State rules / Disclosure Requirements
Idaho disclosure requirements
Idaho requires specific state disclosures under IDAPA 12.01.10.050 and Idaho Code § 45-1602. For residential mortgage loans, within 3 business days of application, lenders must provide: (1) a written prepayment penalty disclosure in a form approved by the Director; (2) if no interest rate lock-in is entered, a disclosure that rates and terms are subject to change; (3) if a lock-in is entered, written confirmation of its terms within 3 business days. Additionally, upon application, lenders must disclose the services they will provide. During the foreclosure period, any contract transferring an interest in residential real property must include a specific statutory notice (Idaho Code § 45-1602).
Source
Idaho Code § 45-1602
https://codes.findlaw.com/id/title-45-liens-mortgages-and-pledges/id-st-sect-45-1602Disclosure Requirements in other states
- District of Columbia disclosure requirements
- Florida disclosure requirements
- Georgia disclosure requirements
- Illinois disclosure requirements
- Indiana disclosure requirements
- Kansas disclosure requirements
- Compare all 38 states
Researched and verified against primary sources by AI, with the controlling citation above. Not human-reviewed and not legal advice — confirm against the cited source before relying on it. Last updated July 5, 2026.