E-FORMS Product Update April 2013 To learn more about Wolters Kluwer Financial Services, visit our web site at www.wolterskluwerfs.com. Information on E-Forms is found by typing E-Forms in the Search box. Electronic Forms Support Technical Support 1-800-274-2711, Ext. 1124008 (available from 7 A.M. to 7 P.M.) contentsupport@wolterskluwer.com (Please type E-Forms in the subject line.) Voice mail and e-mail are checked hourly between 8 A.M. and 5 P.M. Central Standard Time. Quotes and Order Information for Custom and OCP E-Forms Please contact your Account Representative. The objective of this monthly product update is to provide a recap of regulatory-driven form changes, form enhancements, and new forms that are being developed. You will receive a description of these changes so that you can plan ahead for implementing them. We believe this service enhances the value of our electronic forms offering while providing the extra level of service you have come to expect from Wolters Kluwer Financial Services Bankers Systems. We welcome your comments, suggestions, or ideas for enhancements to this update. Inside This Issue Lending Glossary of Terminology... Page 10 State-Specific Forms... Page 2 Completed Forms Grid... Page 13 Invoicing 1-800-397-2341, Ext. 1123652 Forms Use and Compliance Questions IRA Forms Questions Real Estate Lending Forms Financial Institutions Other Lending and Deposit Forms Financial Institutions Please have your customer number available when contacting us. Wolters Kluwer Financial Services P.O. Box 1457 St. Cloud, MN 56302-1457 www.wolterskluwerfs.com 1
Lending Electronic Modules COM, CONCU, FCM, GSM, HEM, HIM, LEM, MHM, MVM, REMCU, TPM LENDING STATE-SPECIFIC FORMS Adjustable Rate Notes ADJ-NOTE, ADJNOTELAZAK, ADJ-NOTE-CA, ADJ-NOTE-FL, ADJ-NOTE-LA, ADJ-NOTE-MA, ADJ- NOTE-NH, ADJ-NOTE-NY, ADJ-NOTE-VA, ADJ-NOTE-VT, ADJ-NOTE-WV The forms are being revised to comply with Regulation Z. Regulation Z will now require certain information be included on notes, security instruments, and credit applications. See 12 CFR 1026.36(g). For a closed-end consumer credit transaction secured by a dwelling, the name and NMLSR ID number of the loan originator organization and the individual loan originator with primary responsibility for the origination must be included. The effective date of this new requirement is January 10, 2014. The information is being added to the last page, at the end of the document. This location is being used to help minimize the impact to the rest of the document. Some spacing changes may occur to help fit the new information onto the document. Notes and Agreements CMTG-NOT-LA, CMTG-LA, SA-CMTGN-LA, NS-VSIMVNH, NS-VSIMVLA, NHIVSIRN-TX, NHI-VSI-TX, NS- MH-GA, NS-MH-MO, NS-MH-NY, NS-MH-TX, CLCUNTMV-NH, EXTEND-RE-AR, EXTEND-RE-MS The forms are being revised to comply with Regulation Z. Regulation Z will now require certain information be included on notes, security instruments, and credit applications. See 12 CFR 1026.36(g). For a closed-end consumer credit transaction secured by a dwelling, the name and NMLSR ID number of the loan originator organization and the individual loan originator with primary responsibility for the origination must be included. The effective date of this new requirement is January 10, 2014. The information is being added to the last page, at the end of the document. This location is being used to help minimize the impact to the rest of the document. Some spacing changes may occur to help fit the new information onto the document. Multi-Purpose Note MPN-CU-ID, MPN-CU-IN, MPN-CU-SC, MPN-CU-WY The forms are used for multiple purposes, including consumer purpose transactions secured by a dwelling. The form is being revised to comply with Regulation Z. Regulation Z will now require certain information be included on notes, security instruments, and credit applications. See 12 CFR 1026.36(g). For a closed-end consumer credit transaction secured by a dwelling, the name and NMLSR BSI-JS1-1CS 578301 1/1/07 Wolters Kluwer Financial Services [FORM NUMBER] [JOB NUMBER] [DATE]
