Cx18480 (upon
request)
A lender, mortgagee,
assignee, or creditor
Both
A loan Real estate Before disclosing
to other persons
or parties
information with
respect to the
insurance policy
Tenn. Code Ann. §
47-23-101(a)
No
Initial Disclosure &
Closing
Certification and
Authorization
Cx13 A financial institution
Both
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
Property of Docutech, LLC Page 237 Version 18.03
Tennessee (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure,
Processing,
Underwriting, &
Closing
NMLS Unique
Identifier
Disclosed on 1003
Uniform
Residential Loan
Application
On Cx4193
(FNMA/FHLMC)
A licensed mortgage
lender or mortgage
broker under the
Tennessee Residential
Lending, Brokerage,
and Servicing Act
Both
A residential
mortgage loan
A dwelling (as
defined in Section
103[w] of TILA) or
residential real
estate upon
which is (or
intended to be)
constructed a
dwelling
On the
application
Tenn. Code Ann. §
45-13-303(d)
Tennessee
Residential
Lending,
Brokerage and
Servicing Act
FNMA 1003 Form -
Uniform Residential
Loan Application
Closing High-Cost Home
Loan Legend on
Conventional
Tennessee
Promissory Notes
and Security
Instruments
Cx5
(FNMA/FHLMC),
Cx351
(FNMA/FHLMC),
& Cx508
Not specified, but
practically a lender
Both
A high-cost home
loan
Real estate upon
which is (or will
be) located a 1-
to-4, owner-
occupied
structure
Not specified, but
practically at
closing
Tenn. Code Ann. §
45-20-103(19)
Tennessee Home
Loan Protection
Act
Statutory
FNMA Form 3200 –
Multistate Fixed-
Rate Note
FNMA Form 3043 -
Tennessee
Closing Various
Disclosures on All
Tennessee
Security
Instruments
Cx351
(FNMA/FHLMC),
Cx404 (FHA),
Cx509, &
Cx1389
Not specified, but
practically lenders
Both
Either: (1) real
estate; (2) not
specified; or (3)
real property
Either: (1) A deed
of trust or
mortgage; (2) not
specified; or (3)
indebtedness
Not specified, but
practically at
closing
Tenn. Code Ann.
§§ 66-8-101, 66-
8-103, 66-24-110,
66-24-115(a), &
67-4-409(b)
Partial Statutory
FNMA Form 3043 -
Tennessee
FHA Single Family
Handbook 4155.2,
ch. 12.A.2
Closing HELOC Deed of
Trust – TN and
HELOC
Agreement – TN
Cx1389 &
Cx1392
A creditor
Both
An open-end
mortgage
Real property Not specified, but
practically at
closing
Tenn. Code Ann. §
47-28-104
No
Property of Docutech, LLC Page 238 Version 18.03
Tennessee (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Closing HUD-1 01-01-10 Cx14222
(Federal)
A licensee under the
Tennessee Residential
Lending, Brokerage,
and Servicing Act
Both
A residential
mortgage loan
A dwelling (as
defined in Section
103[w] of TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed such
a dwelling
Not specified, but
practically at
closing
Tenn. Comp. R. &
Regs. 0180-17-.02
Tennessee
Residential
Lending,
Brokerage and
Servicing Act
12 CFR Pt. 1024,
App. A
Closing HUD-1 01-01-10,
Tennessee
Promissory Note,
and Tennessee
Security
Instrument
Cx14222
(Federal) and
others
A party to the loan
Both
A loan not
otherwise subject
to Tenn. Code
Ann. § 47-14-
113(a)
Not specified Not specified, but
practically at
closing
Tenn. Code Ann. §
47-14-113(d)
12 CFR Pt. 1024,
App. A
Closing Notice of
Servicing Transfer
Cx17905
(Federal)
A transferor of
servicing rights
Both
A residential
mortgage loan
A dwelling (as
defined in Section
103[w] of TILA) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
At least 10
calendar days
before the first
payment affected
by the notice is
due
Tenn. Comp. R. &
Regs. 0180-17-.03
Tennessee
Residential
Lending,
Brokerage, and
Servicing Act
12 CFR Pt. 1024,
App. MS-2
Click here for Table of Contents
Property of Docutech, LLC Page 239 Version 18.03
Click here for Table of Contents
Texas (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language Required
Initial Disclosure Anti-Coercion
Insurance
Disclosure
Cx2778 A depository
institution
Lenders
A loan or
extension of
credit
Property Not specified Tex. Ins. Code
Ann. § 556.051
No
Property of Docutech, LLC Page 240 Version 18.03
Texas (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language Required
Initial Disclosure Advanced
Fee/Application
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 residential
mortgage loan
A dwelling (as
defined by
Section 103[w]
of TILA) or
residential real
estate on which
a dwelling is
constructed or
intended to be
constructed
Not specified Tex. Fin. Code §
156.304(a)
Residential
Mortgage Loan
Company
Licensing and
Registration Act
No
Initial Disclosure TX Mortgage
Banker
Disclosure
Cx2999 Either: (1) a
mortgage banker
that is a residential
loan originator; or (2)
an originator
sponsored under the
Mortgage Banker
Registration and
Residential Mortgage
Loan Originator
License Act
Lenders
A residential
mortgage loan
A dwelling (as
defined by
Section 103[w]
of TILA) or
residential real
estate on which
a dwelling is
constructed or
intended to be
constructed
At application Tex. Fin. Code
Ann. §
157.0021(a); 7
Tex. Admin.
Code § 81.200(a)
Mortgage
Banker
Registration and
Residential
Mortgage Loan
Originator
License Act
Statutory/Administrative/Mortgage
Banker - Required Disclosure Form
Property of Docutech, LLC Page 241 Version 18.03
Texas (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language Required
Initial Disclosure Disclosure of
Multiple Roles in
a Consumer Real
Estate
Transaction
Cx3581 A licensed or
registered residential
mortgage loan
company under the
Residential Mortgage
Loan Company
Licensing and
Registration Act, who
also acts as either a
real estate broker,
salesperson, or
attorney
Both
A residential
mortgage loan
A dwelling (as
defined by
Section 103[w]
of TILA) or
residential real
estate on which
a dwelling is
constructed or
intended to be
constructed
Before acting in
a dual capacity
Tex. Fin. Code §
156.303(a)(13)
Mortgage Loan
Company
Licensing and
Registration Act
Disclosure of Multiple Roles
Initial Disclosure TX Important
Notice to Home
Loan Borrowers
Cx3591 A lender
Both
A home loan
with an interest
rate of 12% or
more a year
A
manufactured
home or real
property
improved by a
1-to-4 family
dwelling which
is used as the
borrower’s
principal
residence
At the time the
GFE is given or,
if RESPA does
not apply to
the loan, 3
business days
after
application.
Tex. Fin. Code
Ann. § 343.102
Model Form
Initial Disclosure TX Notice
Concerning
Extensions of
Credit - Spanish
Cx3640
(Spanish)
A lender
Both
A 50(a)(6)
equity loan
A homestead 12 days before
the loan is
closed
Tex. Const. Art.
16, § 50(g); 7
Tex. Admin.
Code § 153.51
Aviso Sobre El Credito Que Se
Concede
Property of Docutech, LLC Page 242 Version 18.03
Texas (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language Required
Initial Disclosure TX Insurance
Notice to
Applicant
Cx3715 A lender offering
credit life, disability,
or unemployment
insurance on a
prepaid single
premium basis
Both
A home loan A
manufactured
home or real
property
improved by a
1-to-4 family
dwelling which
is used as the
borrower’s
principal
residence
Not later than
3 business days
after receipt of
application.
