---
title: "Document Update: Informed Consumer Choice Disclosure Notice (Cx41)"
description: Join the First American network of trusted title agents with comprehensive tools and resources.
---
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# Document Update: Informed Consumer Choice Disclosure Notice (Cx41)
Dec 28, 2022
Topics: [Document Updates](https://compliance.docutech.com/tag/document-updates)
The “Informed Consumer Choice Disclosure” is a model form available online at [FHA Model Documents SF](http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/model_documents). Regulations for this document require that the loan information table, which appears in the middle of the model form, be updated periodically to “reflect prevailing market conditions” (see 24 CFR § 203.10\[d\]).
We have updated the date in the first paragraph of our copy of the form (Cx41) to “January 2023” and updated the loan information table to the following to better align with current market conditions:
[](https://compliance.docutech.com/hubfs/Imported_Blog_Media/New-Table-for-Informed-Consumer-Choice-Disclosure-3.png)
The numbered list below the table has also been modified to reflect these changes as well:
2. Based on an UFMIP rate of 1.75%, the total mortgage amount has been updated to $294.566.
3. Streamline refinances of FHA loans endorsed/insured by FHA prior to June 1, 2009, are subject to a reduced UFMIP of .01% and a reduced annual MIP of .55% (updated $132.08 monthly for a loan amount of $289,500).
These changes will take effect on January 4, 2023. If you have any questions or concerns about these, please contact Client Support at 1.800.497.3584.
*DR-138747*
###### The preceding is for informational purposes only and is not and may not be construed as legal advice. No third party entity may rely upon anything contained herein when making legal and/or other determinations regarding its practices, and such third party should consult with an attorney prior to embarking upon any specific course of action.
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The preceding is for informational purposes only and is not and may not be construed as legal advice. No third-party entity may rely upon anything contained herein when making legal and/or other determinations regarding its practices, and such third party should consult with an attorney prior to embarking upon any specific course of action.
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