E-FORMS Product Update ID number of the loan originator organization and the individual loan originator with primary responsibility for the origination must be included. The effective date of this new requirement is January 10, 2014. The information is being added to the last page, at the end of the document. This location is being used to help minimize the impact to the rest of the document. Some lines may be removed from the chart at the end of the document and other spacing changes may occur to help fit the new information onto the document. To learn more about Wolters Kluwer Financial Services, visit our web site at www.wolterskluwerfs.com. Information on E-Forms is found by typing E-Forms in the Search box. Electronic Forms Support Technical Support 1-800-274-2711, Ext. 1124008 (available from 7 A.M. to 7 P.M.) contentsupport@wolterskluwer.com (Please type E-Forms in the subject line.) Voice mail and e-mail are checked hourly between 8 A.M. and 5 P.M. Central Standard Time. Quotes and Order Information for Custom and OCP E-Forms Please contact your Account Representative. Invoicing 1-800-397-2341, Ext. 1123652 Forms Use and Compliance Questions IRA Forms Questions Real Estate Lending Forms Financial Institutions Other Lending and Deposit Forms Financial Institutions Please have your customer number available when contacting us. Wolters Kluwer Financial Services P.O. Box 1457 St. Cloud, MN 56302-1457 www.wolterskluwerfs.com EXTEND-AR-Loan Extension Agreement This form is used for variety of consumer purpose transactions, including consumer transactions secured by a dwelling. The form is being revised to comply with Regulation Z. Regulation Z will now require certain information be included on notes, security instruments, credit applications, and modifications. See 12 CFR 1026.36(g). For a closed-end consumer credit transaction secured by a dwelling, the name and NMLSR ID number of the loan originator organization and the individual loan originator with primary responsibility for the origination must be included. The effective date of this new requirement is January 10, 2014. The information is being added to the last page, at the end of the document. This location is being used to help minimize the impact to the rest of the document. Some spacing changes may occur to help fit the new information onto the document. PLDG-LA - Pledge Agreement This form is used for a variety of transactions, including consumer purpose transactions secured by a dwelling. The form is being revised to comply with Regulation Z. Regulation Z will now require certain information be included on notes, security instruments, and credit applications. See 12 CFR 1026.36(g). For a closed-end consumer credit transaction secured by a dwelling, the name and NMLSR ID number of the loan originator organization and the individual loan originator with primary responsibility for the origination must be included. The effective date of this new requirement is January 10, 2014. The information is being added to the last page, at the end of the document. This location is being used to help minimize the impact to the rest of the document. Some spacing changes may occur to help fit the new information onto the document. 3
COLL-AMEND Colllateral Amendment Agreement This form is used for a variety of transactions, including consumer purpose transactions secured by a dwelling. The form is being revised to comply with Regulation Z. Regulation Z will now require certain information be included on notes, security instruments, and credit applications. See 12 CFR 1026.36(g). For a closed-end consumer credit transaction secured by a dwelling, the name and NMLSR ID number of the loan originator organization and the individual loan originator with primary responsibility for the origination must be included. The effective date of this new requirement is January 10, 2014. The information is being added to the last page, at the end of the document. This location is being used to help minimize the impact to the rest of the document. Some spacing changes may occur to help fit the new information onto the document. The standard size of this document moving forward will be 8.5x11. Finance Company Simple Interest Note FCSIDNRPD-AK, FCSIDNRPD-AL, FCSIDNRPD-AR, FCSIDNRPD-AZ, FCSIDNRPD-CO, FCSIDNRPD-DC, FCSIDNRPD-DE, FCSIDNRPD-FL, FCSIDNRPD-HI, FCSIDNRPD-IA, FCSIDNRPD-ID, FCSIDNRPD-IL, FCSIDNRPD-IN, FCSIDNRPD-KS, FCSIDNRPD-KY, FCSIDNRPD-LA, FCSIDNRPD-MA, FCSIDNRPD-MD, FCSIDNRPD-ME, FCSIDNRPD-MI, FCSIDNRPD-MN, FCSIDNRPD-MO, FCSIDNRPD-MS, FCSIDNRPD-MT, FCSIDNRPD-NC, FCSIDNRPD-ND, FCSIDNRPD-NE, FCSIDNRPD-NH, FCSIDNRPD-NM, FCSIDNRPD-NV, FCSIDNRPD-NY, FCSIDNRPD-OK, FCSIDNRPD-OR, FCSIDNRPD-PA, FCSIDNRPD-RI, FCSIDNRPD-SC, FCSIDNRPD- SD, FCSIDNRPD-TN, FCSIDNRPD-UT, FCSIDNRPD-VT, FCSIDNRPD-WA, FCSIDNRPD-WI, FCSIDNRPD-WV, FCSIDNRPD-WY