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Question: When do we start using the new home equity notice from the recent constitutional amendment?
Answer: After the vote is canvassed, making this official. That date is December 4.
Question: What if we have already given the old notice but we are closing the loan after December 4. Does the old notice suffice?
Answer: To be completely safe, give the new notice (after December 4) and start the twelve days running again.
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