№ lp_1_18273
File format: docx
Character count: 11059
File size: 35 KB
This document outlines modifications required by lenders to ensure compliance with the Truth in Lending Act, detailing the necessary and optional revisions to the Deed of Trust form, including updates for mortgage loan originator information, acknowledgment procedures, and cross-references.
Type of Instrument:
Deed of Trust
Instrument Revision Date:
07/2021
Instrument Last Modified:
N/A
Instruction Page Last Modified:
10/2024 (Authorized Change 12 revised)
State:
CA
Lien Type:
First
Product Type:
All
Property Type:
All, except cooperatives
Occupancy Type:
All
Authorized Changes:
Lenders may add legends, initials, acknowledgment, cross-references, etc.
Author:
N/A
Target Audience:
Lenders and mortgage professionals
Period of Action:
Ongoing
Approval Date:
N/A
Date of Changes:
10/2024
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The product description is provided for reference. Actual content and formatting may differ slightly.
Year:
2024
Region / City:
Global
Topic:
RCS Test Cases
Document Type:
Non-binding Permanent Reference Document
Organization / Institution:
GSMA
Author:
GSM Association
Target Audience:
Industry professionals, certification bodies (e.g., GCF/PTCRB)
Period of validity:
Not specified
Approval Date:
January 2024
Date of Changes:
Not specified
Classification:
Non-confidential
Security Classification:
Restricted access to authorized individuals
Copyright:
Copyright © 2024 GSM Association
Scope:
RCS Universal Profile features, field testing, lab testing, performance testing
Document Classification:
Industry Specification
Test Cases:
P2P, A2P, P2A, Chatbots, Dual SIM devices, Enriched Calling
RCS Universal Profile:
GSMA RCC.71
Testing Requirements:
Test cases for field and lab testing, network configuration parameters
Version:
3.005
Language:
English
Year:
2021
Region / City:
Maryland
Topic:
Mortgage Deed of Trust
Document Type:
Legal Instrument
Authority / Institution:
Fannie Mae, Freddie Mac
Author:
Not specified
Target Audience:
Lenders, Notaries
Period of Effect:
Ongoing
Approval Date:
07/2021
Modification Date:
06/2025, 09/2025
Type of Instrument:
Mortgage - One Hundred Eighty
Instrument Revision Date:
07/2021
Day Redemption:
10/2024 (Authorized Change 12 revised)
Use This Document For:
SD
Lien Type:
First
Product Type:
All
Property Type:
All, except cooperatives
Occupancy Type:
All
Note:
Required Changes
The following changes MUST always be made to this document:
To comply with the requirements of the Truth in Lending Act and Regulation Z (12 C.F.R. § 1026.36(g)), lenders MUST add the name of the mortgage loan originator (LO) and NMLSR ID number for both an organization and individual to the last page of the security instrument.
Year:
2021
Region / City:
South Carolina
Topic:
Mortgage Agreement
Document Type:
Legal Instrument
Organization / Institution:
Fannie Mae/Freddie Mac
Author:
Not specified
Target Audience:
Lenders, Borrowers
Period of validity:
Not specified
Approval Date:
Not specified
Amendment Date:
October 2024
Contextual Description:
Legal document outlining requirements and options for lenders in South Carolina regarding a standard mortgage instrument for single-family properties, including modifications and authorized changes.
Year:
2021
Region / City:
Ohio
Topic:
Mortgage
Document Type:
Uniform Instrument
Author:
Fannie Mae/Freddie Mac
Target Audience:
Lenders, Mortgage Professionals
Effective Period:
Not specified
Approval Date:
Not specified
Date of Changes:
10/2024
Contextual Description:
Document providing a standard uniform mortgage instrument with specific requirements and changes for lenders in Ohio.