Tex. Fin. Code
Ann. § 343.104
Texas Credit
Title
Statutory
Initial Disclosure TX Residential
Mortgage Loan
Originator
Disclosure
Cx3883 A residential
mortgage loan
originator sponsored
by a licensed or
registered residential
mortgage loan
company under the
Mortgage Loan
Company Licensing
and Registration Act
Both
A residential
mortgage loan
A dwelling (as
defined by
Section 103[w]
of TILA) or
residential real
estate on which
a dwelling is
constructed or
intended to be
constructed
With an initial
application
Tex. Fin. Code
Ann. § 156.004;
7 Tex. Admin.
Code §§
80.200(a) &
80.204(b)(1)(C)
Mortgage Loan
Company
Licensing and
Registration Act
Mortgage Company - Required
Disclosure Form
Initial Disclosure TX Disclosure
Statement
Required for
Residential
Construction
Cx4262 A lender
Both
Third-party
financing
pursuant to a
residential
construction
contract
A 1-to-4 unit
residence that
is used or
intended to be
used as a
dwelling by
one of the
owners
Before the date
of closing
Tex. Prop. Code
Ann. §§
53.255(b) &
53.257(b)
Statutory
Property of Docutech, LLC Page 243 Version 18.03
Texas (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language Required
Initial Disclosure TX Notice
Concerning
Extensions of
Credit
Cx4549 A lender
Both
A 50(a)(6)
equity loan
A homestead 12 days before
the loan is
closed
Tex. Const. Art.
16, § 50(g); 7
Tex. Admin.
Code § 153.51;
Tex. Const. art.
16, § 50(f)(2)(D)
Constitutionally
Initial Disclosure TX Complaint
Notice
Cx10735
(upon request)
A licensee under
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
Initial Disclosure Privacy Policy
Notice
Cx15182
(Federal)
Either: (1) an entity
regulated by the
Texas Department of
Banking or the
Department of
Savings and
Mortgage Lending;
or (2) a licensee
under Chapter 342,
Title 4 of Texas’
Finance Code
Both
Not specified.
A loan under
Chapter 342,
Title 4 of Texas’
Finance Code
(a consumer
loan)
Not specified.
A 1-to-4 family
dwelling
With any
privacy notice
required to be
provided by
Federal or
Texas law
Tex. Fin. Code
Ann. § 11.307; 7
Tex. Admin.
Code §§ 11.37 &
90.105(b)(1) – (4)
12 CFR Pt. 1016, App. A
Property of Docutech, LLC Page 244 Version 18.03
Texas (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language Required
Initial Disclosure TX Mortgage
Banker
Conditional
Approval Letter
(Form B)
Cx16682
(upon request)
A residential
mortgage loan
originator or a
mortgage banker
licensed or
registered under the
Mortgage Loan
Company Licensing
and Registration Act
and the Texas Secure
and Fair Enforcement
for Mortgage
Licensing Act of 2009
(Tex. Fin. Code §§
180.001 through
180.252)
Both
A residential
mortgage loan
A dwelling (as
defined by
Section 103[w]
of TILA) or
residential real
estate on which
a dwelling is
constructed or
intended to be
constructed
Not specified,
but practically
when an
application is
approved on
the basis of
credit
worthiness but
not on
collateral
Tex. Fin. Code
Ann. § 156.105;
7 Tex. Admin.
Code § 81.201(b)
Mortgage Loan
Company
Licensing and
Registration Act
and Mortgage
Bank
Registration and
Residential
Mortgage Loan
Originator
License Act
Mortgage Banker - Conditional
Approval Letter [Form B]
Initial Disclosure TX Mortgage
Company
Conditional
Approval Letter
(Form B)
Cx16683 (upon
request)
A residential
mortgage loan
originator sponsored
by a licensed or
registered residential
mortgage loan
company under the
Mortgage Loan
Company Licensing
and Registration Act
Both
A residential
mortgage loan
A dwelling (as
defined by
Section 103[w]
of TILA) or
residential real
estate on which
a dwelling is
constructed or
intended to be
constructed
Not specified,
but practically
when an
application is
approved on
the basis of
credit
worthiness but
not on
collateral
Tex. Fin. Code
Ann. § 156.105;
7 Tex. Admin.
Code § 80.201(b)
Mortgage Loan
Company
Licensing and
Registration Act
Mortgage Company - Conditional
Approval Letter [Form B]
Property of Docutech, LLC Page 245 Version 18.03
Texas (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language Required
Initial Disclosure TX Mortgage
Banker
Conditional
Qualification
Letter (Form A)
Cx16684 (upon
request)
A residential
mortgage loan
originator or a
mortgage banker
licensed or
registered under the
Mortgage Loan
Company Licensing
and Registration Act
and the Texas Secure
and Fair Enforcement
for Mortgage
Licensing Act of 2009
(Tex. Fin. Code §§
180.001 through
180.252)
Both
A residential
mortgage loan
A dwelling (as
defined by
Section 103[w]
of TILA) or
residential real
estate on which
a dwelling is
constructed or
intended to be
constructed
Not specified,
but practically
when a
conditional
qualification is
established
Tex. Fin. Code
Ann. § 156.105;
7 Tex. Admin.
Code § 81.201(a)
Mortgage Loan
Company
Licensing and
Registration Act
and Mortgage
Bank
Registration and
Residential
Mortgage Loan
Originator
License Act
Mortgage Banker - Conditional
Qualification Letter [Form A]
Initial Disclosure TX Mortgage
Company
Conditional
Qualification
Letter (Form A)
Cx16685
(upon request)
A residential
mortgage loan
originator sponsored
by a licensed or
registered residential
mortgage loan
company under the
Mortgage Loan
Company Licensing
and Registration Act
Both
A residential
mortgage loan
A dwelling (as
defined by
Section 103[w]
of TILA) or
residential real
estate on which
a dwelling is
constructed or
intended to be
constructed
Not specified,
but practically
when a
conditional
qualification is
established
Tex. Fin. Code
Ann. § 156.105;
7 Tex. Admin.
Code § 80.201(a)
Mortgage Loan
Company
Licensing and
Registration Act
Mortgage Company - Conditional
Qualification Letter [Form A]
Property of Docutech, LLC Page 246 Version 18.03
Texas (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language Required
Closing Truth-in-Lending
Disclosure and
Truth-in-Lending
Total Payments
Itemization
Cx18 &
Cx15444 (both
Federal)
A lender
Both
A loan under
Chapter 342,
Title 4 of Texas’
Finance Code
(a consumer
loan)
A 1-to-4 family
dwelling
Before taking a
loan obligation
Tex. Fin. Code §
342.505
12 CFR Pt. 1026, App. H
Closing Notice of
Confidentiality
Rights on TX
Deed of Trust
On Cx352
(FNMA/FHLMC),
Cx405 (FHA),
Cx510, &
Cx6178
(FNMA/FHLMC)
Not specified
Both
Not specified Real property Not specified,
but practically
at closing
Tex. Prop. Code
Ann. § 11.008(c)
Statutory
FNMA Form 3044 - Texas
FNMA Form 3044.1 - Texas Home
Equity Security Instrument First
Lien
Closing TX Collateral
Protection Act
Notice
Cx1015 A creditor or a
person who is a
lender of money
Both
A credit
transaction for
which a credit
agreement
exists
Real property At the time the
credit
agreement is
executed
Tex. Fin. Code §
307.052(a)
Texas Credit
Title
No
Closing TX Home Equity
Affidavit of Fair
Market Value of
Homestead
Property
Cx3653 A lender
Both
A 50(a)(6)
equity loan
A homestead On the date
the extension
of credit is
made
Tex. Const. Art.
16, §
50(a)(6)(Q)(ix);
Tex. Const. art.
16, § 50(f)(2)(c)
No
Closing TX Notice of No
Oral Agreements
Cx3682 A financial institution
Both
A loan
agreement in
which the
amount of the
loan exceeds
$50,000
Not specified In or with the
loan
agreement
Tex. Bus. & Com.
