Disclosures

Pipeline Disclosures

Fed/ State	Description	DocMagic Package Type	Lender Broker	Governing Law	Rules	Format Name	Signature Selection	Action Required	Scheduled Implementation	Regulation Effective
FED	MERS Address Change	N/A	N/A	MERS Policy Bulletin Number 2010-2	The MERS street address on all recorded documents will be changed.	MERS Security Instruments	N/A	YES	2010-12-06	2010-12-06
GA	Georgia Department of Banking and Finance Adopts Final Rules	N/A	N/A	Georgia Administrative Procedures Act, Official Code of Georgia Annotated	No further action or disclosures required.		N/A	NO	2010-11-22	2010-11-22
MD	Required Notice of Housing Counseling Programs and Services	Closing, Initial	Broker, Lender	HB 1399	1st Mortgage, Owner Occupied	MDRNHCP.MSC	Co-Signer, Individual, Officer	YES	2010-12-15	2011-01-01
ND	Amends Provisions Regarding Surety Bond Requirements	N/A	N/A	SB 2124	No further action or disclosures required.	N/A	N/A	NO
NE	Amends Recording Requirements	N/A	N/A	LB 254	The top margin on page one has been updated to three inches	All Recordable Documents	N/A	YES	2011-05-27	2011-09-08
NY	Bill of Rights for Residential Mortgage Applicants	TBD	TBD	NY AB 10502	Requires licensed lenders and banking organizations to provide prospective applicants for a residential mortgage loan with a pamphlet entitled "The Mortgage Applicant's Bill of Rights."	TBD	TBD	YES
VA2	Itemization of Fees Constituting Our Origination Charge, Credits and Title Services and Lender's Title Insurance	Closing	Lender	VA Circular 26-10-09; Change 1; 26-10-1	Add breakout of title services and lender's title insurance; Effective for loan applications taken on or after October 1, 2010.	IFOST.MSC	Individual, Officer	YES	2010-08-25	2010-10-01

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