Requirements, Defined Terms, and Citations
Individual requirements in Winnow contain a lot of useful information. The requirement text itself isn't just a summary of the law. Instead, it's an easier-to-read format of the underlying regulation or statute made by skilled attorneys.
Requirement Header
Name
Each requirement has a unique name created by combining the jurisdiction and requirement ID—for example, California - #15760.
Version Count
The version count shows when a requirement has more than one historical version. Clicking this link allows you to compare changes over time.
Requirement Options
You can find these options in the top-right of the page, opposite the requirement name.
Compare History
Click this to open the Compare Versions table and compare two requirement versions. You can also access this table by clicking the version count link underneath the requirement title.
Print to PDF
Opens the print dialog window, allowing you to print or export to PDF.
Requirement Details
Jurisdiction
The state or territory where the requirement is applicable.
Citation(s)
A list of citations that apply to the underlying requirement.
Requirement Text
The text of the underlying statute or requirement. Citation links included in the text open the actual citation language when clicked.
Trigger & Timing
If applicable, these fields contain information on what triggers the requirement and the timing to fulfill it.
Beginning & Ending Effective Dates
It shows the date range when the requirement became effective. For requirements with multiple versions, you can compare changes across these date ranges.
Disclosures
Contains information related to disclosures where applicable. These values include:
Provided By/To
Oral/Written
Format/Placement
Prescribed or Model Language
Applicability
Contains information about the applicability of the underlying requirement. It may also include product-specific values, including the following:
Product Type
Open/Closed End
Fixed/Adjustable Rate
Property Type
Maximum Number of Properties
Occupancy
Loan Purpose
Finance Purpose
Lien Position
Loan Amount Thresholds
Loan To Value
Entities
Licenses
Requirement Sidebar
Defined Terms
This is a list of terms mentioned in the requirement text. Expanding each term section shows a definition summary and links to the citation and detail page.
Attachments
This is a list of attachments relevant to the requirement. Clicking on an attachment link will open it in the browser (for PDF files) or download it (for other file types like Word, etc.).
Winnow also tracks changes to Defined Terms and Attachments when comparing requirement versions. You’ll see a corresponding indicator next to these items noting when they were added, removed, or updated.