Ann. § 26.02(e) –
(f)
Statutory
Certain Loan Agreements Must Be
in Writing
Property of Docutech, LLC Page 247 Version 18.03
Texas (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language Required
Closing TX Affidavit of
Reasonable
Costs on
Homestead
Property
Refinance
Cx3684 (upon
request)
Not specified
Both
A loan which
refinances any
loans described
in Tex. Const.
art. 16, §
50(a)(1)
through (a)(5),
which includes
an advance of
additional
funds
A homestead Not specified Tex. Const. art.
16, § 50(e)(2); 7
Tex. Admin.
Code § 153.41
No
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
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
Cx5029 A lender
Both
A 50(a)(6)
equity loan
A homestead Not specified Tex. Const. art.
16, § 50(a)(6)(E);
7 Tex. Admin.
Code § 153.5
No
Closing Texas Veterans
Land Board
Take-Out Loan
Affidavit
Cx7768 Not specified
Both
A take-out loan A single
dwelling home
At closing Texas Veterans’
Land Board
Take-Out Loans Affidavit Post-
Interim Financing
Property of Docutech, LLC Page 248 Version 18.03
Texas (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language Required
Closing TX Home Equity
Election Not to
Rescind
Cx9522 A lender
Both
A 50(a)(6)
equity loan
A homestead At closing Tex. Const. Art.
16, §
50(a)(6)(Q)(viii);
7 Tex. Admin.
Code § 153.25
No
Closing TX Notice of
Penalties for
Making False or
Misleading
Statements
Cx12309 Either: (1) a lender,
mortgage banker, or
licensed mortgage
broker; (2) a licensee
under the Residential
Mortgage Loan
Company Licensing
and Registration Act
(Tex. Fin. Code §§
156.001 through
156.508); or (3) a
licensee under the
Mortgage Banker
Registration and
Residential Mortgage
Loan Originator Act
(Tex. Fin. Code §§
157.001 through
157.031)
Both
Either: (1) a
home loan; or
(2) a residential
mortgage loan
Either: (1) a
manufactured
home or real
property
improved by a
1-to-4 family
dwelling which
is used as the
borrower’s
principal
residence; or
(2) a dwelling
(defined by
Section 103[w]
of TILA) or
residential real
estate which
has or shall
have a dwelling
At closing Tex. Fin. Code §
343.105; 7 Tex.
Admin. Code §§
80.204(b)(1)(E) &
81.204(b)(1)(E)
Residential
Mortgage Loan
Company
Licensing and
Registration Act
and Mortgage
Banker
Registration and
Residential
Mortgage Loan
Originator Act
Notice of Penalties for Making or
Misleading Statements and Notice
of Penalties for Making False or
Misleading Statement
Property of Docutech, LLC Page 249 Version 18.03
Texas (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language Required
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,
Title 4 of Texas’
Finance Code
(a consumer
loan) or a
home equity
loan regulated
by the Texas
Office of
Consumer
Credit
Commissioner
A 1-to-4 family
dwelling
No later than
consummation
of the loan
contract
Tex. Fin. Code
Ann. § 341.502;
7 Tex. Admin.
Code § 90.701
Texas Credit
Title
Administrative
Closing TX Disclosure of
Servicing
Complaints
16006
(upon request)
Either: (1) a
mortgage banker
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 residential
mortgage loan
A dwelling or
residential real
estate, which
has either: (1) a
dwelling, as
defined under
Section 103(v)
of TILA; or (2) a
1-to-4 family
dwelling
Not later than
the 30th day
after the
registrant
commences
servicing the
loan.
Tex. Fin. Code §§
157.0021(b) &
158.101
Mortgage
Banker
Registration and
Residential
Mortgage Loan
Originator
License Act
and
Residential
Mortgage Loan
Servicer
Registration Act
Statutory
Required Disclosure Statement
Click here for Table of Contents
Property of Docutech, LLC Page 250 Version 18.03
Click here for Table of Contents
Utah (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Anti-Coercion
Insurance
Disclosure
Cx2778 A person, including
one both authorized
to engage in insurance
activities and who
extends credit
Both
An extension of
credit
Not specified At the time of
written
application or, if
there is no written
application,
before closing
Utah Code Ann.
§§ 31A-23a-402(5)
& 31A-23a-416
Partial Statutory
Initial Disclosure Advanced
Fee/Application
Disclosure
Cx2783 Either: (1) a person
transacting the
business of residential
mortgage loans; or (2)
a lender or broker
Both
Either: (1) a
closed-end, first
lien residential
mortgage loan; or
(2) a mortgage
loan of more than
two years
Either: (1) a 1-to-4
unit dwelling
(including
condos, coops,
and
manufactured
homes or
residential real
property; or (2)
not specified
Before accepting
a fee or deposit
Utah Code Ann.
§§ 61-2C-
301(1)(b) & 70D-
2-305
Utah Residential
Mortgage
Practices and
Licensing Act and
Mortgage
Lending and
Servicing Act
No
Initial Disclosure UT Loan Notice Cx15693 A lender or broker
Both
A mortgage loan
of more than two
years
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
Property of Docutech, LLC Page 251 Version 18.03
Utah (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure
and Closing
UT High Cost
Home Loan
Disclosures
Cx3774 A lender who is
licensed under the
Utah Residential
Mortgage Practices
and Licensing Act (Utah
Code Ann. §§ 61-2c-
101 through 61-2c-
510)
Both
A high-cost
mortgage, in
which points,
fees, or other
changes payable
to the lender or
any third party in
an amount in
excess of 8% of
the total loan
amount are
financed into the
loan
A borrower’s
principal dwelling
No less than 3
business days
prior to
consummation
Utah Code Ann. §
61-2d-105(1) &
(2)
Utah High Cost
Home Loan Act
Statutory
Initial Disclosure
and TILA
Redisclosure
Notice of Right to
Receive Copy of
Appraisal Report
Cx17903 A person transacting
the business of
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
On Cx353
(FNMA/FHLMC),
Cx406 (FHA),
Cx511, &
Cx1398
Not specified
Both
Either: (1) a loan
subject to RESPA
(aka a federally-
related mortgage
loan); or (2) not
specified
Either: (1)
residential
property
constructed for 1-
to-4 families; or
(2) not specified
Not specified, but
practically at
closing
Utah Code Ann.
§§ 17-21-
18.5(4)(b) & 17-
21-25
Statutory
FNMA Form 3045 -
Utah
Property of Docutech, LLC Page 252 Version 18.03
Utah (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Closing UT Disclosure of
Servicer
Cx1001 A lender
Both
A mortgage loan
of more than two
years
Not specified At the time of
closing
Utah Code Ann. §
70D-2-303(1)
Mortgage
Lending and
Servicing Act
No
Closing UT Re-Disclosure
Certification
Cx17008 (upon
request)
A lender licensed under
the Utah Residential
Mortgage Practices
and Licensing Act (Utah
Code Ann. §§ 61-2c-
101 through 61-2c-
510)
Both
A high-cost
mortgage, in
which points,
fees, or other
charges payable
to other parties in
an amount in
excess of 8% of
the total loan
amount are
financed into the
loan.
A borrower’s
principal dwelling
At consummation Utah Code Ann. §
61-2d-105(4)
Utah High Cost
Home Loan Act
No
Closing Notice of
Servicing Transfer
Cx17905 A lender
Both
A mortgage loan,
of more than two
years
Not specified At least 10 days
before the due
date of the first
mortgage
payment due
after the
assignment
Utah Code Ann. §
70D-2-303(2)
Mortgage
Lending and
Servicing Act
12 CFR Pt. 1024,
App. MS-2
Property of Docutech, LLC Page 253 Version 18.03
Utah (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Closing UT Consumer
Credit Code
Subordination
Agreement
Cx18666 Parties to the
transaction (i.e. a
creditor)
Both
A credit
transaction that is
otherwise exempt
from the
provisions of the
Utah Consumer
Credit Code
(generally first
lien loans)
Not specified Not specified Utah Code Ann. §
70C-1-202(1)
No
Click here for Table of Contents
Property of Docutech, LLC Page 254 Version 18.03
Click here for Table of Contents
Vermont (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Anti-Coercion
Insurance Disclosure
Cx2778 A person
Both
A loan of money
or extension of
credit
Not specified Not specified Vt. Stat. Ann. tit.
