COLO. REV. STAT. Cost of Insurance Consumer credit Initial Disclosure 16488 Land Not specified ANN.§ (West Yes No Disclosure transaction 2013) Loans secured by a A residential first lien that dwelling COLO. REV. STAT. CO Refinance Initial Disclosure & 993 refinances a consisting of not Not specified ANN. §§ & No No Disclosure Closing purchase or more than 4 (West 2013) construction loan. dwelling units. Property consisting of the consumer’s A covered loan To be completed at the time COLO. REV. STAT. principal dwelling, that refinances an of completing the ANN. §§ , , & Initial Disclosure & CO Tangible Net or a dwelling or Yes, pursuant to 12873 existing covered application and (if any (West 2013); 4 Yes, pursuant to Closing Benefit Disclosure residential real f loan, or residential change occurs) prior to Colo. Code Regs. estate upon mortgage loans. signing § (2013) there are 1- to 4- family dwelling units. Assignment Sale or COLO. REV. STAT. Consumer credit Before consumer begins Closing Transfer of 21 (Federal) Land ANN. § (West No No transaction payments to assignee Servicing 2013) Before or contemporaneously with COLO. REV. STAT. CO Notice to Consumer credit the co-signor signing any Closing 994 Land ANN. § (West No No Cosigners transaction agreement or writing 2013) setting forth the terms of the agreement Consumer credit COLO. REV. STAT. CO Balloon Note transaction that At the time the transaction Closing 2793 Land ANN. § (West No No Disclosure contains a balloon is entered into. 2013) payment.
Initial Disclosure Cost of Insurance Disclosure 16488 Consumer credit transaction Land Not specified COLO. REV. STAT. ANN.§ (West 2013) Yes No Initial Disclosure & Closing CO Refinance Disclosure 993 Loans secured by a first lien that refinances a purchase or construction loan. A residential dwelling consisting of not more than 4 dwelling units. Not specified COLO. REV. STAT. ANN. §§ & (West 2013) No No Initial Disclosure & Closing CO Tangible Net Benefit Disclosure 12873 A covered loan that refinances an existing covered loan, or residential mortgage loans. Property consisting of the consumer’s principal dwelling, or a dwelling or residential real estate upon there are 1- to 4- family dwelling units. To be completed at the time of completing the application and (if any change occurs) prior to signing COLO. REV. STAT. ANN. §§ , , & (West 2013); 4 Colo. Code Regs. § (2013) Yes, pursuant to Yes, pursuant to f Closing Assignment Sale or Transfer of Servicing 21 (Federal) Consumer credit transaction Land Before consumer begins payments to assignee COLO. REV. STAT. ANN. § (West 2013) No No Closing CO Notice to Cosigners 994 Consumer credit transaction Land Before or contemporaneously with the co-signor signing any agreement or writing setting forth the terms of the agreement COLO. REV. STAT. ANN. § (West 2013) No No Closing CO Balloon Note Disclosure 2793 Consumer credit transaction that contains a balloon payment. Land At the time the transaction is entered into. COLO. REV. STAT. ANN. § (West 2013) No No
Initial-Disclosure-Signature-Matrix.docx