DEPARTMENT OF REGULATORY AGENCIES
DIVISION OF REAL ESTATE
MORTGAGE LOAN ORIGINATORS AND MORTGAGE COMPANIES
4 CCR 725-3

CHAPTER 1:	DEFINITIONS

1.4	Advertisement: Has the same meaning as set forth in 12 C.F.R. §1026.2(a)(2) as incorporated by reference in Board Rule 1.36.

      1.6	Business Day: Has the same meaning as set forth in 12 C.F.R. §1026.2(a)(6) and 12 C.F.R. §1024.2(b) as incorporated by reference in Board Rule 1.36.

1.9	Creditor: Has the same meaning as set forth in 12 C.F.R. §1026.2(a)(17) as incorporated by reference in Board Rule 1.36.

1.11	Finance Charge: has the same meaning as set forth in 12 C.F.R. §1026.4(a) as incorporated by reference in Board Rule 1.36.

1.13	Good Faith Estimate Disclosure: Is the same disclosure form established in the Real Estate Settlement Procedures Act, specific to Regulation X, Appendix C as incorporated by reference in Board Rule 1.36.

1.29	Application: Has the same meaning as set forth in 12 C.F.R. §1026.2(a)(3) and 12 C.F.R. §1024.2(b) as incorporated by reference in Board Rule 1.36.

1.34	Truth-in-Lending Disclosure: Is the same disclosure form established by the Truth in Lending Act, specific to Regulation Z, Appendices H-2, H-3, H-4(a), (b), (c) and (d) as incorporated by reference in Board Rule 1.36.

1.37	REPEALED (Effective March 17, 2017)

1.38	Colorado Lock-in Disclosure: means the Colorado Lock-in Disclosure form created by the Board of Mortgage Loan Originators. This form is to be used for any loan application or transaction that is not under the authority of the TILA-RESPA Integrated Disclosure Rule as defined and incorporated by reference in Board Rule 1.36. This disclosure may be found on the Division of Real Estate’s Website. A mortgage loan originator may use an alternate form if the alternate form includes all information required on the Colorado Lock-in Disclosure form, as determined by the Board.