What language is required to print in the ‘Did this Change?’ column when the Adjustment and Other Credits amount differs between the Loan Estimate column and the Final column for transactions with an Application Received Date on or after 10/1/2018?

When the unrounded Loan Estimate amount differs from the Final column, Yes prints in the Did this change? column.

To determine the language the prints following the bullet, the product compares:

• The unrounded Generalized Other Credits from the Loan Estimate to the Generalized Other Credits from the Closing Disclosure.
• The unrounded Specific Other Credits from the Loan Estimate to the Specific Other Credits from the Closing Disclosure.
• The unrounded Adjustments from the Loan Estimate to the Adjustments from the Closing Disclosure.

Based on those compares:

• See details in Sections K and L is applicable when:
  • There has been a change in both the Generalized Other Credits amount and in the Adjustments amount.
  • The transaction includes Specific Other Credits and there has not been a change in both the Generalized Other Credits amount and the Adjustments amount.
• See details in Section L is applicable when there has been a change in the Generalized Other Credits amount and there has not been a change in the Adjustments amount.
• See details in Section K is applicable when there has not been a change in the Generalized Other Credits amount and there has been a change in the Adjustments amount.