CIVIL CODE,DIVISION 3,HEADING,PARTICULAR,TRANSACTIONS,ENACTED,LOAN,CHAPTER,MORTGAGE LOANS,EVIDENCE,DEBT,MEANS,NOTE,NEGOTIABLE INSTRUMENT,SECRETARY,THE SECRETARY,THE BUSINESS,CONSUMER SERVICES,HOUSING,C,THE DIRECTOR,DEPARTMENT,THE AGENCY,LICENSES,ORGANIZATIONS,PERSONS,ENGAGED,BUSINESS,RELATED,COMPLIANCE,SECURITY,DOCUMENT,MORTGAGE,CONTRACT,DEED OF TRUST,REAL ESTATE SALES CONTRACT,CONNECTION,PURPOSE,FINANCE,PURCHASE,CONSTRUCTION OF,REAL PROPERTY,THE BORROWER,FEWER,RESIDENTIAL,UNITS,ARE TO,EFFECTIVE,SEPTEMBER 26,JULY 1,INSTRUMENT,PROVISIONS,SHALL,MEET,REQUIREMENTS,STANDARDS,ADJUSTMENT,INTEREST RATES,MONTHLY,PAYMENTS,CONSIDER,FACTORS,AFFECT,ABILITY,BORROWERS,CHANGE,INTEREST,PROVISION,VARIABLE,INTEREST RATE,VALID,UNLESS,FORTH,DOCUMENTS,STATEMENT,ATTACHED,PRINTED,WRITTEN IN,SIZE,EQUAL TO,POINT,BOLD TYPE,CONSISTING OF,LANGUAGE,AUTHORIZED,CHANGES,PRINCIPAL,BALANCE,PAYMENT,TERM,DUE DATE,INSTALLMENT,NOTICE,THE BASE,INDEX,RECENTLY,PUBLISHED,DATE,THE CHANGE,RATE,AMOUNT,UNPAID PRINCIPAL BALANCE,SCHEDULED,PAID,ADDRESS,TELEPHONE NUMBER,THE OFFICE,LENDER,INQUIRIES,CHARGE,RATE OF INTEREST,THE MOVEMENT,EXTENT,LESS THAN,THE MONTH,WITH RESPECT TO,PAYABLE,INSTANCE,MANNER,LIMITED,BORROWER,OPTIONS,CIRCUMSTANCES,PRIOR,EXECUTION,FULL,COMPLETE,DISCLOSURE,NATURE,COSTS,SAVINGS,ATTRIBUTED,JANUARY 1,SECTION,ADJUSTABLE RATE,MORTGAGE LOAN,CREDIT,PERSONAL,FAMILY,HOUSEHOLD,BEARS,SUBJECT TO CHANGE,WHETHER,PREDETERMINED,LESS THAN ONE,DWELLING,PERSON,ASSOCIATION,CORPORATION,PARTNERSHIP,LIMITED PARTNERSHIP,BUSINESS ENTITY,MONTH,PERIOD,LOANS,SALES,OFFERING,RECENT,AVAILABLE,PUBLICATION,THE FEDERAL RESERVE,BOARD,THE PUBLIC,DESCRIPTIVE,INFORMATION,ADJUSTABLE RATE MORTGAGES,ENTITLED,CONSUMER,HANDBOOK,REQUEST,OR AT,SAME TIME,WRITTEN,DIRECT MAIL,ADVERTISING,WHICHEVER,ENJOINED,COURT,JURISDICTION,ACTUAL DAMAGES,THE ACTION,REASONABLE,FEES,DETERMINED,THE COURT,ORDERS,NECESSARY,PREVENT,FUTURE,VIOLATIONS,ADJUSTABLE RATE MORTGAGE,TITLE 12 OF THE CODE OF,FEDERAL REGULATIONS,SUBDIVISION,ACCORDANCE,DISPLAY,AREA,LENDERS,OFFICE,OPEN,