State rules / Disclosure Requirements

North Carolina disclosure requirements

North Carolina requires mortgage brokers to provide a Mortgage Broker Compensation Disclosure (model form MLA 18) to borrowers, disclosing total compensation from all sources for each loan option presented. This disclosure must be made timely and clearly before the borrower makes a decision, i.e., during the loan presentation phase.

Disclosure Requirements in other 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.

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