8, § 4725
No
Initial Disclosure VT
Broker/Prospective
Borrower Agreement
Cx3594 A mortgage broker
Brokers
A mortgage loan Real property or
real estate
Before taking any
fee or at the time
a signed
application is
submitted
Vt. Stat. Ann. tit.
8, § 2219; Vt.
Admin Code 4-2-
3:4 & 4-2-
3:Appendix
Administrative
Initial Disclosure VT High Rate/High
Point Notices
Cx3708 A lender
Both
A high rate, high
point loan, which
is secured by a
first lien on
residential real
estate and
consists of fees
and points over a
certain threshold.
Residential real
estate
Given in
conjunction with
the GFE, or when
the borrower is
notified that the
lender will only
offer this type of
loan
Vt. Stat. Ann. tit.
9, § 104; Vt.
Admin. Code 4-
2-6
Partial
Administrative
Initial Disclosure VT Mortgage Loan
Commitment
Agreement
Cx4671 A lender
Lenders
Either: (1) a loan
secured by a lien
against real
estate; or (2) a
loan secured by a
first lien on
owner occupied
residential real
estate
Real estate used
as the borrower’s
residence and
owner occupied
residential real
estate
No less than 24
hours prior to
closing (some
exceptions apply)
Vt. Stat. Ann. tit.
9, § 103 Vt.
Admin. Code 4-
2-5:3 & 4-2-5:4
No
Property of Docutech, LLC Page 255 Version 18.03
Vermont (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure VT Application
Capacity Notice
Cx4816 A lender
Lenders
A mortgage loan Real estate In advance of
taking any fee or
at the time an
application is
submitted
Vt. Stat. Ann. tit.
8, § 2220
No
Initial Disclosure VT Addendum to
Uniform Residential
Loan Application
Cx5107 Not specified
Both
Not specified Not specified Not specified,
but practically at
application
Vt. Stat. Ann. tit.
15, § 1204; Dept.
of Banking,
Insurance,
Securities, and
Health Care
Administration
Bulletin No. 23
BUL-B-23
Initial Disclosure &
Closing
Certification and
Authorization
Cx13 (Federal) A person obtaining a
credit report
Both
Credit Not specified Before obtaining
a credit report
Vt. Stat. Ann. tit.
9, § 2480e; Vt.
Admin. Code 3-
2-110:CF 112.03
No
Initial Disclosure,
TILA ReDisclosure,
& Closing
Itemization of
Amount Financed 01-
01-10
Cx14644
(Federal)
A licensed lender
under Chapter 73, Part
2, Title 8 of Vermont’s
Statutes
Both
A loan Not specified In advance of any
loan closing
Vt. Stat. Ann. tit.
8, § 2232a(b)
12 CFR Pt. 1026,
App. H
Closing Co-signer Notice on
3200 Note Fixed, FHA
Note Fixed, and VA
3200 Note Fixed
On Cx5
(FNMA/FHLMC),
Cx36 (FHA), and
Cx58
A lender
Both
An obligation Not specified With the
instrument
evidencing the
obligation
Vt. Stat. Ann. tit.
9, § 102
Statutory
FNMA Form 3200 –
Multistate Fixed-
Rate Note
Property of Docutech, LLC Page 256 Version 18.03
Vermont (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Closing HUD-1 01-01-10 Cx14222
(Federal)
A licensed lender
under Chapter 73, Part
2, Title 8 of Vermont’s
Statutes
Both
A loan Not specified At the time the
loan is made
Vt. Stat. Ann. tit.
8, § 2232a(a)
12 CFR Pt. 1024,
App. A
Click here for Table of Contents
Property of Docutech, LLC Page 257 Version 18.03
Click here for Table of Contents
Virginia (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure VA Insurance
Disclosure
Cx3577 Either a depository
institution or any
person who sells or
solicits any insurance
under Article 2,
Chapter 1, Title 38.2
(Va. Code Ann. §§ 38.2-
101 through 38.2-134)
Both
A loan or
extension of
credit
Not specified When an offer for
insurance is
made, when an
application for a
loan or extension
of credit is
pending
Va. Code Ann. §
38.2-513.1(A)(9)
& (D)
No
Initial Disclosure VA Notice Cx3592 A broker licensed
under Chapter 16,
Subtitle III, Title 6.2 of
Virginia’s Code (aka
the Mortgage Lender
and Broker Act) who
has also acted as a real
estate broker, agent, or
salesman in connection
with the transaction.
Includes state banks
under certain
circumstances.
Brokers
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
Property of Docutech, LLC Page 258 Version 18.03
Virginia (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Loan Brokerage
Agreement
Cx3841 A broker licensed
under Chapter 16,
Subtitle III, Title 6.2 of
Virginia’s Code (aka
the Mortgage Lender
and Broker Act)
Brokers
A mortgage loan 1-to-4 family
residential
property
Not specified Va. Code Ann. §
6.2-1616(B)(4); VA
Admin. Ruling
1607
No
Initial Disclosure VA Choice of
Settlement Agent
Notice
Cx5101 Not specified
Both
Transactions
involving the
purchase of the
security of real
estate
Real estate
containing 1-to-4
residential
dwelling units
With the contract
for the purchase
of the real estate
Va. Code Ann. §
55-525.23
Statutory
Initial Disclosure VA Notification to
Mortgage Loan
Applicants
Cx5111 A lender or a broker
Both
A loan secured by
a primary
mortgage or
deed of trust
Owner-occupied
residential real
estate consisting
of 1-to-4 family
dwelling units
At the time an
application for
such a loan is
submitted by a
loan applicant
Va. Code Ann. §
6.2-406
No
Initial Disclosure Affiliated Business
Disclosure
Cx11413
(Federal)
Either: (1) a person
selling real property, or
performing services as
a real estate agent,
attorney, lay
settlement agent, or
lender; or (2) any
person making a
referral to an affiliated
settlement service
provider
Both
A loan
transaction,
secured by a
primary deed of
trust or mortgage
Real estate
containing 1-to-4
residential
dwelling units
Various timing
requirements, but
generally no later
than the time of
the referral
Va. Code Ann. §§
55-525.13 & 55-
525.13
12 CFR Pt. 1024,
App. D
Property of Docutech, LLC Page 259 Version 18.03
Virginia (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Tangible Net
Benefit Worksheet
Cx12531 (upon
request)
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
A refinance of a
mortgage loan
within 12 months
of its origination
date
1-to-4 family
residential
property
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
A mortgage loan 1-to-4 family
residential
property
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
A mortgage loan 1-to-4 family
residential
property
Before a broker
receives any
compensation
10 Va. Admin.
Code §§ 5-160-10
& 5-160-30(A)
No
Initial Disclosure VA Addendum to
Loan Application
Cx17208 A lender
Both
Not specified, but
practically a loan
for the purchase
of residential real
property
Residential real
property
consisting of 1-
to-4 dwelling
units
With the
application
Va. Code Ann. §
55-520(B)
Virginia
Residential
Property
Disclosure Act
No
Property of Docutech, LLC Page 260 Version 18.03
Virginia (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Notice of Right to
Receive Copy of
Appraisal Report
Cx17903 or
Cx17904 (both
Federal)
A lender
Both
A loan Residential real
estate
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
Cx18553 (upon
request)
A depository
institution which
solicits the sale of
insurances
Both
Not specified Not specified Prior to the sale
of an insurance
policy
Va. Code Ann. §
38.2-513.1(a)(10)
No
Property of Docutech, LLC Page 261 Version 18.03
Virginia (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure CSO Information
Statement
UR A credit services
organization (CSO)
Brokers
An extension of
credit for
consumer
purposes
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
Initial Disclosure CSO Contract UR A credit services
organization (CSO)
Brokers
An extension of
credit for
consumer
purposes
Not specified Not specified Va. Code Ann. §
59.1-335.8
Virginia Credit
Services
Businesses Act
Statutory
Adverse Action Statement of
Credit Denial,
Termination or
Change
Cx15858
(Federal)
