A consumer loan, which is either: (1) a primary lien Yes when it involves Not specified, but if the LTV life, accident, health practically before Cost of Insurance (upon exceeds 100% or KAN. STAT. ANN. § or unemployment Initial Disclosure Land charges for the No Disclosure request) the APR exceeds (West 2012) insurance not disclosed insurance the code required by the are incurred. mortgage rate; creditor or (2) a junior lien A loan which is also covered by Before the borrower KS Estimated Disclosure 16584 (upon the becomes KAN. STAT. ANN. § Initial Disclosure Not specified No No Document request) Act (15 contractually (West 2012) USCA §§ 1601 obligated on the loan through 1667e) A consumer loan, is either: (1) a primary lien if 18, 1591, and the LTV exceeds Initial Disclosure other TILA KAN. ADMIN. Various TILA Disclosures 100% or the APR Land At various times No No and Closing Disclosures REGS. § (2013) exceeds the code (Federal) mortgage rate; or (2) a junior lien
Initial Disclosure Cost of Insurance Disclosure (upon request) A consumer loan, which is either: (1) a primary lien if the LTV exceeds 100% or the APR exceeds the code mortgage rate; or (2) a junior lien Land Not specified, but practically before charges for the disclosed insurance are incurred. KAN. STAT. ANN. § (West 2012) Yes when it involves life, accident, health or unemployment insurance not required by the creditor No Initial Disclosure KS Estimated Disclosure Document 16584 (upon request) A loan which is also covered by the Act (15 USCA §§ 1601 through 1667e) Not specified Before the borrower becomes contractually obligated on the loan KAN. STAT. ANN. § (West 2012) No No Initial Disclosure and Closing Various TILA Disclosures 18, 1591, and other TILA Disclosures (Federal) A consumer loan, is either: (1) a primary lien if the LTV exceeds 100% or the APR exceeds the code mortgage rate; or (2) a junior lien Land At various times KAN. ADMIN. REGS. § (2013) No No
Initial-Disclosure-Signature-Matrix.docx