New audit to check if the current balance is provided for the prior lien, when provided, on a VA IRRRL.  The current balance is used to calculate the discount, origination and funding fee amounts. 

Update to the Historical Example tables shown on the Important Terms of Your Home Equity Line of Credit to include the rate for 2020. (Dependent on publication of the January 1 rate by the Federal Reserve.) 

Update to the message for the Impound Account Low Balance Exceeds Cushion audit to correct formatting issues with how the amounts were displayed - remove brackets around amounts and add dollar sign ($). 

Update to the programming for disclosure of fees on the Nevada Disclosure of Fees Earned by Mortgage Company (NVDFEMB.MSC) to display fees paid to lender when the origination type is lender, broker when type is broker, and both when type is correspondent. 

Addition of the Nevada Disclosure of Fees Earned by Mortgage Company (Form ID: NVDFEMB.MSC) to lender Closing, Initial and Forms List packages.   This disclosure was previously only provided to brokers in these packages. 

Removal of Nevada Advance Fee Agreement - Banker (NVAFA2.MSC) from state disclosure packages and instead include the Nevada Advance Fee Agreement (NVAFA.MSC), which is revised to reflect Mortgage Company instead of Mortgage Broker. 

Update to the Iowa Interest Rate Reduction Fee Disclosure (Form ID: IAIRFD.MSC) to remove footnote from the good faith example and loan example which indicates percentage of interest rate reduction.

Update to form selection logic for VA Recoupment and Lender Certification (Cash-Out Refinance) (Form ID: VARLC.MSC) to also use MISMO data point for "GovernmentRefiType" of "InterestRateReductionRefinanceLoan") when provided. 

Addition of 2020 TILA threshold adjustments for HOEPA/Section 32 high cost tests and QM tests. 

Update the Vermont Declared Rate for 2020 to 5.50%.