Update to threshold loan amount for selection of FTC.MSC and IANTCS.MSC

Annual adjustments for Regulation Z to update loan amount categories and points and fees limits. 

Remove the MISMO-specific version of the VA Loan Analysis form standard selection in favor of the standard version of the form. MISMO-specific mapping is no longer needed to support this form.    

Update loan amount used in selecting FTC.MSC in Iowa to $66,400.  

Year-end update to the loan amount used for applicability of the Pennsylvania Prepayment Penalty restrictions to $301,022. 

Update to the Vermont Declared Rate used in determining if a loan is a Vermont High Rate, High Point Loan. 

Update to postfill to be required on the Intent to Proceed, Acceptance of Loan Estimate form (ITPAGFE.MSC).  Will require borrower to make a selection before signing and not allow borrower to sign without making a selection regarding intent to proceed. 

Update to exclude a Title Only signer from the signatures (and named borrowers) on all standard buydown agreements (TBABP.MSC, TBALP.MSC, TBATPP.MSC, FHABD.LSR, BD2.LSR, BDA.MSC). 

Update to the late fee logic for government plans for construction-to-permanent loans.  Generally will use 4% of the payment.   

Update to application of the NY High Cost test to include subordinate liens otherwise meeting the definition of home loan.