These direct lending finance company notes are being revised to comply with Regulation Z changes. Effective January 10, 2014, Regulation Z will require that certain information be included on notes, security instruments, and credit applications. See 12 CFR 1026.36(g). For a closed-end consumer credit transaction secured by a dwelling, the name and NMLSR ID number of (a) the loan originator organization AND (b) the individual loan originator with primary responsibility for the origination must be included. Prompts and fields for the new ID information are being added so that it can be provided when applicable. Creditors may begin using the revised forms and may begin providing the ID information before the January 10, 2014 mandatory compliance date. The changes are only made to the RPD (secured by Real Property or a Dwelling) versions because those transactions secured by a dwelling will require the new disclosures. Our other FC direct notes are NOT designed to be secured by dwellings and do not require the new ID disclosures. The ID information is being added at the bottom of the last page. New data fields will be added. Some spacing and content flow changes may occur. FCSI56DNRPDMN Finance Company Note, disclosure and Security Agreement This direct lending finance company note is being revised to comply with Regulation Z changes. Effective January 10, 2014, Regulation Z will require that certain information be included on notes, BSI-JS1-1CS 578301 1/1/07 Wolters Kluwer Financial Services [FORM NUMBER] [JOB NUMBER] [DATE]
E-FORMS Product Update security instruments, and credit applications. See 12 CFR 1026.36(g). For a closed-end consumer credit transaction secured by a dwelling, the name and NMLSR ID number of (a) the loan originator organization AND (b) the individual loan originator with primary responsibility for the origination must be included. To learn more about Wolters Kluwer Financial Services, visit our web site at www.wolterskluwerfs.com. Information on E-Forms is found by typing E-Forms in the Search box. Electronic Forms Support Technical Support 1-800-274-2711, Ext. 1124008 (available from 7 A.M. to 7 P.M.) contentsupport@wolterskluwer.com (Please type E-Forms in the subject line.) Voice mail and e-mail are checked hourly between 8 A.M. and 5 P.M. Central Standard Time. Quotes and Order Information for Custom and OCP E-Forms Please contact your Account Representative. Invoicing 1-800-397-2341, Ext. 1123652 Forms Use and Compliance Questions IRA Forms Questions Real Estate Lending Forms Financial Institutions Other Lending and Deposit Forms Financial Institutions Please have your customer number available when contacting us. Wolters Kluwer Financial Services P.O. Box 1457 St. Cloud, MN 56302-1457 www.wolterskluwerfs.com Prompts and fields for the new ID information are being added so that it can be provided when applicable. Creditors may begin using the revised form and may begin providing the ID information before the January 10, 2014 mandatory compliance date. The changes are only made to the RPD (secured by Real Property or a Dwelling) version forms because those transactions secured by a dwelling will require the new disclosures. Our other FC direct notes are NOT designed to be secured by dwellings and do not require the new ID disclosures. The ID information is being added at the bottom of the last page. New data fields will be added. Some spacing and content flow changes may occur. Finance Company Note, Disclosure and Security Agreement FCPACDNRPDIL, FCPACDNRPDIN, FCPACDNRPDKY, FCPACDNRPDMO, FCPACDNRPDTN These direct lending finance company notes are being revised to comply with Regulation Z changes. Effective January 10, 2014, Regulation Z will require that certain information be included on notes, security instruments, and credit applications. See 12 CFR 1026.36(g). For a closed-end consumer credit transaction secured by a dwelling, the name and NMLSR ID number of (a) the loan originator organizationand (b) the individual loan originator with primary responsibility for the origination must be included.prompts and fields for the new ID information are being added so that it can be provided when applicable.creditors may begin using the revised forms and may begin providing the ID information before thejanuary 10, 2014 mandatory compliance date. The changes are only made to the RPD (secured by RealProperty or a Dwelling) versions because those transactions secured by a dwelling will require the newdisclosures. Our other FC direct notes are NOT designed to be secured by dwellings and do not requirethe new ID disclosures.eforms the ID information is being added at the bottom of the last page. New data fields will be added.some spacing and content flow changes may occur. Finance Company Simplet Interest Note FCSIMHLAZ-NJ, FC-SI-MH-CT, FC-SI-MH-ND, FC-SI-MH-TX 5
