DocMagic, Inc.'s Compliance Department has created a Lock-In Agreement (MTLIA.MSC), Prepayment Penalty Disclosure (MTPPD.MSC) and Loan Commitment (MTLC.MSC) pursuant to HB 69, which enacted the new Montana Residential Mortgage Lender Licensing Act, Mont. Code Ann. §§ 32-10-101 et seq. The law became effective October 1, 2008, but, due to a grammatical oversight, the law applies to mortgage loans made on or after October 2, 2008.  These new disclosures will select if the secured property is located in Montana, the property type is not multifamily, commercial, or land & lots and occupancy status is owner-occupied, regardless of lien status.