A creditor
Both
Credit Not specified No later than 30
days after receipt
of a completed
application
Va. Code Ann. §§
6.2-502, 6.2-503,
& 6.2-508
12 CFR Pt. 202, App.
C
Form C-1
Property of Docutech, LLC Page 262 Version 18.03
Virginia (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure,
TILA Redisclosure,
and Closing
All TILA
Disclosures and
HUD-1 01-01-10
Cx18, Cx1591,
and all other
TILA Disclosures,
and Cx14222 (all
Federal)
Either: (1) every person
subject to the Federal
Truth-in-Lending Act;
or (2) a mortgage
lender licensed under
Chapter 16, Subtitle III,
Title 6.2 of Virginia’s
Code (aka the
Mortgage Lender and
Broker Act)
Both
Either: (1)
consumer credit;
or (2) a mortgage
loan
1-to-4 family
residential
property
Various times Va. Code Ann. §§
6.2-436 & 6.2-
1615
“Mortgage
Lender and
Broker Act”
12 CFR Pt. 1026,
App. G & H
12 CFR Pt. 1024,
App. A
Initial Disclosure,
Processing,
Underwriting, &
Closing
NMLS Unique
Identifier
Disclosed on 1003
Uniform
Residential Loan
Application
On Cx4193
(FNMA/FHLMC)
A licensee under
Chapter 16, Subtitle III,
Title 6.2 of Virginia’s
Code (aka the
Mortgage Lender and
Broker Act)
Both
A residential
mortgage loan
A 1-to-4 family
unit dwelling or
residential real
estate upon
which is (or is
intended to be)
constructed such
a dwelling,
including
individual condo
or coop units
On the
application
10 Va. Admin.
Code § 5-160-
20(8)
FNMA 1003 Form -
Uniform Residential
Loan Application
Quality Assurance
&
Closing
Closing
Instructions or
Closing
Worksheet
Cx14225 or
Cx14226
Either: (1) a provider,
which in most cases
would be a lender; or
(2) not specified
Either: (1) a loan
transaction; or (2)
transactions
involving the
purchase of the
security of real
estate
Real estate
containing 1-to-4
residential
dwelling units
Not specified, but
practically prior
to the recordation
of any instrument
Va. Code Ann. §§
55-525.11(iii) &
55-525.24(A)(2)
No
Property of Docutech, LLC Page 263 Version 18.03
Virginia (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Closing Virginia
Homestead
Exemption on All
Promissory Notes
and HELOC
Agreement – VA
Cx5
(FNMA/FHLMC),
Cx58, Cx1077,
Cx4031, and
others
A creditor
Both
Debt Property or an
estate which may
be exempt under
Chapter 2, Title
34 of Virginia’s
Code (Va. Code
Ann. §§ 34-4
through 34-25)
On the
promissory note
Va. Code Ann. §
34-22
Statutory
(optional)
Closing Conveyance
Notice and
Trustee Addresses
on Virginia
Security
Instruments
Cx354
(FNMA/FHLMC),
Cx407 (FHA),
Cx512, & Cx1335
Not specified
Both
A loan of money Either: (1) 1-to-4
family residential
dwelling units; or
(2) real property
On the security
instrument
Va. Code Ann. §§
6.2-417 & 55-
58.1(3)
Statutory
FNMA Form 3047 –
Virginia Deed of
Trust
Closing Recordation Tax
Notices on
Virginia Security
Instruments
Cx354
(FNMA/FHLMC),
Cx407 (FHA), &
Cx512
Not specified
Both
A refinance of an
existing, secured
debt
Property On the security
instrument
Va. Code Ann. §§
17.1-223(A)(iii) &
58.1-803(D)
Virginia
Recordation Tax
Act
No
Closing Auto-
subordination
Notice on Virginia
Security
Instruments
Cx354
(FNMA/FHLMC)
& Cx407 (FHA)
Not specified
Both
A refinance
mortgage, with a
principal amount
not exceeding by
more than $5,00
the amount of,
nor an interest
rate exceeding
that of, the loan
being refinanced
Real estate,
containing no
more than one
dwelling unit
On the security
instrument
Va. Code Ann. §
55-58.3
Statutory
FNMA Form 3047 –
Virginia Deed of
Trust
Property of Docutech, LLC Page 264 Version 18.03
Virginia (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Closing Credit Line
Caption on
HELOC Deed of
Trust – VA
Cx1335 Not specified
Both
A credit line deed
of trust
Real property On the security
instrument
Va. Code Ann. §§
55-58.2(2) & (5)
and 55-60(11)
Partial statutory
Closing Disclosure of
Appraisal or AVM
Fee and Escrow
Instructions and
Identification of
Settlement Agent
on HUD-1 01-01-
10
Cx14222
(Federal)
Either: (1) a lender; or
(2) not specified
Both
Either: (1)
transactions
involving the
purchase of the
security of real
estate; or (2) a
loan transaction,
secured by a
primary deed of
trust or mortgage
Real estate
containing 1-to-4
residential
dwelling units
On the settlement
statement
Va. Code Ann. §§
55-525.14 and
55-525.24(B)(2) &
(E)
12 CFR Pt. 1024,
App. A
Closing Notice of
Servicing Transfer
Cx17905
(Federal)
A transferor (aka a
licensee under Chapter
16, Subtitle III, Title 6.2
of Virginia’s Code)
Both
A mortgage loan 1-to-4 family
residential
property
At least 10
calendar days
before the first
payment affected
by the notice
10 Va. Admin.
Code § 5-160-
20(3)
12 CFR Pt. 1024,
App. MS
Form MS-2
Click here for Table of Contents
Click here for Table of Contents
Property of Docutech, LLC Page 265 Version 18.03
Washington (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific
Language
Required
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 residential
mortgage loan
A dwelling
(including
condos, coops,
mobile or
manufactured
homes, or a
trailer) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
Within 3 business
days following
receipt of a loan
application or any
moneys from a
borrower
Wash. Rev. Code Ann.
§ 19.146.030(1), (2), &
(4); Wash. Admin. Code
§§ 208-620-510(4) &
208-660-430(3)
Mortgage Broker
Practices Act and
Washington Consumer
Loan Act
Model Disclosure
Form
Initial Disclosure Anti-Coercion
Insurance
Disclosure
Cx2778 Every person who
lends money or
extends credit and who
solicits insurance
Lenders
A loan of money
or extension of
credit
Real property Not specified Wash. Rev. Code Ann.
§ 48.30.260(2)
The Insurance Code
No
Initial Disclosure Appraisal
Notification on
Purchase Money
Mortgages
Cx2791 A lender
Both
A residential
mortgage loan
Real property Prior to closing Wash. Rev. Code Ann.