These direct lending finance company notes are being revised to comply with Regulation Z changes. Effective January 10, 2014, Regulation Z will require that certain information be included on notes, security instruments, and credit applications. See 12 CFR 1026.36(g). These forms are designed to be secured by a manufactured home. For a closed-end consumer credit transaction secured by a dwelling, the name and NMLSR ID number of (a) the loan originator organization AND (b) the individual loan originator with primary responsibility for the origination must be included. Prompts and fields for the new ID information are being added so that it can be provided when applicable. Creditors may begin using the revised forms and may begin providing the ID information before the January 10, 2014 mandatory compliance date. The ID information is being added at the bottom of the last page. New data fields will be added. Some spacing and content flow changes may occur. Balloon Loan Modification FHL3293LAZAK,FHL3293LAZAL,FHL3293LAZAR, FHL3293LAZAZ, FHL3293LAZCA, FHL3293LAZCO, FHL3293LAZCT, FHL3293LAZDC,FHL3293LAZDE, FHL3293LAZFL, FHL3293LAZGA, FHL3293LAZHI, FHL3293LAZIA, FHL3293LAZID, FHL3293LAZIL, FHL3293LAZIN, FHL3293LAZKS, FHL3293LAZKY, FHL3293LAZLA, FHL3293LAZMA, FHL3293LAZMD, FHL3293LAZME, FHL3293LAZMI, FHL3293LAZMN, FHL3293LAZMO, FHL3293LAZMS, FHL3293LAZMT, FHL3293LAZNC, FHL3293LAZND,FHL3293LAZNE, FHL3293LAZNH, FHL3293LAZNJ, FHL3293LAZNM, FHL3293LAZNV, FHL3293LAZNY, FHL3293LAZOH, FHL3293LAZOK FHL3293LAZOR FHL3293LAZPA FHL3293LAZRI FHL3293LAZSC FHL3293LAZSD FHL3293LAZTN, FHL3293LAZTX, FHL3293LAZVA, FHL3293LAZVT, FHL3293LAZWA, FHL3293LAZWI, FHL3293LAZWV, FHL3293LAZWY The forms are being revised to comply with Regulation Z. Regulation Z will now require certain information be included on notes, security instruments, and credit applications. See 12 CFR 1026.36(g). For a closed-end consumer credit transaction secured by a dwelling, the name and NMLSR ID number of the loan originator organization and the individual loan originator with primary responsibility for the origination must be included. The effective date of this new requirement is January 10, 2014. The information is being added to the last page, at the end of the document. This location is being used to help minimize the impact to the rest of the document. Some spacing changes may occur to help fit the new information onto the document. Loan Extension Agreement LEA, LEA-KS, LEA-TX The forms are used for variety of consumer purpose transactions, including consumer transactions secured by a dwelling. The form is being revised to comply with Regulation Z. Regulation Z will now require certain information be included on notes, securityinstruments, credit applications, and modifications. See 12 CFR 1026.36(g). For a closed-end consumer credit transaction secured by a dwelling, the name and NMLSR ID number of the loan originator organization and the individual loan BSI-JS1-1CS 578301 1/1/07 Wolters Kluwer Financial Services [FORM NUMBER] [JOB NUMBER] [DATE]
E-FORMS Product Update originator with primary responsibility for the origination must be included. The effective date of this new requirement is January 10, 2014. The information is being added to the last page, at the end of the document. This location is being used to help minimize the impact to the rest of the document. Some spacing changes may occur to help fit the new information onto the document. Real Estate Mortgage Modification To learn more about Wolters Kluwer Financial Services, visit our web site at www.wolterskluwerfs.com. Information on E-Forms is found by typing E-Forms in the Search box. Electronic Forms Support Technical Support 1-800-274-2711, Ext. 1124008 (available from 7 A.M. to 7 P.M.) contentsupport@wolterskluwer.com (Please type E-Forms in the subject line.) Voice mail and e-mail are checked hourly between 8 A.M. and 5 P.M. Central Standard Time. Quotes and Order Information for Custom and OCP E-Forms Please contact your