The change in March 2023 was not a brand‑new sentence printed onto the Fannie Mae 1003 itself, but a new, mandatory companion disclosure/form requirement tied to the URLA package: lenders now must collect the Supplemental Consumer Information Form (SCIF, Form 1103) for loans with application dates on or after March 1, 2023, when selling to the GSEs.

What actually changed in March 2023

  • Starting with applications dated on or after March 1, 2023, loans sold to Fannie Mae and Freddie Mac must include the Supplemental Consumer Information Form (SCIF, Form 1103).
  • This SCIF captures two main things:
    • Borrower’s preferred language, to better serve borrowers with limited English proficiency.
    • Homeownership education and counseling information.

In practice, many lenders and trainers refer to this as a “new disclosure added to the 1003,” because it travels with the URLA and is usually presented in the same initial application package, even though technically it is a separate form (Form 1103 rather than Form 1003).

How it shows up in the application package

For a typical loan file after March 1, 2023:

  • The familiar Uniform Residential Loan Application (URLA/1003) is still the core application.
  • The SCIF (Form 1103) is now a standard part of the disclosures set that accompany the 1003 for GSE‑bound loans.
  • Borrowers will usually see:
    • A brief explanation that the form asks about language preference.
    • A section to indicate if they completed homebuyer education or counseling, and with which provider.

So, when someone asks, “What new disclosure was added to the 1003 in March of 2023?” the accurate, concise answer in industry terms is:

The Supplemental Consumer Information Form (SCIF, Form 1103) requirement became mandatory for GSE‑sold loans with application dates on or after March 1, 2023, and is treated as the new disclosure riding with the 1003.

Information gathered from public forums or data available on the internet and portrayed here.