§ 19.149.020
No
Property of Docutech, LLC Page 266 Version 18.03
Washington (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific
Language
Required
Initial Disclosure WA Interest Rate
Lock Agreement
and Good Faith
Estimate 01-01-
10
Cx2792 &
Cx14221
(Federal)
Either: (1) a mortgage
broker, loan originator,
or lender; or (2)
someone subject to the
Washington Consumer
Loan Act
Both
A residential
mortgage loan
A dwelling
(including
condos, coops,
mobile or
manufactured
homes, or a
trailer) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
No less than 3
business days after
locking the fee
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
Washington Consumer
Loan Act
Model Rate Lock
Agreement
Initial Disclosure WA Conflict of
Interest
Disclosure
Cx3705 A loan originator who
is either subject to the
Mortgage Broker
Practices Act or the
Washington Consumer
Loan Act, who is also
acting as a real estate
broker or salesperson
Both
A residential
mortgage loan
A dwelling
(including
condos, coops,
mobile or
manufactured
homes, or a
trailer) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
When acting in a
dual capacity
Wash. Admin. Code §§
208-620-700(3) & 208-
660-300(7)
Mortgage Broker
Practices Act and
Washington Consumer
Loan Act
Statutory and
Administrative
Initial Disclosure WA Disclosure
Receipt
Cx3747 A licensee under the
Washington Consumer
Loan Act
Both
A loan Real property Not specified Wash. Admin. Code §
208-620-510(2)
Washington Consumer
Loan Act
No
Property of Docutech, LLC Page 267 Version 18.03
Washington (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific
Language
Required
Initial Disclosure Loan Brokerage
Agreement
Cx3841 A loan originator or
mortgage broker
subject to the
Mortgage Broker
Practices Act
Brokers
A residential
mortgage loan
A dwelling
(including
condos, coops,
mobile or
manufactured
homes, or a
trailer) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
Not specified Wash. Admin. Code §§
208-660-430(23) &
208-660-500(4)(c)
Mortgage Broker
Practices Act
No
Initial Disclosure Net Tangible
Benefit
Worksheet
Cx12531 (upon
request)
Not specified, but
contextually a licensee
under the Washington
Consumer Loan Act
Both
A new loan or an
increase in a
credit line within
120 days after
originating a
previous loan or
credit line
Not specified Not specified Wash. Admin. Code §
208-620-560(4)(d)
Washington Consumer
Loan Act
No
Initial Disclosure Addendum to
Loan Application
Cx13441 Not specified
Both
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
Property of Docutech, LLC Page 268 Version 18.03
Washington (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific
Language
Required
Initial Disclosure RESPA and TILA
Disclosures
Cx14221 and
other RESPA
and TILA
Disclosures
(Federal)
Either: (1) a financial
institution; (2) a
licensee under the
Washington Consumer
Loan Act; or (3) a
licensee under the
Mortgage Broker
Practices Act
Both
Either: (1) a
residential
mortgage loan;
or (2) a
consumer loan
Either: (1)
residential real
property upon
which is (or is
intended to be)
constructed a 1-
to-4 unit
dwelling, which
is either an
owner-occupied
primary
residence or a
second home; (2)
real property; or
(3) a dwelling
(including
condos, coops,
mobile or
manufactured
homes, or a
trailer) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
Within 3 business
days following
receipt of a loan
application.
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
Property of Docutech, LLC Page 269 Version 18.03
Washington (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific
Language
Required
Initial Disclosure WA Facts About
Construction Lien
Disclosure
Cx16579 A real property lender
Both
Loans in which
the proceeds are
used for
residential
construction,
residential repair,
or remodeling
Real property Not specified Wash. Rev. Code Ann.
§§ 60.04.250 &
60.04.255
Facts About
Construction Liens
Initial Disclosure WA Explanation
of Fee Increase
Cx18518 (upon
request)
A mortgage broker or
loan originator on
behalf of a mortgage
broker
Brokers
A residential
mortgage loan
Residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
(including
condos, coops,
mobile or
manufactured
homes, or a
trailer)
No less than three
business days prior
to the signing of
the loan closing
documents
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
Cx18562 A lender
Lenders
A loan of money
or extension of
credit, in
connection with
the solicitation of
property
insurance
Property Before a person
solicits property
insurance
Wash. Rev. Code Ann.
§ 48.30.260(3)(a)
The Insurance Code
No
Property of Docutech, LLC Page 270 Version 18.03
Washington (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific
Language
Required
Initial Disclosure WA Optional
Insurance
Disclosure
Cx18563 (upon
request)
Not specified, but
contextually a licensee
under the Washington
Consumer Loan Act
Both
A loan Not specified Not specified Wash. Admin. Code §
208-620-560(3)
Washington Consumer
Loan Act
No
Initial Disclosure WA Alternative
Mortgage Loan
Product
Disclosure
Cx18634 (upon
request)
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
intended to be)
constructed a 1-
to-4-unit
dwelling
Not specified Wash. Rev. Code Ann.
§ 19.144.060
No
Initial Disclosure WA Loan
Brokerage
Agreement and
Loan Origination
Disclosure
Statement
Cx19136 Mortgage Broker or
Loan Originator
A residential
mortgage loan
Not specified Not specified Wash Rev. Code Ann.
§ 19.146.040
No
Property of Docutech, LLC Page 271 Version 18.03
Washington (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific
Language
Required
Initial Disclosure,
Processing,
Underwriting, &
Closing
Disclosures on
the 1003 Uniform
Residential Loan
Application
Cx4193
(FNMA/FHLMC)
A mortgage loan
originator
Both
A residential
mortgage loan
A dwelling
(including
condos, coops,
mobile or
manufactured
homes, or a
trailer) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
On the loan
application
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
Initial Disclosure,
TILA Redisclosure,
& Closing
First Lien
Appraisal
Waiver/Receipt
Form
Cx18183
(Federal)
A lender
Both
A purchase
money
residential
mortgage loan
A 1-to-4 unit
dwelling on
residential real
estate
Not specified Wash. Rev. Code Ann.
§ 19.149.020
No
Closing Federal and
Washington PMI
Disclosures
Cx29, Cx862,
Cx4668,
Cx14292,
Cx14293,
Cx14294 (all
Federal), 18541,
& 18542
A lender
Both
A residential
mortgage
transaction
An owner-
occupied, 1-to-4
unit residential
real property
At the time a
transaction is
entered into
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)
Washington Consumer
Loan Act
None
Property of Docutech, LLC Page 272 Version 18.03
Washington (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific
Language
Required
Closing WA Oral
Agreement
Notice
Cx12751 A creditor
Both
A loan of money
or extension of
credit
Not specified In or with
documents
relating to the
credit agreement
(closing)
Wash. Rev. Code Ann.
§ 19.36.140
Statutory
Closing Notice of
Servicing
Transfer
Cx17905
(Federal)
A lender
Both
A purchase loan A 1-to-4 family,
owner-occupied
residence
At the time of or
prior to loan
closing
Wash. Rev. Code Ann.
§ 19.148.030(1)
12 CFR Pt. 1024,
App. MS-2
Click here for Table of Contents
Property of Docutech, LLC Page 273 Version 18.03
Click here for Table of Contents
West
Virginia (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Anti-Coercion
Insurance
Disclosure
Cx2778 A creditor
Both
A consumer loan Real property Not specified W. Va. Code Ann.
§ 46A-3-109(b)(4)
& (b)(5)
West Virginia
Consumer Credit
and Protection
Act
No
Initial Disclosure WV Tangible Net
Benefit Worksheet
Cx3849 A licensee under either
the West Virginia
Residential Mortgage
Lender, Broker, and
Servicer Act or the
West Virginia SAFE
Mortgage Licensing
Act (W.Va. Code Ann.
§§ 31-17A-1 through
31-17A-20), or a
regulated consumer
lender
Both
A primary
mortgage loan or
a subordinate
mortgage loan, or
a consumer loan
A dwelling (as
defined in Section
103[w] of TILA) or
residential real
estate upon
which is
constructed a
dwelling, or land
Not specified W. Va. Code Ann.
