Disclosures to Clients

These are the items that I have figured out that Senate Bill 185 requires mortgage brokers to disclose to their clients.

Addendum to the Mortgage Loan Origination Disclosure Statement
High Loan to Value Disclosure
Ohio Revised Code 1322.o62(A)(1)(j) &
Ohio Administrative Code 1301:8-7-15(A)(9) Does not exist yet

Ohio Homebuyers' Protection Act Informational Document
Acknowledgment
Customer Acknowledgment
Ohio Revised Code 1345.05 (A)(4) and (G) & Administrative code 109:4-3-29

Mortgage Loan Origination Disclosure Statement
Ohio Revised Code 1322.062 &
Ohio Administrative Code 1301:8-7-15 Does not exist yet

Addendum to the Good Faith Estimate
Ohio Revised Code 1322.062(D) &
Administrative Code 1301:8-7-15(D) Does not exist yet

Instructions of Borrower
Ohio Revised Code 1322.081(A)(2) & Administrative Code 1301:8-7-26

Referral of Settlement Services
Ohio Revised Code 1322.075(A)(4)

Payment Breakdown
Ohio Revised Code 1322.063

Notice of Change in Mortgage Terms
Ohio Revised Code 1322.062 &
Ohio Administrative Code 1301:8-7-15(F) Does not exist yet

Closing Disclosure
Ohio Revised Code Section 1345:031 (B)(8)

Tangible Benefit
I think there needs to be something to make sure you have documented the benefit to the customer.
Ohio Revised Code 1345.031 (B)(12) & Ohio Administrative Code 109:4-3-26

I am not an attorney, does anybody have any thoughts to add to this list?