Here are the details.

Summary of Changes to Form 65/1003 - Uniform Residential Loan Application

Section	Change from	Change to	Reason for Change
I. Type of Mortgage and Terms of Loan / Mortgage applied for	FmHA	USDA/Rural Housing Service	Change is a request from USDA/Rural Housing Service
III. Borrower Information	(Borrower & Co-Borrower) Age	DOB (MM/DD/YYYY)	Patriot Act requires covered institution obtain DOB
III. Borrower Information	Former Address (Note: One former address line remains)	Mailing Address, if different from Present	Address Patriot Act
VI. Assets and Liabilities / Monthly Payment & Months Left to Pay column	$Payt./Mos.	$Payment/Months	Clarification
IX. Acknowledgment and Agreement (This section also appears on page 2 of Form 65A)	Separate Certification section; No mention of electronic and facsimile transmission of application	The Certification was rolled up into the Acknowledgment and Agreement as provision #1 Each of the other provisions in the Acknowledgment and Agreement section were renumbered 2-10 Provision 11 was added to the Acknowledgment and Agreement section to address transmission of an application as an electronic record containing an electronic signature or a facsimile transmission containing a facsimile signature as being as effective, enforceable and valid as if a paper version were delivered containing an original written signature.	Modified for clarification and to accommodate trend to electronic originations
X. Information for Government Monitoring Purposes	Instructions currently require lender to note race and sex on the basis of visual observation or surname when borrower chooses not to provide the informati	Instructions have been modified to Require lender to also note ethnicity on basis of visual observation or surname Instruct borrower to answer both ethnicity and race when he/she chooses to provide the information, and Instruct borrower to check all applicable designations for race	HMDA
X. Information for Government Monitoring Purposes	No ethnicity category	Ethnicity category added: Hispanic or Latino or Not Hispanic or Latino	HMDA
X. Information for Government Monitoring Purposes	Existing Race/National Origin categories: American Indian or Alaskan Native Asian or Pacific Islander White, not of Hispanic Origin Black, not of Hispanic Origin Hispanic Other (Specify)	New Race/National Origin categories: American Indian or Alaska Native Asian Black or African American Native Hawaiian or Other Pacific Islander White	HMDA
X. Information for Government Monitoring Purposes/To be Completed by Interviewer section	No reference to Internet Box	added to show application taken via Internet	HMDA

Transmittal Summary (1008)
This form was changed substantially from the previous version. All of the secondary marketing data previously found on Page 2 and on the bottom of Page 1 was deleted, and data was added applicable to automated underwriting, attached/detached housing, additional loan purposes, leasehold vs. fee simple ownership, the "Gap ratio" Freddie Mac requires, Heloc LTV ratios, property review options, and borrower cash available data.

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