Form number:
3034
Type of instrument:
Deed of Trust
Uniform instrument program:
Fannie Mae/Freddie Mac
State:
North Carolina
Property type:
Single-family residential
Lien type:
First lien
Product type:
All
Occupancy type:
All
Original revision date:
07/2021
Instrument last modified:
10/2024
Authorized changes referenced:
Change 12, Change 13
Applicable law references:
Truth in Lending Act; Regulation Z (12 C.F.R. § 1026.36(g))
Permitted parties:
Lender, Borrower, MERS
Filing formats referenced:
Master Form, Short Form
Intended use context:
Mortgage loan security instrument
Year:
2021
Region / City:
Hawaii
Theme:
Mortgage, Lending Regulations
Document Type:
Legal Instrument
Organization / Institution:
Fannie Mae, Freddie Mac
Author:
Not specified
Target Audience:
Lenders, Mortgage Originators
Effective Period:
Not specified
Approval Date:
Not specified
Date of Changes:
10/2024
Year:
2021
Region / City:
Arkansas
Topic:
Mortgage, Legal Instruments
Document Type:
Mortgage Agreement
Institution:
Fannie Mae, Freddie Mac
Author:
Not specified
Target Audience:
Lenders, Borrowers
Effective Period:
N/A
Approval Date:
N/A
Modification Date:
02/2022 (Authorized Change 6(d) revised), 10/2024 (Authorized Change 12 added)
Year:
2021
State:
Arizona
Document Type:
Deed of Trust
Lien Type:
First
Product Type:
All
Property Type:
All, except cooperatives
Occupancy Type:
All
Note:
Required Changes
Year:
2021
Region / City:
Alabama
Subject:
Mortgage, Real Estate Law
Document Type:
Legal Instrument
Issuing Organization:
Fannie Mae, Freddie Mac
Author:
Not specified
Target Audience:
Lenders, Mortgage Professionals
Effective Period:
N/A
Approval Date:
07/2021
Modification Date:
02/2022, 10/2024
Year:
2024
Region / City:
Virginia
Topic:
Mortgage Loan Document
Document Type:
Note
Organ / Institution:
Fannie Mae/Freddie Mac
Author:
Not specified
Target Audience:
Lenders, Mortgage Loan Originators
Effective Period:
N/A
Approval Date:
May 2024
Date of Changes:
N/A
Contextual Description:
Legal document detailing the terms and conditions of a mortgage loan, with specific instructions for lenders to ensure compliance with applicable laws and regulations, including modifications allowed or required.
Year:
2021
State:
Wisconsin
Product Type:
Mortgage
Property Type:
Single Family
Occupancy Type:
All
Lien Type:
First
Authorized Changes:
Must and Optional
Required Changes:
Compliance with Truth in Lending Act, Regulation Z
Date of Changes:
10/2024
Type of Instrument:
Mortgage
Modification Date:
07/2021
Date of Last Modification:
10/2024
Loan Originator Information:
Required
Acknowledgment Changes:
Optional
Year:
2021
Region / City:
West Virginia
Theme:
Mortgage Documentation
Document Type:
Legal Instrument
Authority / Organization:
Fannie Mae/Freddie Mac
Target Audience:
Lenders, Borrowers
Effective Period:
N/A
Approval Date:
07/2021
Modification Date:
10/2024
Additional Changes:
Authorized Changes, Required Changes
Mortgage DocumentsWashington - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (Form 3048)
Year:
2021
Region / City:
WA
Topic:
Mortgage Documents
Document Type:
Legal Instrument
Organization / Institution:
Fannie Mae/Freddie Mac
Author:
Not specified
Target Audience:
Lenders, Mortgage Professionals
Period of Action:
Not specified
Approval Date:
Not specified
Date of Changes:
09/2022, 11/2021, 10/2024
Instrument Revision Date:
07/2021
Instrument Last Modified:
11/2022 (Authorized Change 6(b) revised)
Instruction Page Last Modified:
10/2024 (Authorized Change 12 revised)
Use This Document For:
PA, First, All, All, except cooperatives, All
Note:
Required Changes
Form number:
3037
Document title:
Uniform Instrument
State:
Oklahoma
Property type:
Single family
Lien type:
First lien
Product type:
All
Occupancy type:
All
Applicable entities:
Fannie Mae, Freddie Mac
Instrument type:
Mortgage
Instrument revision date:
07/2021
Instruction page last modified:
10/2024
Authorized change reference:
Authorized Change 12 revised
Governing law references:
Truth in Lending Act; Regulation Z (12 C.F.R. § 1026.36(g))
Permitted modifications:
Authorized lender changes
Required modifications:
Mortgage loan originator name and NMLSR ID
Optional inclusions:
MERS designation; Purchase Money language; riders and acknowledgments
Intended users:
Lenders
Document category:
Mortgage security instrument instructions