Account Representative. Invoicing 1-800-397-2341, Ext. 1123652 Forms Use and Compliance Questions IRA Forms Questions Real Estate Lending Forms Financial Institutions Other Lending and Deposit Forms Financial Institutions Please have your customer number available when contacting us. Wolters Kluwer Financial Services P.O. Box 1457 St. Cloud, MN 56302-1457 www.wolterskluwerfs.com MMOD-AK, MMOD-AL, MMOD-AR, MMOD-AZ, MMOD-CA, MMOD-CO, MMOD-CT, MMOD-DC, MMOD-DE, MMOD-DT-MT, MMOD-DT-NM, MMOD-FL, MMOD-GA, MMOD-HI, MMOD-IA, MMOD-ID, MMOD-IL, MMOD-IN, MMOD-KS, MMOD- KY, MMOD- LA, MMOD- MA, MMOD-MD, MMOD-ME, MMOD-MI, MMOD-MN, MMOD-MO, MMOD-MS, MMOD-MTG-MT, MMOD-MTG-NM, MMOD-NC, MMOD-ND, MMOD-NE, MMOD-NH, MMOD-NJ, MMOD-NV, MMOD-NY, MMOD-OH, MMOD-OK, MMOD-OR, MMOD-PA, MMOD-RI, MMOD-SC, MMOD-SD, MMOD-TN, MMOD-TX, MMOD-UT, MMOD-VA, MMOD- VT, MMOD-WA, MMOD-WI, MMOD-WV, MMOD-WY The forms are being revised to comply with Regulation Z. Regulation Z will now require certain information be included on notes, security instruments, and credit applications. See 12 CFR 1026.36(g). For a closed-end consumer credit transaction secured by a dwelling, the name and NMLSR ID number of the loan originator organization and the individual loan originator with primary responsibility for the origination must be included. The effective date of this new requirement is January 10, 2014. The information is being added to the last page, above the tagline. This location is being used to help minimize the impact to the rest of the document. Some spacing changes may occur to help fit the new information onto the document. The page may have increased by 1 page on some documents. Multi-Purpsoe Fixed Rate Note MPFR-MN, MPFRMNLAZ-AK, MPFR-MN-FL, MPFR-MN-LA, MPFR-MN-NH, MPFR-MN-VA, MPFR-MN-VT, MPFR-MN-WV The forms are being revised to comply with Regulation Z. Regulation Z will now require certain information be included on notes, security instruments, and credit applications. See 12 CFR 1026.36(g). For a closed-end consumer credit transaction secured by a dwelling, the name and NMLSR ID number of the loan originator organization and the individual loan originator with primary responsibility for the origination must be included. The effective date of this new requirement is January 10, 2014. 7
The information is being added to the last page, at the end of the document. This location is being used to help minimize the impact to the rest of the document. Some spacing changes may occur to help fit the new information onto the document. Real Estate Notes REN-1-TX, REN1-WI, REN3A-TX, REN-CO, REN-DC, REN-FL, REN-IA, REN-ID, REN-IN, REN-KS, REN- LA, REN-MD, REN-ME, REN-ND, REN-NJ, REN-NY, REN-OK, REN-PA, REN-RI, REN-SC, REN-UT, REN- WI, REN-WV, REN-WY The forms are being revised to comply with Regulation Z. Regulation Z will now require certain information be included on notes, security instruments, and credit applications. See 12 CFR 1026.36(g). For a closed-end consumer credit transaction secured by a dwelling, the name and NMLSR ID number of the loan originator organization and the individual loan originator with primary responsibility for the origination must be included. The effective date of this new requirement is January 10, 2014. The information is being added to the last page, above the tagline. This location is being used to help minimize the impact to the rest of the document. Some spacing changes may occur to help fit the new information onto the document. In an effort to simplify our standard E-Forms offering, we are changing the standard size of this document from 14 to 11. Real Estate Deed of Trust RE-DT-LAZ-AK, RE-DT-AZ, RE-DT-CA, RE-DT-CO, RE-DT-DC, RE-DSD-GA, RE-DT-ID, RE-DT-MD, RE-DT-MO, RE-DT-MS, RE-DT-MT, RE-DT-NC, RE-DT-NE, RE-DT-NV, RE-DT-OR, RE-DT-TN, RE-HEDT1-TX, RE-HEDT3A-TX, RE-DT-TX, RE-DT-UT, RE-DT-VA, RE-DT-WA, RE-DT-WV, RE-MTG-AL, RE-MTG-AR, RE-MTG-CT, RE-MTG-DE, RE-MTG-FL, RE-MTG-IA, RE-MTG-IL, RE-MTG-IN,RE-MTG-KS, RE-MTG-KY, RE-MTG-LA, RE-MTGLAZ-HI, RE-MTG-MA, RE-MTG-ME, RE-MTG-MI, RE-MTG-MN, RE-MTG-MT, RE-MTG-ND, RE-MTG-NH, RE-MTG-NJ, RE-MTG-NM, RE-MTG-NY,RE-MTG-OH, RE-MTG-OK, RE-MTG-PA, RE-MTG-RI, RE-MTG-SC, RE-MTG-SD, RE-MTG-VT, RE-MTG-WI, RE-MTG1-WI, RE-MTG-WY, RE-MTGSA-MA, RE-SFDT-NE The forms are being revised to comply with Regulation Z. Regulation Z will now require certain information be included on notes, security instruments, and credit applications. See 12 CFR 1026.36(g). For a closed-end consumer credit transaction secured by a dwelling, the name and NMLSR ID number of the loan originator organization and the individual loan originator with primary responsibility for the origination must be included. The effective date of this new requirement is January 10, 2014. The information is being added to the last page, above the tagline. This location is being used to help minimize the impact to the rest of the document. Some spacing changes may occur to help fit the new information onto the document. BSI-JS1-1CS 578301 1/1/07 Wolters Kluwer Financial Services [FORM NUMBER] [JOB NUMBER] [DATE]
