In response to customer inquiries, DocMagic, Inc.'s Compliance Department has prepared a Tangible Net Benefit Matrix that shows for each state, plus the District of Columbia: (1) whether a creditor is required to determine a tangible net benefit to the borrower; (2) whether the creditor must provide the borrower with a tangible net benefit worksheet; (3) whether any applicable tangible net benefit law applies to the occupancy status of the borrower; (4) the applicable citations to the governing law; and (5) notes regarding the specific tangible net benefit law. 

Here is the matrix: Tangible Net Benefit Matrix.