This Regulation specifies the form, content, and timing of disclosures required by Title 9 V.S.A. §104 (the "Disclosure") for every loan secured by a first lien on residential real estate in which the borrower is expected to be charged in excess of four points or an interest rate in excess of three percent over the rate established pursuant to Title 32 V.S.A. § 3108, or both, on the loan. The Disclosure must be printed on a single sheet of colored paper that is easily distinguished from all other documents.
These documents are not legal documents but are placed here for reference purposes only. For a legal copy please contact the department.