E-FORMS Product Update Manufactured Home Retail Installment Contract To learn more about Wolters Kluwer Financial Services, visit our web site at www.wolterskluwerfs.com. Information on E-Forms is found by typing E-Forms in the Search box. Electronic Forms Support Technical Support 1-800-274-2711, Ext. 1124008 (available from 7 A.M. to 7 P.M.) contentsupport@wolterskluwer.com (Please type E-Forms in the subject line.) Voice mail and e-mail are checked hourly between 8 A.M. and 5 P.M. Central Standard Time. Quotes and Order Information for Custom and OCP E-Forms Please contact your Account Representative. Invoicing 1-800-397-2341, Ext. 1123652 Forms Use and Compliance Questions IRA Forms Questions Real Estate Lending Forms Financial Institutions Other Lending and Deposit Forms Financial Institutions Please have your customer number available when contacting us. Wolters Kluwer Financial Services P.O. Box 1457 St. Cloud, MN 56302-1457 www.wolterskluwerfs.com RSSIMHLAZ-AK, RSSIMHLAZ-AL, RSSIMHLAZ-AR, RSSIMHLAZ-AZ, RSSIMHLAZ-CA, RSSIMHLAZ-CO, RSSIMHLAZ-CT, RSSIMHLAZ-DC, RSSIMHLAZ-DE, RSSIMHLAZ-FL, RSSIMHLAZ-GA, RSSIMHLAZ-HI, RSSIMHLAZ-IA, RSSIMHLAZ-ID, RSSIMHLAZ-IL, RSSIMHLAZ-IN, RSSIMHLAZ-KS, RSSIMHLAZ-KY, RSSIMHLAZ-LA, RSSIMHLAZ-MA, RSSIMHLAZ-MD, RSSIMHLAZ-ME, RSSIMHLAZ-MI, RSSIMHLAZ-MN, RSSIMHLAZ-MO, RSSIMHLAZ-MS, RSSIMHLAZ-MT, RSSIMHLAZ-NC, RSSIMHLAZ-ND, RSSIMHLAZ-NE, RSSIMHLAZ-NH, RSSIMHLAZ-NJ, RSSIMHLAZ-NM, RSSIMHLAZ-NV, RSSIMHLAZ-NY, RSSIMHLAZ-OH, RSSIMHLAZ-OK, RSSIMHLAZ-OR, RSSIMHLAZ-PA, RSSIMHLAZ-RI, RSSIMHLAZ-SC, RSSIMHLAZ-SD, RSSIMHLAZ-TN, RSSIMHLAZ-TX, RSSIMHLAZ-UT, RSSIMHLAZ-VA, RSSIMHLAZ-VT, RSSIMHLAZ-WA, RSSIMHLAZ-WI, RSSIMHLAZ-WV, RSSIMHLAZ-WY The retail sales contracts are being revised to comply with Regulation Z changes. Effective January 10, 2014, Regulation Z will require that certain information be included on notes, security instruments, and credit applications. See 12 CFR 1026.36(g). For a closed-end consumer credit transaction secured by a dwelling, the name and NMLSR ID number of (a) the loan originator organization AND (b) the individual loan originator with primary responsibility for the origination must be included. Prompts and fields for the new ID information are being added so tha it can be provided when applicable. Creditors may begin using the revised forms and may begin providing the ID information before the January 10, 2014 mandatory compliance date. Preprinted forms the NMLSR ID information is being added at the bottom of the first page (front side). Spacing changes will occur and form length may change for some forms. Eforms the ID information is being added at the bottom of the last page. New data fields will be added. Some spacing and content flow changes may occur. Home Improvement Retail Installment Contracts RSSIHIRPDZAK, RSSIHIRPDZAL, RSSIHIRPDZAR, RSSIHIRPDZAZ, RSSIHIRPDZCA, RSSIHIRPDZCO,RSSIHIRPDZCT, RSSIHIRPDZDC, RSSIHIRPDZDE, RSSIHIRPDZFL, RSSIHIRPDZGA, RSSIHIRPDZHI, RSSIHIRPDZIA, RSSIHIRPDZID, RSSIHIRPDZIL, RSSIHIRPDZIN, RSSIHIRPDZKS, RSSIHIRPDZKY, RSSIHIRPDZLA, RSSIHIRPDZMA, RSSIHIRPDZMD, RSSIHIRPDZME, RSSIHIRPDZMI, RSSIHIRPDZMN,RSSIHIRPDZMO, RSSIHIRPDZMS, RSSIHIRPDZMT, RSSIHIRPDZNC, RSSIHIRPDZND, RSSIHIRPDZNE,RSSIHIRPDZNH, RSSIHIRPDZNJ, RSSIHIRPDZNM, RSSIHIRPDZNV, 9
