Compliance Updates: April 2026 In Review

May 6, 2026

Topics: Late Fee Updates, Document Change, Global Mapping Changes, Modifications

Our team of experts at Docutech continually review requirements for document changes and publish real-time updates. To help keep you in the know, the monthly Docutech Compliance Recap brings you the most recent compliance updates. 

Here’s our latest recap:

Document Updates

  • ConformX now supports the new VantageScore 4.0 credit score model, allowing lenders to choose either Classic FICO or VantageScore 4.0 (not both on the same loan). It also includes updates to disclosures, standardized score ranges (300–850), and related documents to align with the new model. Read more.

  • A new Manufactured Home Affixation Affidavit (Cx28947) has been introduced as a standalone, recordable document to support documenting that a manufactured home is affixed to real property. Updates were also made to ensure the document meets recording standards, including added required fields such as a “Prepared By” section for certain state versions. Read more.

  • Georgia Security Deeds have been updated to include optional language clarifying that intangible recording tax is only due on any new money advanced above the unpaid principal balance when refinancing with the same lender. This ensures compliance with state requirements by clearly identifying the portion of the loan subject to tax and supports proper recording of refinance transactions. Read more.

  • The West Virginia Ability-to-Repay Worksheet (Cx21375) has been updated to reflect new state regulatory requirements, requiring lenders and brokers to document and provide a written assessment of a borrower’s ability to repay when debt-to-income exceeds certain thresholds. The worksheet now ensures consideration of factors such as current debts, loan terms, and the borrower’s income and financial circumstances. Read more.

  • Docutech introduced an “Upon Request” option that allows lenders to include both Texas 50(a)(6) and 50(f)(2) Notices Concerning Extensions of Credit in the same initial disclosure package, helping avoid timing issues if the loan type changes during the process. The update also adds support for both English and Spanish versions, along with configuration, placement, and signature handling updates to align with existing disclosure workflows. Read more.

  • The construction version of the California HELOC Deed of Trust (Cx1362) has been updated to support recording requirements by adjusting document titles, language, and formatting when loan proceeds are used for construction or remodeling. Changes include updated terminology (e.g., “Construction Deed of Trust”), revised introductory language, and footer updates to properly reflect construction-specific transactions. Read more.

  • The Loan Estimate (Cx18565) has been updated so that the product description for adjustable-rate mortgages (ARMs) now truncates the fixed-rate period, ensuring the description aligns with regulatory guidance and displays more concise, standardized information. Read more.

  • The Manufactured Home Affixation Affidavit has been updated to allow flexible generation either as a rider (Cx43) to the security instrument or as a standalone, recordable document (Cx28947), based on a new field trigger. This enhancement supports recording requirements and aligns with varying county practices while maintaining all existing configuration options. Read more.

  • New functionality was added to several Request for Notice of Default and related documents to conditionally include MERS (Mortgage Electronic Registration Systems) language identifying MERS as nominee for the prior lienholder. This language is triggered when a new field (FI 194027) is set, with slight variations depending on the document. Read more.

  • Updates were made to Tennessee and West Virginia security instruments to improve how trustee residency is disclosed, ensuring compliance with state requirements that trustees be state residents. The system now prioritizes using a specified residency field and, if not provided, defaults to the property’s county to ensure consistent and valid disclosure. Read more.

 Global Required Field Prompt Updates

  • Updates were made to the required field prompt for Mortgage Insurance Premium, 1st Renewal Percent (FI 1104) so the field is only required under the appropriate loan conditions, aligning with current mortgage insurance rules and improving data accuracy during document generation. Read more.

 Global Mapping Changes

  • Global mapping updates were made to IRS tax return “End Date” fields so that, when not manually set, they now default to the most recent completed tax years—12/31/2025 and 12/31/2024—reflecting the latest filing cycle. These changes do not override any client-specific configurations or imported values and only apply when fields are left blank. Read more.


The above information is for informational purposes only and is not and may not be construed as legal advice. No third-party entity may rely upon anything contained herein when making legal and/or other determinations regarding its practices, and such third party should consult with an attorney prior to embarking upon any specific course of action.
Return to Blog

Category / Topics

Late Fee Updates Document Change Global Mapping Changes Modifications

The preceding is for informational purposes only and is not and may not be construed as legal advice. No third-party entity may rely upon anything contained herein when making legal and/or other determinations regarding its practices, and such third party should consult with an attorney prior to embarking upon any specific course of action.