Stay ahead with trusted industry insights and compliance updates.
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 ...
Topics: Document Updates
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 ...
Topics: Document Updates
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 ...
Topics: Document Updates
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 ...
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 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 ...
Topics: Document Updates
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 ...
Topics: Document Updates
Document Updates: Wisconsin Addendum to Loan Application (Cx18412)
Dec 15, 2025
Wis. Stat. § 422.308(1) requires that every application for an open-end credit plan disclose “whether any other charges or fees may be charged, what ...
Topics: Document Updates
Document Updates: List of Homeownership Counseling Organizations (Cx17874)
Dec 5, 2025
After a routine document audit, we have updated two HUD URL links contained in Cx17874 “List of Homeownership Counseling Organizations”.
Topics: Document Updates
Document Updates: HELOC Notice Section Field Updates
Dec 4, 2025
Previously we announced the use of optional beneficiary fields for use on our security instruments notice section. We have made further enhancements ...
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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