RSSIHIRPDZNY, RSSIHIRPDZOH, RSSIHIRPDZOK, RSSIHIRPDZOR, RSSIHIRPDZPA, RSSIHIRPDZRI, RSSIHIRPDZSC, RSSIHIRPDZSD, RSSIHIRPDZTN, RSSIHIRPDZTX, RSSIHIRPDZUT, RSSIHIRPDZVA, RSSIHIRPDZVT, RSSIHIRPDZWA, RSSIHIRPDZWI, RSSIHIRPDZWV, RSSIHIRPDZWY The retail sales contracts are being revised to comply with Regulation Z changes. Effective January 10, 2014, Regulation Z will require that certain information be included on notes, security instruments, and credit applications. See 12 CFR 1026.36(g). For a closed-end consumer credit transaction secured by a dwelling, the name and NMLSR ID number of (a) the loan originator organization AND (b) the individual loan originator with primary responsibility for the origination must be included. Prompts and fields for the new ID information are being added so tha it can be provided when applicable. Creditors may begin using the revised forms and may begin providing the ID information before the January 10, 2014 mandatory compliance date. Security Agreements for Consumer Transactions SA-CONS,SA-CONS-AK, SA-CONS-AR, SA-CONS-AZ, SA-CONS-CA, SA-CONS-GA, SA-CONS-IA, SA-CONS-KY, SA-CONS-LA, SA-CONS-MA, SA-CONS-MO, SA-CONS-MS, SA-CONS-ND, SA-CONS-NH, SA-CONS-NJ, SA-CONS-NV, SA-CONS-RI, SA-CONS-TX, SA-CONS-WA, SA-CONS-WI, SA-CONS-WY The forms are used for variety of consumer purpose transactions, including consumer transactions secured by a dwelling. These forms are being revised to comply with Regulation Z. Regulation Z will now require certain information be included on notes, security instruments, and credit applications. See 12 CFR 1026.36(g). For a closed-end consumer credit transaction secured by a dwelling, the name and NMLSR ID number of the loan originator organization and the individual loan originator with primary responsibility for the origination must be included. The effective date of this new requirement is January 10, 2014. The information is being added to the last page, at the end of the document. This location is being used to help minimize the impact to the rest of the document. Some spacing changes may occur to help fit the new information onto the document. The standard size of this document moving forward will be 8.5x11. Glossary of Terminology We are adding, to our monthly E-Forms Partner Product Update, a glossary of terminology to provide more accurate and consistent communication. We hope the clarification will be useful to you. Compliance with Required Effective Date (xx/xx/xx) The new or revised document is being driven by legislative or regulatory mandate and is required to be implemented by the effective date indicated. Compliance without Required Effective Date The new or revised document is being driven by legislative or regulatory mandate, but the mandate has not defined an implementation date. All parties (Wolters Kluwer Financial Services, alliance, and customer) must respond in as timely manner as possible to implement. Market with Discretionary Implementation Date BSI-JS1-1CS 578301 1/1/07 Wolters Kluwer Financial Services [FORM NUMBER] [JOB NUMBER] [DATE]
E-FORMS Product Update The new or revised document has: A change in feature or function of a Wolters Kluwer Financial Services document driven by market and customer input to be more useful or easier to use. Wolters Kluwer Financial Services determined clarification or enhancement of a Wolters Kluwer Financial Services document to provide added value. Update to a state or federal form in terms of verbiage or fields which has been incorporated to match the government s changes. To learn more about Wolters Kluwer Financial Services, visit our web site at www.wolterskluwerfs.com. Information on E-Forms is found by typing E-Forms in the Search box. Electronic Forms Support Technical Support 1-800-274-2711, Ext. 1124008 (available from 7 A.M. to 7 P.M.) contentsupport@wolterskluwer.com (Please type E-Forms in the subject line.) Voice mail and e-mail are checked hourly between 8 A.M. and 5 P.M. Central Standard Time. Quotes and Order Information for Custom and OCP E-Forms Please contact your Account Representative. Invoicing 1-800-397-2341, Ext. 1123652 Forms Use and Compliance Questions IRA Forms Questions Real Estate Lending Forms Financial Institutions Other Lending and Deposit Forms Financial Institutions Please have your customer number available when contacting us. Wolters Kluwer Financial Services P.O. Box 1457 St. Cloud, MN 56302-1457 www.wolterskluwerfs.com The old version of the form is still compliant; however, future revisions driven by legislative and regulation imperatives will be rendered on the new version of the form, not the old version. The implementation time frame by alliance and customer is discretionary, but it is incumbent on the parties to implement in a timely manner so as to not jeopardize continued compliance. (Note: Government form revisions may drive a timelier implementation.) Discontinued with Discretionary Implementation Date The document is being discontinued and replaced by another document as