Compliance Updates: October 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

• New York Telephone Application Fulfillment (Cx29276): ConformX will identify qualifying New York telephone applications and, for applicable paper fulfillment packages, include two copies of the disclosures, USPS Priority shipping and new borrower instructions for signing and returning one copy. The update applies to Traditional Fulfillment and Solex Drop to Fulfillment workflows.  Learn how the update affects Traditional Fulfillment and Solex Drop to Fulfillment workflows. 
• Wyoming Notice and Explanation of Fee Increase (Cx19752 and Cx16634): A new print field and updated conditions control when these notices print. By default, the field is set to “Yes” when changed-circumstance fee or reason data is present, helping align printing with the relevant loan information. See when the Wyoming fee increase notices will print based on changed-circumstance information. 
• 3 Year Treasury ARM Note and Rider 2021 (Cx29272 and Cx29273): Two new generic documents support applicable 3 Year Treasury index programs using 2021 security instruments. They are configured to print by default when the ARM index is 3 Year Treasury and the fixed period is 3 years.  Review the new 3 Year Treasury ARM note and rider and when they’ll print. 
• Maryland divorce assumption disclosures and mapping: Print conditions for Maryland’s State Assumption Notice and security instrument language were refined based on occupancy, loan type and exemption settings. Related Maryland and Virginia mappings for the “Assumable Loan” field were also removed so divorce or separation provisions alone no longer set it to “Yes.” Find out how the updates affect Maryland assumption disclosures and Maryland and Virginia loan mappings. 
• FICO Score 10T and per-borrower, per-agency credit score model support: ConformX now supports Classic FICO, VantageScore 4.0 and FICO Score 10T at the loan level and through new borrower- and agency-specific fields. The credit score disclosure and matrix were updated for FICO Score 10T. FHA’s implementation date for eligible Title II mortgages is Jan. 1, 2027; Fannie Mae and Freddie Mac have not yet announced their launch dates. Learn how ConformX supports FICO Score 10T and borrower- and agency-specific credit score models. 
• Spanish version of “Your Home Loan Toolkit” (Cx21032): The Spanish-language Toolkit was updated to the CFPB’s August 2026 version and added to generic ConformX support. It prints in applicable Initial Disclosure packages when Spanish documents are requested, subject to the HUD Booklet Inclusion setting and loan-purpose rules. See when the updated Spanish-language Toolkit will print in applicable disclosure packages. 
• New York Interest Rate Lock Commitment (Cx3588) and Prevailing Interest Rate Commitment (Cx3710): Paragraph 19 of both documents was updated to support tiered prepayment penalty language when a tiered formula exists.  Learn how the forms display tiered prepayment penalty terms. 
• VA Loan Analysis (Cx5533): Borrower and spouse data now populates based on the veteran’s applicable borrower pair, whether the veteran is listed first or second. Item 44’s back-end ratio calculation was also clarified: lenders can provide a loan-level ratio, or leave the field blank to calculate the ratio from the borrowers shown on that form.  Review updates to borrower and spouse data and the Item 44 back-end ratio calculation. 
• HUD-1 and HUD-1A for HELOCs (Cx14222 and Cx14223): GFE line references and the “Comparison of GFE and HUD-1 Charges” section no longer print for HELOCs, since ConformX does not provide a Good Faith Estimate for those transactions. These changes do not affect applicable closed-end loans.  Find out which GFE references and comparison details were removed for HELOC transactions. 

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.