Yep, I'm five months into the process, but I still need to ask this question:

Maryland has a requirement to provide a "Notice of Housing Counseling" which is very similar to the one required by Reg Z and provided by the CFPB.

Will someone please advise if we must use Maryland's in place of the Bureau's? The requirements are a bit different from the Bureau's so I'm thinking we must use Maryland's instead.

Advice will be appreciated.