Compliance Updates: August 2026 In Review

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

• Docutech updated several federal agency forms as part of its monthly audit, including the Department of Veterans Affairs Financial Statement (Cx18833), Request for Certificate of Veteran Status (Cx3953), and FHA's For Your Protection: Get a Home Inspection (Cx2283). Updates include revised VA branding, new form and expiration dates, signature field changes, updated respondent burden language, and a new expiration date for the FHA inspection notice. Read More.
• The VA Report and Certification of Loan Disbursement (Cx52) was updated to improve the logic used for Certificate of Eligibility certifications. New borrower-specific fields will determine the appropriate certification for continued active-duty service, Reserve or National Guard service, or unremarried surviving spouse status, providing improved support for transactions involving multiple veterans or borrowers. Read More.
• The Wisconsin Mortgage Broker Agreement (Cx14547) was updated to more closely align with the state's model form. The document now includes identification labels for mortgage broker company information and replaces "Company NMLS#" with "Mortgage Broker's Unique Identifier," allowing for state identifiers that may differ from NMLS numbers. Read More.
• Updates were made to the Credit Score Disclosure (Cx15312) to better distinguish between Equifax Information Services and Equifax Mortgage Solutions. The appropriate credit bureau name will now populate based on the Equifax service type selected, improving the accuracy of the disclosure when a consumer's credit score is unavailable. Read More.
• The Montana HELOC Deed of Trust (Cx3027) was updated to remove hardcoded draw and repayment periods. The document will now populate these periods using applicable loan data, allowing the language to more accurately reflect the terms of each HELOC transaction. Read More.
• Additional logic enhancements were made to the Nebraska Net Tangible Benefit Disclosure (Cx29105). Updates improve how loan type, closing costs, cash received, and related insurance product amounts populate within the loan comparison table, helping the disclosure more accurately reflect applicable new and existing loan information. Read More.
• The Nevada Reasonable Means Disclosure (Cx12913) was updated to align the electronic signing experience with the document's initials field. When completed through eSign, Borrower 1 will now be prompted to provide initials in the field appearing in the lower-right corner of the disclosure. Read More.
• The Itemization of Fees (Cx19209) was updated to correct the logic used to determine whether an escrow item should print. The change ensures that both the total line expense and borrower-paid amount are evaluated for the applicable escrow item and is not expected to affect loans where escrow amounts are already populated as expected. Read More.
• The California Impound Disclosure (Cx1231) was revised for greater clarity and consistency with California Civil Code § 2954(a). The updated language more broadly describes the types of property-related expenses that may be collected through an impound account while maintaining clarification that borrowers may remain responsible for certain charges. Read More.
• Print configuration options for the Connecticut Flood Damage and Insurance Notice (Cx29024) were expanded following amendments to Connecticut law. Clients can now configure the disclosure to print in any package type, providing greater flexibility in meeting disclosure timing requirements for home equity, HELOC, and other covered mortgage loans. Read More.
• Logic within the VA Loan Analysis (Cx5533) was updated for Box 45b, which identifies the Automated Underwriting System used for the loan. The form will now first use the VA-specific AUS field and fall back to the existing AUS Type field when no VA-specific value is provided. Read More.
• The Nebraska Notice to Cosigner (Cx13029) was updated to reflect a new statutory citation following the transfer of provisions from the Nebraska Installment Loan Act to the Nebraska Installment Loan and Sales Act. The underlying requirements remain unchanged, and the update is limited to the statutory reference. Read More.

Compliance News

• The 21st Century ROAD to Housing Act became law on July 11, beginning a broader federal housing-policy implementation process. Two provisions are expected to have significant borrower-facing document implications: future changes to the Uniform Residential Loan Application related to military service and an expansion of the FHA Informed Consumer Choice Disclosure to include a VA loan comparison. These changes are not yet ready for lender implementation, and additional agency and GSE guidance will be required. 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.