--- title: Compliance Docutech | Fred Gooch (15) description: Compliance Docutech (15) --- - Solutions - [Overview](https://docutech.com/solutions/) - [Document Solutions](https://docutech.com/solutions/document-solutions) - [eClosing](https://docutech.com/solutions/eclosing/) - [Document Generation](https://docutech.com/solutions/document-generation) - [Fulfillment](https://docutech.com/solutions/solutions-fulfillment) - Resources - [Overview](https://docutech.com/resources/) - [Solution Briefs](https://docutech.com/resources/solution-briefs) - [Request a Demo](https://docutech.com/docutech-request-a-demo) - [Compliance](https://docutech.com/resources/compliance) - [Blog](https://blog.docutech.com) - Partners - [Overview](https://docutech.com/partners/) - About Us - [Overview](https://docutech.com/about-us/) - [Contact Us](https://docutech.com/about-us/contact-us) - Let's Talk - Solutions - [Overview](https://www.docutech.com/solutions?hsLang=en) - [Document Solutions](https://www.docutech.com/solutions/document-solutions?hsLang=en) - [eClosing](https://www.docutech.com/solutions/eclosing?hsLang=en) - [Document Generation](https://www.docutech.com/solutions/document-generation?hsLang=en) - [Fulfillment](https://www.docutech.com/solutions/solutions-fulfillment?hsLang=en) - Resources - [Overview](https://www.docutech.com/resources?hsLang=en) - [Solution Briefs](https://www.docutech.com/resources/solution-briefs?hsLang=en) - [Request a Demo](https://www.docutech.com/docutech-request-a-demo?hsLang=en) - [Compliance](https://www.docutech.com/resources/compliance?hsLang=en) - [Blog](https://blog.docutech.com/) - Partners - [Overview](https://www.docutech.com/partners?hsLang=en) - About Us - [Overview](https://www.docutech.com/about-us?hsLang=en) - [Contact Us](https://www.docutech.com/about-us/contact-us?hsLang=en) Stay ahead with trusted industry insights and compliance updates. 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: 0, "description" : "", "id" : 193004314659, "label" : "State", "language" : null, "lastUsed" : 1753132167000, "livePosts" : 2, "name" : "State", "portalId" : 8616779, "publicUrl" : null, "publicUrls" : null, "slug" : "state", "status" : "active", "totalPosts" : null, "translatedFromId" : null, "translations" : { }, "updated" : 0 }) State ## Document Updates: MI Lock-in Agreement (Cx17192) Nov 5, 2025 MI Lock-In Agreement (Cx17192) is provided in compliance with Mich. Comp. Laws Ann. § 445.1673(2), which requires that interest rate guarantee ... Topics: [Document Updates](https://compliance.docutech.com/tag/document-updates) [Read More](https://compliance.docutech.com/document-updates-mi-lock-in-agreement-cx17192) ## Document Updates: Renovation Contract (Cx22293) Oct 31, 2025 Following an internal audit, we have made a slight adjustment to Renovation Contract (Cx22293). Article 2, Contract Time, of the FNMA Multistate ... Topics: [Document Updates](https://compliance.docutech.com/tag/document-updates) [Read More](https://compliance.docutech.com/document-updates-renovation-contract-cx22293) ## Document Updates: 2025 Graphs for Credit Score Disclosure – A-3/H-3 (Cx15312) Oct 30, 2025 Cx15312 is a duplicate of the Model A-3/H-3 Form provided by the Federal Trade Commission, Federal Reserve Board, and Consumer Financial Protection ... Topics: [Document Updates](https://compliance.docutech.com/tag/document-updates) [Read More](https://compliance.docutech.com/document-updates-2025-graphs-for-credit-score-disclosure-a-3/h-3-cx15312) ## Document Updates: Nonrecurring Intangible Tax Language Added to Florida Security Instruments Oct 29, 2025 The Fannie Mae Instructions to Form 3010 (Florida Uniform Instrument) have been updated to allow for nonrecurring intangible taxes verbiage. ... Topics: [Document Updates](https://compliance.docutech.com/tag/document-updates) [Read