Individual borrower files and individual servicer files; clarify and revise the required contents of.

The bill version label changed from 'Committee Substitute' to 'As Passed the Senate,' indicating the bill advanced through the legislative process without content changes.

Added new Section 1(2) requiring individual servicer files to contain specific documents including initial and final loan applications, closing statements, modification agreements, collection letters, and pay/comment history.

Modified Section 1(1)(g) to clarify that only federal disclosures required by federal law must be retained, removing ambiguity about state-level disclosure requirements.

Modified closing statement requirements to specify they must be as required by HUD when federal law mandates them.

Modified loan estimate requirements to specify they must be provided when required under federal law.

Modified appraisal requirements to specify they apply when procured as part of the loan application process.

Modified final application requirements to specify it must be a Uniform Residential Loan Application, with alternatives for small loan licensees.

Added exemptions allowing small loan licensees under Mississippi's Small Loan Regulatory Law to use alternative applications compliant with federal and state law.

Added specific exemption for manufactured homes constructed off-site and transported to installation sites.