Compliance Docutech | Fred Gooch

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Document Updates: 2026 HELOC Historical Table on HELOC Important Terms (Cx21651)

Dec 31, 2025

Our standard HELOC Important Terms document (Cx21651) has a table that shows how the Annual Percentage Rate and the minimum monthly payments for a ...

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Document Updates: Texas Home Equity Second Note (Cx6183)

Dec 24, 2025

The late charge section of TX Home Equity Second Note (Cx6183) has been updated to match the second lien late charge logic found on other standard ...

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Document Updates: Creation of New Version of Kentucky Fair Housing Disclosure (Cx28723) & Retirement of Old Version (Cx11145)

Dec 23, 2025

104 Ky. Admin. Regs. §1:010(4) states:

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Document Updates: Interest Rate on LA Mortgage Second (Cx485) and ND Mortgage Second (Cx495)

Dec 17, 2025

We have updated the Cx485 Louisiana Mortgage Second and Cx495 North Dakota Mortgage Second to remove references to the specific amount of interest on ...

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Document Updates: Retirement of Texas Important Notice to Home Loan Borrowers (Cx3591)

Dec 17, 2025

We have made the decision to retire our Texas High-Cost Loan Disclosure, Cx3591, which is associated with Tex. Fin. Code § 343.102(a). That statute ...

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Document Updates: Montana Anti-Coercion Disclosure (Cx2778)

Dec 16, 2025

On May 5, 2025, Governor Greg Gianforte signed HB 114 into law. This bill added new language in MCA 33-18-501(C) which now requires lenders to ...

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Document Updates: Adding Field 154336 “Broker Doing Business as Other – Description” to Various State Broker Documents (Cx1908, Cx3318, Cx4248, and Cx4828)

Dec 15, 2025

We have made an update to several documents to add the field FI 154336 “Broker Doing Business as Other – Description” as a default option. Previously ...

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Global Mapping Updates: Fields “Loan Amount Less Than or Equal to Reg Z Threshold Amount” (81938) and “Higher-Risk HPML” (67269) for 2026

Dec 15, 2025

As in previous years, the Consumer Financial Protection Bureau (“CFPB”) has updated a couple of the dollar amounts specified in various parts of ...

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Document Update: Buydown Agreement (Cx25)

Dec 15, 2025

Pursuant to FNMA Servicing Guide Announcement SVC-2025-05, servicers are now required to apply available interest rate buydown funds to reduce ...

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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.