More](https://compliance.docutech.com/document-updates-nonrecurring-intangible-tax-language-added-to-florida-security-instruments) ## Document Updates: Louisiana HELOC Mortgage (Cx1356) Oct 29, 2025 Per LSA-C.C. Art. 3352(4), only “the municipal number or postal address of the property, if it has one” is required for recording, which is why ... [Read More](https://compliance.docutech.com/document-updates-louisiana-heloc-mortgage-cx1356) ## Document Updates: Retirement of Cx12874 “CO Reason for Loan” Form – Colorado Rule Update Oct 28, 2025 On July 16, 2025, the Colorado Board of Mortgage Loan Originators held a Regular Meeting and Rule-Making Hearing regarding Chapter 5: Professional ... [Read More](https://compliance.docutech.com/document-update-retirement-of-cx12874-co-reason-for-loan-form-colorado-rule-update) ## Global Mapping Update: Closing Disclosure Total of Payments for Forgivable Loans with No Payments Oct 22, 2025 ConformX provides an option to not disclose a final payment of the loan amount for forgivable loans with no monthly loan payments. ConformX now ... Topics: [Document Updates](https://compliance.docutech.com/tag/document-updates), [Closing Disclosure](https://compliance.docutech.com/tag/closing-disclosure) [Read More](https://compliance.docutech.com/global-mapping-update-closing-disclosure-total-of-payments-for-forgivable-loans-with-no-payments) ## Document Updates: Checkbox Logic Update for Oregon Escrow Account Option Notice (Cx2775) Oct 21, 2025 We have updated the “Required Escrow Account” checkbox logic on our Oregon Escrow Account Option Notice (Cx2775) to improve the function of the form. ... Topics: [Document Updates](https://compliance.docutech.com/tag/document-updates) [Read More](https://compliance.docutech.com/document-updates-checkbox-logic-update-for-oregon-escrow-account-option-notice-cx2775) ## Document Updates: “Mo.” Abbreviation and ARM Construction to Perm Loans on the LE/CD (Cx18565 and Cx18566) Oct 20, 2025 Construction to Permanent ARM Loans Topics: [Document Updates](https://compliance.docutech.com/tag/document-updates) [Read More](https://compliance.docutech.com/document-updates-mo.-abbreviation-and-arm-construction-to-perm-loans-on-the-le/cd-cx18565-and-cx18566) 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. ![eSign eClose Icon](https://17501.fs1.hubspotusercontent-na1.net/hubfs/17501/Docutech/icon_matrices.svg) ### Matrices Access our compliance matrices. The information provided on these pages was accurate and current as of the original date of publication. - [Cooperative Matrix](https://17501.fs1.hubspotusercontent-na1.net/hubfs/17501/Docutech/PDFs/Cooperative_matrix.v.4.pdf) - [State Disclosure Matrix](https://17501.fs1.hubspotusercontent-na1.net/hubfs/17501/Docutech/PDFs/State_Disclosures_Matrix_v1.xlsx) - [Federal Disclosure Matrix](https://17501.fs1.hubspotusercontent-na1.net/hubfs/17501/Docutech/PDFs/Federal_Matrix.v.5.pdf) - [FHA Disclosure Matrix](https://17501.fs1.hubspotusercontent-na1.net/hubfs/17501/Docutech/PDFs/FHA_Matrix.v.3.pdf) - [FNMA-FHLMC Matrix](https://17501.fs1.hubspotusercontent-na1.net/hubfs/17501/Docutech/PDFs/FNMA-FHLMC_matrix.v.2.pdf) - [Foreign Language Disclosure Matrix](https://17501.fs1.hubspotusercontent-na1.net/hubfs/17501/Docutech/PDFs/Foreign_language_matrix.v.5.pdf) - [Late Fee Matrix](https://17501.fs1.hubspotusercontent-na1.net/hubfs/17501/Docutech/PDFs/Late_Fee_Matrix.v.5.pdf) - [Late Fee ConformX® Matrix](https://17501.fs1.hubspotusercontent-na1.net/hubfs/17501/Docutech/PDFs/Late_fee_ConformX_Matrix.v.4.pdf) - [Net Tangible Benefit Matrix](https://17501.fs1.hubspotusercontent-na1.net/hubfs/17501/Docutech/PDFs/Net_Tangible_Benefits.V.3.pdf) - [Notary Form Acknowledgement](https://17501.fs1.hubspotusercontent-na1.net/hubfs/17501/Docutech/PDFs/Notary_Matrix.v.4.pdf) - [Prepayment Penalty Matrix](https://17501.fs1.hubspotusercontent-na1.net/hubfs/17501/Docutech/PDFs/prepayment_penalty_matrix.v.5.pdf) - [Recordable