Stay ahead with trusted industry insights and compliance updates.
Document Update: NJ Application and Disclosure Form (Cx21702)
Jul 6, 2021
Due to a recent document audit, we are updating our version of NJ Application and Disclosure (our form Cx21702), to align with the model form that is ...
Topics: Document Updates
Late Fee Updates: Oklahoma Maximum Charge Increases
Jun 28, 2021
Oklahoma has updated its laws regarding the maximum dollar amounts which can be charged for late fees.
Topics: Document Updates
Reminder: GSE Treasury ARM Retirement
Jun 22, 2021
As we previously announced, Fannie Mae (FNMA) and Freddie Mac (FHLMC) are retiring adjustable rate mortgage products based on the Constant Maturity ...
Topics: Document Updates
Document and System Calendar Update: New Federal Holiday – Juneteenth National Independence Day
Jun 18, 2021
General Overview
Topics: Document Updates
Document Updates: Gift Letter Language (Cx17342)
May 4, 2021
Most loan programs allow for gifts to be given to the borrower to help alleviate costs associated with the loan. A gift letter describing the gift ...
Topics: Document Updates
Clear as Mud: Fees Disclosed on the Loan Estimate
Apr 30, 2021
By: Timothy A. Raty; Sr. Regulatory Compliance Specialist
Topics: Recent Articles
Arena of Ambiguity: Aggregate Escrow Account Analysis and Rounding
Apr 30, 2021
By: Timothy A. Raty; Sr. Regulatory Compliance Specialist
Topics: Recent Articles
Document Updates: 4506-T/4506-C (Copy of Tax Form) (Cx3095 and Cx17841)
Apr 20, 2021
Because IRS Form 4506-C may be completed and signed by someone acting as an attorney-in-fact for the borrower (see “General Instructions” to the ...
Topics: Document Updates
Document Updates: Addenda to Closing Disclosure (Cx18566) and Spanish Closing Disclosure (Cx18991)
Apr 14, 2021
When TRID 1.0 took effect, 12 C.F.R. § 1026.38(g)(1) required the creditor to, within Section E of the CD, disclose “an itemization of each amount ...
Topics: Document Updates
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.
Matrices
Access our compliance matrices.
- Cooperative Matrix
- State Disclosure Matrix
- Federal Disclosure Matrix
- FHA Disclosure Matrix
- FNMA-FHLMC Matrix
- Foreign Language Disclosure Matrix
- Late Fee Matrix
- Late Fee ConformX® Matrix
- Net Tangible Benefit Matrix
- Notary Form Acknowledgement
- Prepayment Penalty Matrix
- Recordable Instruments Matrix
- USDA Matrix
- VA Matrix
TRID Center
Expand your knowledge and understanding of TRID 1.0 and 2.0 with these TRID resources.
- TRID 2.0 Updates: Closing Disclosure (Cx18566) and Spanish Closing Disclosure (Cx18991) – Principal Reduction Verbiage
- DI Check Update: Warnings and Errors for Second Lien Loans Exempt from TRID
- Global Mapping Updates: Field “Integrated Disclosure Loan Indicator” and Second Liens Exempt from TRID
- TRID 2.0 Updates: Closing Disclosure (Cx18566) and Spanish Closing Disclosure (Cx18991) Changing Prepaid Interest From 0 to 0.00.
- TRID 2.0 Updates: Post-Consummation Construction Fees
- TRID 2.0 Updates: Prepaid Interest, Payoffs and Payments, and Monthly Escrow Payment Changes
- TRID 2.0 Document Updates: Loan Estimate (Cx18565) and Spanish Loan Estimate (Cx18990) – Closing Costs Expiration Changes
- System Doc Updates: Promissory Notes, Integrated Disclosures, and Land Trusts
- Document Updates: DC Lock-In Agreement (Cx10455)
- TRID 2.0 and Construction Loans
- TRID 2.0 Change: Excluding NPEs from “Borrower” on the Closing Disclosure
- Document Updates: Loan Estimate (Cx18565) and Closing Disclosure (Cx18566) for Construction-to-Permanent
- TRID 2.0 – What Differs from the Proposed Version
URLA Resources
View helpful URLA Compliance resource articles and blog posts.
- URLA Resource Center
- Redesigned Uniform Residential Loan Application
- Compliance News: New URLA Implementation Timeline
- Recent Changes: Know Before You Owe Proposal and New Uniform Residential Loan Application
- 1003 Demographic Information Addendum
- URLA and Data Collection Model Form Updates
- Updates to New FNMA Form 1003
- New Field Mapping and Configuration Update: Print 1003 Demographic Information Addendum
- ULI on FNMA Form 1003 and Demographic Information Addendum
- FHFA Launches Language Translation Disclosure
- FHFA Outlines Plans for Language Access Support
- Notice to Borrowers about Language (Cx22719)
- 2009 and 2018 versions of FNMA Form 1008/FHLMC Form 1077
- Updated FNMA Form 1008
- FNMA Form 1008 Changes and Updated Second Home Rider
- FNMA Indefinitely Postpones Form 1008 Mandatory Effective Date
- Compliance News: Updated FNMA Form 1008
- FNMA Form 1008 Usage Change and Relaxed Late Charge Requirements
- Fannie Mae Selling Guide Announcement
- 1008 Uniform Underwriting and Transmittal Summary – 12/2018
- Global Mapping and Document Changes: Redesigned URLA and UUTS
- Document Updates
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