Annual Notice Requirements Cheat Sheet
Updated 10/28/2026
This cheat sheet provides an overview of annual notice and disclosure requirements applicable to banks, including regulatory requirements, delivery methods, and available exceptions.
Rule: Various
Toolkit: Mortgage Servicing, Privacy, Regulation E, TRID
Keywords: Annual Notices, Privacy Notice, Private Mortgage Insurance (PMI), Error Resolution Notice, Statement of Billing Rights, Sweep Accounts, HMDA, CRA Public File, CRA Lobby Notice, Escrow Account Statement, Flood Insurance, Dormancy, Escheatment, Unclaimed Property, IRS Form 1098, IRS Form 1099-INT.
10/28/2026 – Updated the cheat sheet to reflect current regulatory requirements, added new sections addressing CRA notices, dormancy and escheatment, and flood insurance escrow notices, and clarified existing notice requirements, exemptions, and delivery methods. Changes are highlighted throughout the document.
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