This form is used by a loan broker or lender when arranging a consumer mortgage, to notify the borrower the loan broker or lender may collect no fees prior to borrower's receipt of the Loan Estimate other than for obtaining the borrower?s credit history, and to provide the borrower with mortgage options from multiple lenders. [12 Code of Federal Regulations §§1026.36(e); 226.19(a)(1)(ii)]