Compliance Updates: June 2026 In Review

Jul 20, 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

  • Washington has updated the WA Foreclosure Prevention Fee Disclosure (Cx28412) so it is generated only for eligible loan types. The disclosure will now print for primary residences and second homes, but not for investment properties, aligning with the state's definition of a residential mortgage loan under RCW 31.04.015. Washington foreclosure fee disclosure eligibility update

  • Nebraska has introduced a new Net Tangible Benefit Disclosure (Cx29105) for qualifying refinance transactions to comply with recently enacted state legislation. The disclosure helps document whether a refinance provides a clear financial benefit to the borrower and will be generated for eligible refinance loans secured by primary residences and second homes. Nebraska Net Tangible Benefit Disclosure update

  • The Request for a Certificate of Eligibility for VA Home Loan Benefits (Cx26687) has been updated to reflect the VA's latest version of the form, which now carries an expiration date of December 31, 2028. In addition to the form update, several minor formatting and field changes have been incorporated to align with the revised VA requirements. VA Certificate of Eligibility form update

  • Docutech has introduced new FHA 1–4 Family Rider documents for lenders who choose to include them with FHA loans, along with updates to additional PUD and Condominium Riders so they can print automatically when both riders are required. These enhancements provide greater flexibility while ensuring the documents align with FHA-specific requirements. FHA, PUD, and condominium rider updates

  • The New Jersey Authorization of Document Delivery Services (Cx1030) has been updated to improve the document's functionality and data population. New fields have been added to capture key delivery information, helping lenders more accurately disclose and authorize document delivery service fees in accordance with New Jersey requirements. New Jersey document delivery authorization update
  • Docutech has enhanced its Loan Modification Agreements for Montana, Oregon, Washington, and Georgia. Updates include revised MERS language for MT, OR, and WA documents, along with new Georgia intangible recording tax language to better support applicable loan modification requirements and improve document accuracy. Loan modification agreement updates for four states
  • The Virginia Security Instruments, State Assumption Notice (Cx28523), and LE/CD Assumption Disclosure has been updated to comply with Virginia House Bill 304. The changes support new assumption provisions for eligible conventional owner-occupied loans in the event of a divorce or annulment, while adding a new multistate State Assumption Notice and updated disclosure logic for qualifying Virginia loans. Virginia security instrument and assumption disclosure updates
  •  The VA Loan Summary Sheet (Cx57) and VA Loan Analysis (Cx5533) have been enhanced to better support loans with multiple VA home loan entitlements. The updates expand and rename the credit score fields to accommodate up to four veterans, while improving the document logic to ensure the appropriate veteran credit score is displayed based on available loan data. VA loan document updates for multiple entitlements
  • Certain Connecticut instruments, assignments, and the Tax Bill Authorization (Cx1842) have been updated to better align with FNMA model forms. The changes remove unnecessary county fields and instead use the recording jurisdiction type and name, improving consistency with Connecticut's city- and town-based recording requirements. Connecticut document updates to align with FNMA forms
  • The Washington Foreclosure Prevention Fee Disclosure (Cx28412) has been updated to reflect changes under Washington Senate Bill 5938, including revised fee exemptions and an updated model disclosure form issued by the Washington State Department of Commerce. The changes ensure the disclosure aligns with current state requirements for the $80 Foreclosure Prevention Fee and related borrower notice provisions. Washington foreclosure fee disclosure and SB 5938 updates
  • The print configurations for the Connecticut Flood Damage and Insurance Notice (Cx29024) have been updated to align with Connecticut House Bill 5208, which changes when the notice must be provided based on the loan type. The revised logic ensures the notice is generated in the appropriate document package for eligible Connecticut loans while supporting compliance with the state's updated disclosure timing requirements. Connecticut flood notice print configuration update

  • A new Equifax Service Type option has been added to distinguish between Equifax Information Services and Equifax Mortgage Solutions, ensuring the appropriate contact information is displayed based on the selected service. The update also refreshes contact information for Equifax, Experian, and TransUnion across several credit disclosure documents to keep borrower-facing information current. Equifax service type and credit bureau contact updates

  • A new field has been added to New York CEMA Gap documents, giving lenders more control over how loans with no gap amount are displayed. When no new money is being added, the field allows loan amount and monthly payment values to either populate as $0.00 or remain blank, depending on lender preference. New York CEMA Gap field update

  • Notary acknowledgment language has been updated on select documents to support both state names and "The United States" as valid entity formation locations when a representative signs on behalf of an entity. This enhancement ensures the acknowledgment text remains grammatically correct regardless of the entity formation location provided.  Notary acknowledgment language update for entity signers
  • The Co-Operative Loan Security Agreement (Cx4987) has been updated to remove the previous 15% cap on attorney fees for first-lien transactions in New York. The revised language now states that legal fees, costs, and disbursements must be reasonable, actually incurred, and permitted by applicable law, aligning the document with current legal requirements. New York Co-Operative Loan Security Agreement attorney fee update

Late Fee Updates

  • Docutech has updated its ConformX Late Fee Defaults to reflect new statutory late fee limits in Oklahoma, South Carolina, and Minnesota. The changes incorporate increased maximum late charges for Oklahoma and South Carolina, while Minnesota's updated minimum late charge does not affect the default settings because ConformX does not apply permissible minimum amounts. Oklahoma, South Carolina, and Minnesota late fee updates

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.
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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.