specified. The discontinued document is still compliant; however, future revisions driven by legislative and regulation imperatives will be rendered on the new version of the document, not the old version. The implementation time frame by alliance and customer is discretionary, but it is incumbent on the parties to implement in a timely manner so as to not jeopardize continued compliance. Discontinued with Termination Date (xx/xx/xx) The form is being discontinued and no longer supported. There is no replacement form designated and form will not be supported at specified date. The action could be driven by several causes such as removal of compliance requirement or business decision to not support a line of business. Technical with Discretionary Implementation Date The new or revised document has a change that relates to the technical structure of the e-form which is non-regulatory and/or non-visible to the form s end user. For example, such changes could be the size of a data field on the e-form or field label which is not visible to the end customer. The document implementation is discretionary, but should be accomplished in a timely manner. Technical changes are not communicated in the E- Forms Partner Newsletter, but in the full release. Revision Date 11
The revision date on the form is the date which Wolters Kluwer Financial Services compliance services initiated making form changes that were Compliance, Market, or Technical in category. The revision date is not the date at which the form was available to alliances or customers. The process time from start of revision to release varies and is dependent on the number documents and jurisdictions affected by regulation change, size of document change, and priority. About Wolters Kluwer Financial Services Wolters Kluwer Financial Services is a leading provider of regulatory compliance solutions and services for banking, securities, and insurance focused on helping meet your business objectives. To learn more, please visit www.wolterskluwerfs.com. BSI-JS1-1CS 578301 1/1/07 Wolters Kluwer Financial Services [FORM NUMBER] [JOB NUMBER] [DATE]
COMPLETED FORMS GRID April 2013 Below is a list of the E-Forms, sorted by file name, which were recently completed in Compliance Services. File Name Form Name Description Revision Date AKREDTLZ RE-DT-LAZ-AK Real Estate Deed of Trust Alaska 02/01/2013 GAREDSD RE-DSD-GS Real Estate Deed of Trust - Georgia 02/01/2013 ID4041 VMP4041ID Satisfaction - Idaho 10/01/2012 OKBTA1 BTA-1-OK Title Application Oklahoma 09/28/2012 OKBTA1 BTA-1-OK Title Application - Oklahoma 09/28/2012 OR4041 VMP4041OR Satisfaction Oregon 10/01/2012 OR4041 VMP4041OR Satisfaction - Oregon 10/01/2012 TNMV1 MV-1-TN Title Application - Tennessee 02/28/2013 TNMV2 MV-2-TN Title Application - Tennessee 02/28/2013 TXMHALZ MH-A-LZ-TX Title Application - Texas 12/21/2012 TXMHALZ MH-A-LZ-TX Application - Texas 12/21/2012 TXMHALZ MH-A-LZ-TX Title Application - Texas 12/21/2012 TXREN1 REN-1-TX Real Estate Note Texas 02/01/2013
TXREN3A REN-3A-TX Real Estate Note Texas 02/01/2013 VAMV2 MV-2-VA Title Application - Virginia 12/21/2012 WA4041 VMP4041WA Satisfaction - Washington 10/01/2012 WIREN1 REN1-WI Real Estate Note - Wisconsin 02/01/2013 XCOLLAMS COLL-AMEND Collateral Amendment Agreement - Multistate 02/01/2013 XIDTHFAF ID-THEFT-AFF ID Theft Affidavit - Multistate 02/15/2013 XXADJNOTE ADJ-NOTE-XX Adjustable Rate Note See Product Update for list of states 02/01/2013 XXDMPFRMN MPFRMN-XX Multi-Purpose Fixed Rate Note See Product Update for list of states 02/01/2013 XXFHL3293 FHL3293LKAZXX Balloon Loan Modification See Product Update for list of states. 02/01/2013 XXHLCU HL-CU-XX Home Loan State specific- AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX VA VT WA WI WV WY (List of forms in March issue) 02/01/2013 XXLEA LEA Loan Extension Agreement Multistate, KS, TX 02/01/2013 XXREDT RE-DT-XX Real Estate Deed of Trust (See Product Update for list of states. 02/01/2013 XXREMTG RE-MTG-XX Real Estate Mortgage See Product Update for list of states 02/01/2013 XXREN REN-XX Real Estate Note See Product Update for list of states 02/01/2013 XXUN UN-XX Universal Notes Multistate & State Specific- UN-LAZ-AK, UN-AL, AR, CA, CT, GA, ID, IN, MN, MO, NC, ND, RI, TN, TX, VT WV. (List of forms in March issue) 02/01/2013 XXW7COA W-7COA IRS Certificate of Accuracy - Multistate 01/01/2013 14 Wolters Kluwer Financial Services BC-10-907 EFP-0110-NL 1/15/10