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The outdated number should be replaced with the correct phone number, 800-569-4287.The Notice to Inquirers and Loan Applicants may be downloaded from this site ( pa135not_24820_7.pdf) or its language may be copied directly from section 5 of the Mortgage Lending Practices Act of 1977, MCL 445.1605.

Secondary Mortgage Loan Act, section 26, MCL 493.76 - prohibits making a false, misleading, or deceptive advertisement regarding secondary mortgage loans or the availability of secondary mortgage loans.For loans where the licensee/registrant acts as the lender, and the loan is transferred or assigned, the MBLSLA requires the licensee/registrant to retain copies of the promissory note, mortgage, land contract, truth-in-lending disclosure statements, and settlement statements for 3 years after the date the mortgage loan is transferred or assigned.The MBLSLA also requires the licensee/registrant to retain all documents pertaining to a rejected application for a mortgage loan for the period of time required by state and federal law.DIFS may check for compliance with all state and federal laws pertaining to mortgage activity, including, but not limited to: Mortgage Brokers, Lenders, and Servicers Licensing Act (MCL 445.1651 - 445.1684) Secondary Mortgage Loan Act (MCL 493.51 - 493.81) Consumer Mortgage Protection Act (MCL 445.1631 - 445.1645) Mortgage Lending Practices Act (MCL 445.1601 - 445.1614) Mortgage Loan Originator Licensing Act (MCL 493.131 - 493.171) Regulation B Regulation X Regulation Z Title 16 - Standards for Safeguarding Consumer Information (16 CFR 314.3) Title 16 - Identity Theft Rules (16 CFR 681.1) Copies of the state laws can be found on the DIFS website at of the federal laws (Reg.B, X, and Z) can be found on the FDIC website at of Title 16 can be found on the following website: The notice must contain DIFS' current phone number.As of 9/29/2010, the telephone number is 877-999-6442.Books and records of the licensee/registrant may be kept at a location of its choosing.If the documents are not made available in the State of Michigan, the licensee/registrant is required to pay the reasonable travel, lodging, and meal expenses of the examiners that travel out-of-state to review them, as provided by the Mortgage Brokers, Lenders, and Servicers Licensing Act, section 21(1), MCL 445.1671, and the Secondary Mortgage Loan Act, section 17(3), MCL 493.67.The major difference is the time frame for which the documents must be maintained.Documents kept pursuant to the SMLA are only required to be maintained for a period of 2 years.