Which Minnesota law requires the disclosure of unique identifiers on loan applications?

The Minnesota S.A.F.E. Act is the correct answer because it specifically mandates that loan originators disclose unique identifiers on loan applications. This law was enacted to enhance the clarity and accountability of mortgage lending by ensuring that each loan originator has a distinct identifier, allowing consumers to track their history and performance more easily. The requirement aligns with the principles of transparency and consumer protection inherent in the S.A.F.E. Act, which is designed to establish a nationwide licensing and registration system for mortgage loan originators.

Other laws mentioned may have parallel objectives in consumer protection or disclosure, but they do not specifically focus on the requirement for unique identifiers. The Mortgage Disclosure Act primarily deals with the disclosure of loan terms and conditions, while the Residential Mortgage Act outlines broader regulations around mortgage practices in Minnesota. The Truth in Lending Act addresses the disclosure of credit terms but does not specifically emphasize unique identifiers for loan originators. This specificity in the Minnesota S.A.F.E. Act makes it the relevant law in this context.