Update to the programming of the Interest Rate Lock Agreement (IRLA.MSC) to remove the word “NULL” from the footer. 

Update to the Kentucky Points and Fees audit to include fees paid to an affiliate. 

Update Important Terms of Your Home Equity Line of Credit (USHEITH.HLC, USHEIT5.HLC, USHEIT15.HLC) to the Fees and Charges section to exclude paid to “Other”. 

New model form created, Nebraska Tangible Net Benefit Form (NENTBDF.MSC). 

Previously, the total net income a mortgage loan originator can generate from a residential real estate loan to the greater of $2,000 or 4% of the total loan amount. The statute has been updated so the net income limit applies only to loans where the points and fees exceed the threshold for qualified mortgages “QM” under Reg Z.  

Update to late fee loan amount threshold for 2026 to $73,400.

Update to the programming of the Iowa Permissible Fees audit to include Commitment Fee as an allowable fee paid by borrower to lender. This fee is not included in the 1% limit audit. This audit is a warning. 

Cross Collateral Addendum to the Note (CCATN.MSC) new addendum to the note when there are more than 2 addresses being used for collateral on a single loan. 

Home Equity Revolving Loan Disbursement Schedule (HERLDS.MSC) updated to exclude POC charges. 

Reconsideration of Value Request Form (ROVRF.MSC) updated to make Postfill on checkboxes on page 1 default to off and can only be turned on via FORM.DATA to mimic other Postfill segments.