Instruments Matrix](https://compliance.docutech.com/hubfs/DT/compliance-matrix/Recordable%20Instruments%20Matrix%202022.7.pdf) - [USDA Matrix](https://compliance.docutech.com/hubfs/DT/compliance-matrix/USDA%20Matrix%2020.08.pdf) - [VA Matrix](https://17501.fs1.hubspotusercontent-na1.net/hubfs/17501/Docutech/PDFs/VA_Matrix.v.2.pdf) ![eSign eClose Icon](https://17501.fs1.hubspotusercontent-na1.net/hubfs/17501/Docutech/icon_disclosure.svg) ### TRID Center Expand your knowledge and understanding of TRID 1.0 and 2.0 with these TRID resources. The information provided on these pages was accurate and current as of the original date of publication. - [TRID 2.0 Updates: Closing Disclosure (Cx18566) and Spanish Closing Disclosure (Cx18991) – Principal Reduction Verbiage](https://compliance.docutech.com/2018/08/22/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](https://compliance.docutech.com/2018/08/20/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](https://compliance.docutech.com/2018/08/20/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.](https://compliance.docutech.com/2018/08/13/trid-2-0-updates-closing-dislcosure-cx18566-and-spanish-closing-disclosure-cx18991-changing-prepaid-interest-from-0-to-0-00/) - [TRID 2.0 Updates: Post-Consummation Construction Fees](https://compliance.docutech.com/2018/06/27/trid-2-0-updates-post-consummation-construction-fees/) - [TRID 2.0 Updates: Prepaid Interest, Payoffs and Payments, and Monthly Escrow Payment Changes](https://compliance.docutech.com/2018/06/27/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](https://compliance.docutech.com/2018/05/24/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](https://compliance.docutech.com/2018/05/24/system-doc-updates-promissory-notes-integrated-disclosures-and-land-trusts/) - [Document Updates: DC Lock-In Agreement (Cx10455)](https://compliance.docutech.com/2018/05/21/document-updates-dc-lock-in-agreement-cx10455/) - [TRID 2.0 and Construction Loans](https://compliance.docutech.com/2018/04/17/trid-2-0-and-construction-loans/) - [TRID 2.0 Change: Excluding NPEs from “Borrower” on the Closing Disclosure](https://compliance.docutech.com/2018/03/27/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](https://compliance.docutech.com/2018/03/19/document-updates-loan-estimate-cx18565-and-closing-disclosure-cx18566-for-construction-to-permanent/) - [TRID 2.0 – What Differs from the Proposed Version](https://compliance.docutech.com/2017/07/14/trid-2-0-differs-proposed-version/) ![eSign eClose Icon](https://17501.fs1.hubspotusercontent-na1.net/hubfs/17501/Docutech/icon_resources.svg) ### URLA Resources View helpful URLA Compliance resource articles and blog posts.     The information provided on these pages was accurate and current as of the original date of publication. - [URLA Resource Center](https://compliance.docutech.com/urla-resource-center/) - [Redesigned Uniform Residential Loan Application](https://compliance.docutech.com/2020/07/28/document-updates-redesigned-uniform-residential-loan-application-cx20667/) - [Compliance News: New URLA Implementation Timeline](https://compliance.docutech.com/2020/04/14/compliance-news-fnma-and-fhlmc-announce-new-urla-implementation-timeline/) - [Recent Changes: Know Before You Owe Proposal and New Uniform Residential Loan Application](https://compliance.docutech.com/2016/10/05/recent-changes-kbyo-proposal-and-new-urla/) - [1003 Demographic Information Addendum](https://compliance.docutech.com/2016/12/02/new-document-1003-demographic-information-addendum-cx20787/) - [URLA and Data Collection Model Form Updates](https://compliance.docutech.com/2017/09/27/compliance-news-urla-and-data-collection-model-form-updates/) - [Updates to New FNMA Form 1003](https://compliance.docutech.com/2017/12/19/11898-2/) - [New Field Mapping and Configuration Update: Print 1003 Demographic Information