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MSU Federal Credit Union | Disclosures | Home Loans

Mortgage & Home Loan Disclosures

Why Did My Statement Change?
This change is being implemented in response to a new regulation enacted by the
Consumer Financial Protection Bureau (CFPB). The CFPB formed this regulation in an effort to better educate homeowners about their mortgage loans including payment amount, due date, and late payments. 


How to Read Your Statement

Click to Download Mortgage Statement ExplanationYou may have noticed some recent changes in your monthly mortgage statement from MSUFCU. Click the Download button to view a complete explanation of your new MSUFCU mortgage statement.​


Frequently Asked Questions

What is the CFPB? 
Created under the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank), the Consumer Financial Protection Bureau (CFPB) is the federal agency that holds primary responsibility for regulating consumer protection with regard to financial products and services in the United States. 


Can I stop receiving these statements in the mail? 
MSUFCU is working on converting the statements to eStatements for members who have opted in to paperless statements. 


How does this impact my payment method? 
The new statement format does not impact your payment method. If you are set up to automatically pay on a certain date, your payments will continue as scheduled. 


Does ‘Outstanding Principal’ under Account Information reflect the amount I would have to send in to pay my loan in full? 
‘Outstanding Principal’ reflects only the principal balance remaining on your account. You may call MSUFCU to request a payoff statement.