State rules / Disclosure Requirements
Rhode Island disclosure requirements
Rhode Island requires several state-specific disclosures: (1) Disclosure Forms 1 and 2 within three days of application for all applicants; (2) Disclosure Form 3 ('Rhode Island Home Loan Protection Act Disclosure-Tangible Net Benefit') provided prior to or upon consummation for any refinance of a loan consummated within the prior 60 months; (3) Disclosure Form 4 ('High-Cost Home Loan') and Form 5 ('Consumer Caution and Home Ownership Counseling Notice and Certification') provided when a loan is determined to be a high-cost home loan, in sufficient time for the applicant to receive face-to-face counseling before closing. All forms must be exact as provided in a bulletin issued by the Rhode Island Department of Business Regulation.
Disclosure Requirements in other states
- Oklahoma disclosure requirements
- Oregon disclosure requirements
- Pennsylvania disclosure requirements
- South Carolina disclosure requirements
- Tennessee disclosure requirements
- Texas 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.