Real estate with a R.I. GEN. LAWS RI Prohibited Acts of 1-to-4 family No later than 3 ANN §§ through Initial Disclosure Lenders and Loan 11241 A home loan dwelling used as business days of Yes Yes (West 2012); R.I. Brokers the borrower’s application. CODE R. (2013) principal residence A home loan Real estate with a R.I. GEN. LAWS refinances a previous 1-to-4 family Prior to or upon ANN §§ through (home) loan which RI Tangible Net Benefit 11242 dwelling used as consummation of the (West 2012); R.I. Yes Yes Initial Disclosure was consummated the borrower’s loan CODE R. , Form 3 within the prior 60 principal residence (2013) months Real estate with a R.I. GEN. LAWS RI High Cost Related 1-to-4 family No than 3 ANN §§ through Prohibited Acts of A high-cost home Initial Disclosure 11408 dwelling used as business days of (West 2012); R.I. Lenders and Loan loan the borrower’s application. CODE R. , Form 2 Brokers principal residence (2013) Real estate with a R.I. GEN. LAWS Upon determination RI Home Loan 1-to-4 family ANN. §§ through A high-cost home that a high-cost home Initial Disclosure Protection Act dwelling used as (West 2012); R.I. Yes Yes loan loan is being Disclosure the borrower’s CODE R. , Form 5 obtained. principal residence (2013) Real estate with a R.I. GEN. LAWS 1-to-4 family Upon determination ANN. §§ through A high-cost home RI Form 4 HLPA 12090 dwelling used as that a high-cost home (West 2012); R.I. Yes Yes Initial Disclosure loan the borrower’s loan is being obtained CODE R. , Form 4 principal residence (2013) Statement of Credit Credit for personal, R.I. GEN. LAWS 15858 Adverse Action Denial, Termination, or family, or household Not specified Not specified ANN. § (West No No (Federal) Change purposes 2012)
Initial Disclosure RI Prohibited Acts of Lenders and Loan Brokers 11241 A home loan Real estate with a 1-to-4 family dwelling used as the borrower’s principal residence No later than 3 business days of application. R.I. GEN. LAWS ANN §§ through (West 2012); R.I. CODE R. (2013) Yes Yes Initial Disclosure RI Tangible Net Benefit 11242 A home loan refinances a previous (home) loan which was consummated within the prior 60 months Real estate with a 1-to-4 family dwelling used as the borrower’s principal residence Prior to or upon consummation of the loan R.I. GEN. LAWS ANN §§ through (West 2012); R.I. CODE R. , Form 3 (2013) Yes Yes Initial Disclosure RI High Cost Related Prohibited Acts of Lenders and Loan Brokers 11408 A high-cost home loan Real estate with a 1-to-4 family dwelling used as the borrower’s principal residence No than 3 business days of application. R.I. GEN. LAWS ANN §§ through (West 2012); R.I. CODE R. , Form 2 (2013) Initial Disclosure RI Home Loan Protection Act Disclosure A high-cost home loan Real estate with a 1-to-4 family dwelling used as the borrower’s principal residence Upon determination that a high-cost home loan is being obtained. R.I. GEN. LAWS ANN. §§ through (West 2012); R.I. CODE R. , Form 5 (2013) Yes Yes Initial Disclosure RI Form 4 HLPA 12090 A high-cost home loan Real estate with a 1-to-4 family dwelling used as the borrower’s principal residence Upon determination that a high-cost home loan is being obtained R.I. GEN. LAWS ANN. §§ through (West 2012); R.I. CODE R. , Form 4 (2013) Yes Yes Adverse Action Statement of Credit Denial, Termination, or Change 15858 (Federal) Credit for personal, family, or household purposes Not specified Not specified R.I. GEN. LAWS ANN. § (West 2012) No No
Initial-Disclosure-Signature-Matrix.docx