Maine adopted a new rule requiring lenders to provide a “Reasonable, Tangible Net Benefit Disclosure Form” at or before closing. This new form is required to be given for all loans made after December 31, 2007. DocuTech has created the ME Reasonable Tangible Net Benefit Disclosure Form to meet this requirement and it will print in all Maine Initial Disclosure packages. For more information see Maine Regulation 02 030 Chapter 550: Mortgage Lending: Guidelines for Determining Reasonable, Tangible Net Benefit and Ability to Repay.