Stay ahead with trusted industry insights and compliance updates.
Compliance News: New York “What Mortgage Applicants Need To Know” Pamphlet
Dec 20, 2024
On December 13, 2024, New York Governor Kathy Hochul signed Assembly Bill A9686 which enacts NY Banking Law § 35 which contains a new requirement for ...
Topics: In the News
Document Updates: New NY Flood Insurance Disclosure (Cx28044)
Dec 20, 2024
On December 13, 2024, New York Governor Kathy Hochul signed Assembly Bill A5073A which immediately enacted NY Real Property Law § 283 which contains ...
Topics: Document Updates
Document Updates: New Texas Correspondence Disclosure (Cx28042)
Dec 20, 2024
On November 23, 2024, Texas Department of Savings and Mortgage Lending adopted various new rules. See blog posts here and here. One of the new ...
Topics: Compliance Resources
Global Data Integrity Check and Document Updates: Puerto Rico
Dec 19, 2024
ConformX supports the Puerto Rico Uniform Instruments posted by FNMA/FHLMC. Several updates have been made to these documents.
Topics: Document Updates
Document Updates: Cx2797 CA Consumer Caution and Home Ownership Counseling Notice
Dec 17, 2024
Our California Consumer Caution and Home Ownership Counseling Notice (Cx2797) is given pursuant to Cal. Fin. Code §4973(k) which requires a “Consumer ...
Topics: Document Updates
Font Size Change For Various Texas Disclosures
Dec 17, 2024
Texas has updated its document requirements for various disclosures to require at least 12 point font starting January 1, 2025. See 7 TAC § 55.3, 7 ...
Topics: Document Updates
Global Mapping Updates: State Funding Type (Field 23043) for Utah
Dec 17, 2024
Global standard value field mappings are used within ConformX to set State Funding Type (FI 23043) as either a “Wet” or “Dry” funding state. ...
Topics: Document Updates
Document Updates: E-Sign on Borrower Initials added to Cx5100 NY Pre-Application Disclosure for Licensed Bankers, Cx3710 Prevailing Interest Rate Commitment, Cx3588 NY Interest Rate Lock Commitment, a
Dec 11, 2024
To improve functionality of the e-sign process, we have added the option to make the borrower initials fields compatible with e-sign on Cx5100 NY ...
Topics: Document Updates
Global Mapping Updates: Fields “Loan Amount Less Than or Equal to Reg Z Threshold Amount” (81938) and “Higher-Risk HPML” (67269) for 2025
Dec 9, 2024
As in previous years, the Consumer Financial Protection Bureau (“CFPB”) has updated a couple of the dollar amounts specified in various parts of ...
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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