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%.  

Addition of 2020 threshold adjustment to the Illinois High Risk Home Loan Act test.   Loan amounts below $21,980 will apply a points and fees limit of the lesser of 8% or $1099.   

Update to the Pennsylvania Base Figure to support the 2020 value of $260,404, up from the 2019 Base Figure value of $256,023.   This base figure is used in audits for allowable prepayment penalties in Pennsylvania. 

Addition of 2020 1 & 4-unit Conforming Loan Limits for Fannie Mae, Freddie Mac, and FHA. 

Addition of a signature line for Title-Only persons to the Texas Acknowledgement of Fair Market Value for Texas 50(a)(6) loans.   Document should be signed by all owners of the property. 

Revision to the Borrower Email Address Missing Audit to return if any borrower (Individual, Cosigner, Officer) does not have an email address provided.  The audit will be set with a default severity of Warning. 

Modification of the NY prepay audit to ensure any prepayment penalty is based on 12 months or less, to update the applicability of the audit.  Applies to 1st lien, fixed rate loans secured by 1-6 family owner-occupied dwelling with an interest rate >6%; 1st lien, ARM loan secured by 1-4 owner-occupied dwelling with a loan amount <$250,000; subordinate-lien loans secured by owner-occupied property.

Signature selection for Texas Notice of Penalties for Making False or Misleading Written Statement (TXNOP.MSC) and the Spanish version (TXNOPS.MSC) is being updated to include Co-signer, in addition to Individual and Officer.

Enhacement made to Escrow for Property Tax Impounds audit to consider Property Tax (PTX) and State Property Tax (SPT).