§§ 31-17-8(d) &
46A-4-111(2)
West Virginia
Residential
Mortgage Lender,
Broker, and
Servicer Act
and
West Virginia
Consumer Credit
and Protection
Act
Tangible Net
Benefit Worksheet
Initial Disclosure West Virginia Fees
and Services
Disclosure
Cx4827 (upon
request)
A credit services
organization
Brokers
An extension of
credit
Not specified Before executing
a contract with a
buyer or receiving
any money
W. Va. Code Ann.
§ 46A-6C-6
West Virginia
Consumer Credit
and Protection
Act
CSO-3 & CSO-4
Property of Docutech, LLC Page 274 Version 18.03
West
Virginia (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Credit Services
Organization
Contract and
Notice of
Cancellation
UR A credit services
organization
Brokers
An extension of
credit
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
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
constructed a
dwelling
With the
application
W. Va. Code Ann.
§ 31-17A-18
West Virginia
SAFE Mortgage
Licensing Act
FNMA 1003 Form -
Uniform Residential
Loan Application
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
A dwelling (as
defined in Section
103[w] of TILA) or
residential real
estate upon
which is
constructed a
dwelling
At the time of
closing
W. Va. Code Ann.
§ 31-17-9(a)
West Virginia
Residential
Mortgage Lender,
Broker, and
Servicer Act
12 CFR Pt. 1026,
App. H; Form H-2
Property of Docutech, LLC Page 275 Version 18.03
West
Virginia (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Closing 3260 Note
Balloon, 3180
Rider Balloon, and
Fixed Rate Note
West Virginia
Second
Cx230
(FNMA/FHLMC),
Cx752
(FNMA/FHLMC),
and Cx1081
Not specified
Both
A consumer loan Land With any writing
purporting to
contain the
agreement of the
parties (closing)
W. Va. Code Ann.
§ 46A-2-105
West Virginia
Consumer Credit
and Protection
Act
No
Closing WV Collateral
Protection
Insurance
Disclosure
Cx1000 A creditor, who is an
institution insured by
either the FDIC or
NCUA
Both
A consumer credit
transaction
Collateral, which
includes real
property
With the credit
agreement
(closing)
W. Va. Code Ann.
§ 46A-3-
109a(b)(3)
West Virginia
Consumer Credit
and Protection
Act
Statutory
Closing WV Notice to
Cosigners
Cx1018 Not specified
Both
A consumer loan Land Before a cosigner
signs any
instrument
evidencing the
transaction.
W. Va. Code Ann.
§ 46A-2-104
West Virginia
Consumer Credit
and Protection
Act
Statutory
Closing WV Assessment of
Borrower’s Ability
to Repay
Cx18963
(Upon Request)
Both Residential
mortgage loan
Not specified Not specified W. Va. Code St. R.
106-5-11
Statutory
Click here for Table of Contents
Property of Docutech, LLC Page 276 Version 18.03
Click here for Table of Contents
Wisconsin (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Anti-Coercion
Insurance
Disclosure
Cx2778 Either: (1) any person
engaged in the
business of loaning
money; or (2) any
person
Both
A financing of the
purchase of the
property or a
lending of money
secured by the
property
Real property Not specified Wis. Stat. Ann. §§
134.10 & 628.34(5)
No
Initial Disclosure Advanced
Fee/Application
Disclosure
Cx2783 Either: (1) a bank, credit
union, savings bank,
savings and loan
association, mortgage
banker, or any other
lender; or (2) a
mortgage banker,
mortgage loan
originator, or mortgage
broker
Both
Either: (1) a loan,
which is a primary
lien; or (2) a
residential
mortgage loan
A 1-to-4 family
dwelling used as
the borrower’s
principal
residence
Before accepting
an application or
fee in connection
with the loan.
Wis. Stat. Ann. §
138.052(7e)(b) ;
Wis. Admin. Code,
DFI-BKG §
43.02(11) & (14)
No
Property of Docutech, LLC Page 277 Version 18.03
Wisconsin (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure WI Adjustable
Rate Mortgage
Information
Statement
Cx3951 A lender
Both
A variable rate
loan, which is a
primary lien
Either: (1) a
mobile or
manufactured
home; or (2) a 1-
to-4 family
dwelling used as
the borrower’s
principal
residence
Before making a
variable rate loan.
Wis. Stat. Ann. §
138.056(3m) & (6)
No
Initial Disclosure Addendum to
Loan Application
Cx13441 Not specified
Both
Not specified Not specified Not specified, but
practically with
the application
Wis. Stat. Ann. §§
770.001 through
770.18
No
Initial Disclosure Good Faith
Estimate 01-01-10
& WI Loan
Commitment
Cx14221
(Federal) and
Cx15918
Either: (1) a lender; or
(2) a licensed mortgage
banker, mortgage loan
originator, or mortgage
broker under
Subchapter III, Chapter
224
Both
A residential
mortgage loan
A dwelling (as
defined in 15
USCA § 1602[v])
or residential real
property (upon
which a dwelling
is or is intended
to be
constructed)
Before accepting
a loan
commitment fee
Wis. Admin. Code,
DFI-BKG §§
40.01(5) & (6) and
43.02(12) & (13)
12 CFR Pt. 1024,
App. C
Initial Disclosure WI Consumer
Disclosure
Statement
Cx14546 A mortgage broker
licensed under
Subchapter III, Chapter
224
Brokers
A residential
mortgage loan
A dwelling (as
defined in 15
USCA § 1602[v])
or residential real
property (upon
which a dwelling
is or is intended
to be
constructed)
Before entering
into a contract
with an individual
to provide
brokerage
services
Wis. Stat. Ann. §
224.79(2); Wis.
Admin. Code, DFI-
BKG § 44.02
Consumer
Disclosure
Statement
Property of Docutech, LLC Page 278 Version 18.03
Wisconsin (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
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
A residential
mortgage loan
A dwelling (as
defined in 15
USCA § 1602[v])
or residential real
property (upon
which a dwelling
is or is intended
to be
constructed)
Not specified, but
practically before
engaging in
broker services
Wis. Stat. Ann. §
224.79(1); Wis.
Admin. Code, DFI-
BKG §§ 43.02(14) &
44.01
Mortgage Broker
Agreement - Both
Versions
Initial Disclosure High Cost
Tangible Net
Benefit Worksheet
Cx15773 (upon
request)
A lender
Both
A covered loan
that refinances
another covered
loan, but
excluding bridge
loans
Residential real
property that is or
will be occupied
by the customer
as a principal
dwelling
Not specified Wis. Stat. Ann. §
428.203(7)
No
Initial Disclosure Cost of Insurance
Disclosure
Cx16488 A merchant
Both
A consumer
credit transaction,
which is a junior
lien and the
amount financed
is $25,000 or less
Real property Not specified Wis. Stat. Ann. §
422.202(1)(b) &
(2s)(a)
Wisconsin
Consumer Act –
Consumer Credit
Transactions
No
Adverse Action Statement of
Credit Denial,
Termination, or
Change
Cx15858
(Federal)
A bank, credit union,
savings bank, savings
and loan association, or
mortgage banker
Both
A loan, which is a
primary lien
A 1-to-4 family
dwelling used as
the borrower’s
principal
residence
When adverse
action is
communicated to
the applicant
Wis. Stat. Ann. §
138.052(7e)(a)
12 CFR Pt. 1002,
App. C
Form C-1
Property of Docutech, LLC Page 279 Version 18.03
Wisconsin (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure &
Closing
WI Property Tax
Escrow Option
Cx1023 A bank, credit union,
savings bank, savings
and loan association, or
mortgage banker
Both
A loan, which is a
primary lien
A 1-to-4 family
dwelling used as
the borrower’s
principal
residence
Before closing Wis. Stat. Ann. §
138.052(5)(am),
(5)(b), & (5m)(b)
No
Initial Disclosure,
Processing,
Underwriting, &
Closing
NMLS Unique
Identifier
Disclosed on 1003
Uniform
Residential Loan
Application
On Cx4193
(FNMA/FHLMC)
Any person originating
a residential mortgage
loan
Both
A residential
mortgage loan
A dwelling (as
defined in 15
USCA § 1602[v])
or residential real
property (upon
which a dwelling
is or is intended
to be
constructed)
On the
application
Wis. Stat. Ann. §
224.73(4)(a) & (b)
FNMA 1003 Form -
Uniform Residential
Loan Application
Initial Disclosure &
Closing
WI ARM
Prepayment
Penalty Notice
Cx9109 A lender
Both
A variable rate
loan, which is a
primary lien
Either: (1) a
mobile or
manufactured
home; or (2) a 1-
to-4 family
dwelling used as
the borrower’s
principal
residence
At the time of
offering a variable
rate loan
Wis. Stat. Ann. §
138.056(3m)(a)
No
Property of Docutech, LLC Page 280 Version 18.03
Wisconsin (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure &
Closing
WI Addendum to
Loan Application
Cx18412 A creditor
Both
Either: (1) an
open-end credit
plan; or (2) a
consumer credit
transaction, both
of which are
junior liens and
the amount
financed is
$25,000 or less
Real property With the
application
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
Initial Disclosure &
Closing
WI Covered Loan
Disclosure to
Borrower
Cx18444 A lender
Both
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
Statutory &
Administrative
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
Property of Docutech, LLC Page 281 Version 18.03
Wisconsin (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Closing Notice to Spouse
of Extension of
Credit by Copy of
WI Mortgage
Second & HELOC
Mortgage - WI
Cx515 &
Cx1353
A creditor
Both
A credit
transaction
governed by the
Wisconsin
Consumer Act
(Wis. Stat. Ann.