Addendum](https://compliance.docutech.com/2017/12/13/new-field-mapping-configuration-update-print-1003-demographic-information-addendum/) - [ULI on FNMA Form 1003 and Demographic Information Addendum](https://compliance.docutech.com/2017/12/28/document-updates-uli-fnma-form-1003-demographic-information-addendum/) - [FHFA Launches Language Translation Disclosure](https://compliance.docutech.com/2018/10/15/compliance-news-fhfa-launches-language-translation-disclosure/) - [FHFA Outlines Plans for Language Access Support](https://compliance.docutech.com/2018/05/10/compliance-news-fhfa-outlines-plans-for-language-access-support/) - [Notice to Borrowers about Language (Cx22719)](https://compliance.docutech.com/author/fred-gooch/page/compliance.docutech.com/2018/10/25/new-document-notice-to-borrowers-about-language-cx22719/) - [2009 and 2018 versions of FNMA Form 1008/FHLMC Form 1077](https://compliance.docutech.com/2020/06/08/announcement-concerning-2009-and-2018-versions-of-fnma-form-1008-fhlmc-form-1077/) - [Updated FNMA Form 1008](https://compliance.docutech.com/2018/12/05/compliance-news-updated-fnma-form-1008/) - [FNMA Form 1008 Changes and Updated Second Home Rider](https://compliance.docutech.com/2019/04/03/compliance-news-more-fnma-form-1008-changes-and-updated-second-home-rider/) - [FNMA Indefinitely Postpones Form 1008 Mandatory Effective Date](https://compliance.docutech.com/2019/10/09/compliance-news-fnma-indefinitely-postpones-form-1008-mandatory-effective-date/) - [Compliance News: Updated FNMA Form 1008](https://compliance.docutech.com/2018/12/05/compliance-news-updated-fnma-form-1008/) - [FNMA Form 1008 Usage Change and Relaxed Late Charge Requirements](https://compliance.docutech.com/2020/06/03/compliance-news-fnma-form-1008-usage-change-and-relaxed-late-charge-requirements/) - [Fannie Mae Selling Guide Announcement](https://singlefamily.fanniemae.com/media/22986/display) - [1008 Uniform Underwriting and Transmittal Summary – 12/2018](https://compliance.docutech.com/2019/03/09/new-document-1008-uniform-underwriting-and-transmittal-summary-12-2018-cx22822/) - [Global Mapping and Document Changes: Redesigned URLA and UUTS](https://compliance.docutech.com/2019/06/10/global-mapping-and-document-changes-redesigned-urla-and-uuts/) - [Document Updates](https://compliance.docutech.com/tag/document-updates/) Subscribe and get the latest information on the state of the digital mortgage and eClosing evolution, regulatory compliance, industry trends, upcoming events, and more. Subscribe Close #### Docutech Blog Subscriptions Close #### Let's Talk Solutions - [Overview](https://docutech.com/solutions/) - [Document Solutions](https://docutech.com/solutions/document-solutions) - [eClosing](https://docutech.com/solutions/eclosing/) - [Document Generation](https://docutech.com/solutions/document-generation) - [Fulfillment](https://docutech.com/solutions/solutions-fulfillment) Resources - [Overview](https://docutech.com/resources/) - [Solution Briefs](https://docutech.com/resources/solution-briefs) - [Request a Demo](https://docutech.com/docutech-request-a-demo) - [Compliance](https://docutech.com/resources/compliance) - [Blog](https://blog.docutech.com) Partners - [Overview](https://docutech.com/partners/) About Us - [Overview](https://docutech.com/about-us/) - [Contact Us](https://docutech.com/about-us/contact-us) Connect - 1795 International Way Idaho Falls, ID 83402 - Toll Free  [800-497-3584](tel:+8004973584) - Office  [208-715-3186](tel:+2087153186) - Support  [Send a Message](https://docutech.atlassian.net/servicedesk/customer/user/login?destination=portals) --- - [Privacy Policy](https://www.firstam.com/privacy-policy/) - [Accessibility](https://www.firstam.com/accessibility/) - [Terms of Use](https://www.firstam.com/terms-of-use/) --- ©2023 First American Mortgage Solutions, LLC. 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