Wolters Kluwer Financial Services will be revising VMP763, Truth-in-Lending Mortgage Disclosure, with a January 10, 2014 compliance change. Changes include removing the Preliminary and Final checkboxes in the Date and Parties at the top of page 1. These checkboxes were inadvertently added and are not needed. After the disclosure of the amount borrowed, removing text and replacing it with a checkbox with the following language: "This amount includes charges that are being added to the loan amount." This disclosure is required under 1026.32(c)(5). Section 1026.34(a)(10) limits which fees may be added to the loan. Any fee that is included in the "points and fees" definition may not be added to the loan amount. In the Variable Rate Loans section, a checkbox is being added with the following language: "At the end of your loan, you will still owe us $___". This language is needed to disclose a final balloon payment in the rare situation in which it is permitted under 1026.32(d)(1)(ii)(A) and (B) (for loans in which the payment schedule is adjusted for seasonal income or for bridge loans of 12 months or less). Formatting changes are being made as well. It is anticipated that this form will be completed for the November 2013 VMP E-Forms Release. Customers interested in placing an order for this form may contact their Sales Representative or Customer Support at 800-552-9410.