ch. 421 through
427), which is a
junior lien and
the amount
financed is
$25,000 or less
Real property Before any
payment is due
under the
transaction
Wis. Stat. Ann. §
766.56(3)(b) & (c)
The Family Code
No
Closing WI Explanation of
Personal
Obligation
Cx16043 A creditor
Both
Either: (1) a
consumer credit
transaction, which
is a junior lien
and the amount
financed is
$25,000 or less; or
(2) a loan subject
to Subchapter I,
Chapter 428,
which is a first
lien loan of
$25,000 or less
Either: (1) real
property; or (2)
real estate
At the same time
of signing a
separate
instrument
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
Click here for Table of Contents
Property of Docutech, LLC Page 282 Version 18.03
Click here for Table of Contents
Wyoming (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Anti-Coercion
Insurance Disclosure
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
Property of Docutech, LLC Page 283 Version 18.03
Wyoming (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Enhanced
Prepayment Penalty
Disclosure
Cx12389 A licensee under the
Wyoming Residential
Mortgage Practices Act
Both
A residential
mortgage loan,
which is a
primary lien
A dwelling (a
residential
structure
containing 1-to-4
family units,
including condos,
coops, mobile
homes, and
trailers) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
Initially within 3
business day
after accepting
an application,
then
subsequently
with the final
Truth-in-Lending
Disclosure
Wyo. Stat. Ann.
§§ 40-23-
113(a)(ii) & 40-
23-115(b); Wyo.
R. & Regs. AUD
RMP ch. 2, § 6
Wyoming
Residential
Mortgage
Practices Act
Administrative
Initial Disclosure WY Mortgage Broker
Agreement
Cx13452 A licensee under the
Wyoming Residential
Mortgage Practices Act
(document must be
signed by a licensed
mortgage broker under
this Act)
Brokers
A residential
mortgage loan,
which is a
primary lien
A dwelling (a
residential
structure
containing 1-to-4
family units,
including condos,
coops, mobile
homes, and
trailers) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
Within 3 business
days of a
borrower signing
an application,
but before any
consideration is
paid
Wyo. Stat. Ann. §
40-23-114
Wyoming
Residential
Mortgage
Practices Act
No
Property of Docutech, LLC Page 284 Version 18.03
Wyoming (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
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
Mortgage Practices Act
Both
A residential
mortgage loan,
which is a
primary lien
A dwelling (a
residential
structure
containing 1-to-4
family units,
including condos,
coops, mobile
homes, and
trailers) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
Not less than 3
business days
prior to closing
Wyo. Stat. Ann.
§§ 40-23-
113(e)(ii)& 40-
23-114(d)(ii)
Wyoming
Residential
Mortgage
Practices Act
12 CFR Pt. 1024,
App. C
Initial Disclosure WY
Commitment/Lock-in
Agreement
Cx15904 A licensee under the
Wyoming Residential
Mortgage Practices
Act, but only a
mortgage lender can
execute it
Both
A residential
mortgage loan,
which is a
primary lien
A dwelling (a
residential
structure
containing 1-to-4
family units,
including condos,
coops, mobile
homes, and
trailers) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
Not specified Wyo. Stat. Ann.
§§ 40-23-115(a)
& 40-23-117(x)
Wyoming
Residential
Mortgage
Practices Act
No
Property of Docutech, LLC Page 285 Version 18.03
Wyoming (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure Cost of Insurance
Disclosure
Cx16488 A lender
Lenders
A consumer loan,
which is
generally a junior
lien with a
finance charge
exceeding 18%
Land or a
dwelling
(consisting of 1-
to-4 units,
including condos,
coops, mobile
homes, and
trailers)
Not specified,
but practically
before charges
for additional
insurances are
made
Wyo. Stat. Ann. §
40-14-311(b)(i) &
(ii)
Uniform
Consumer Credit
Code - Loans
No
TILA Redisclosure,
Redisclosure, Pre-
Closing
WY Notice and
Explanation of Fee
Increase
Cx16634 (Non-
TRiD Loans) &
Cx19752 (TRiD
Loans)
A licensee under the
Wyoming Residential
Mortgage Practices Act
Both
A residential
mortgage loan,
which is a
primary lien
A dwelling (a
residential
structure
containing 1-to-4
family units,
including condos,
coops, mobile
homes, and
trailers) or
residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling
Not less than 3
business days
prior to closing
Wyo. Stat. Ann.
§§ 40-23-
113(e)(ii)& 40-
23-114(d)(ii)
Wyoming
Residential
Mortgage
Practices Act
No
Property of Docutech, LLC Page 286 Version 18.03
Wyoming (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Initial Disclosure,
TILA Redisclosure,
& 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;
or (2) a
residential
mortgage loan,
which is a
primary lien
Either: (1) Land or
a dwelling
(consisting of 1-
to-4 units,
including condos,
coops, mobile
homes, and
trailers); or (2)
such a dwelling
or residential real
estate upon
which is (or is
intended to be)
constructed a
dwelling.
Various times Wyo. Stat. Ann.
§§ 40-14-320, 40-
23-113(a)(i), &
40-23-114(b)
Uniform
Consumer Credit
Code – Loans
and Wyoming
Residential
Mortgage
Practices Act
12 CFR Pt. 1024,
App.
12 CFR Pt. 1026,
App. G & H
Initial Disclosure,
Processing,
Underwriting, &
Closing
NMLS Unique
Identifier Disclosed
on 1003 Uniform
Residential Loan
Application
On Cx4193
(FNMA/FHLMC)
Any person originating
a residential mortgage
loan
Both
Either: (1) a
residential
mortgage loan,
which is a
consumer loan
that generally is a
junior lien with a
finance charge
exceeding 18%;
or (2) a
residential
mortgage loan,
which is a
primary lien
Either: (1) Land or
a dwelling
(consisting of 1-
to-4 units,
including condos,
coops, mobile
homes, and
trailers); or (2)
residential real
estate upon
which is (or is
intended to be)
constructed such
a dwelling
With the loan
application
Wyo. Stat. Ann.
§§ 40-14-649 &
40-23-133
Wyoming
Uniform
Consumer Credit
Code and
Wyoming
Residential
Mortgage
Practices Act
FNMA 1003 Form -
Uniform Residential
Loan Application
Property of Docutech, LLC Page 287 Version 18.03
Wyoming (Package Type)
Proper Name of
Disclosure
Generic Cx
Number
License Type
Lender/Broker/Both
Loan Type Property Timing
Requirement
Legal Reference Specific Language
Required
Closing Homestead Waiver
on all Security
Instruments
Cx360
(FNMA/FHLMC),
Cx413 (FHA),
Cx517, &
Cx1403
Not specified
Both
A conveyance or
a mortgage
A homestead At closing Wyo. Stat. Ann. §
34-2-121
Statutory
Click here for Table of Contents
Recommended