Legal Question in Real Estate Law in California

Re: Federal truth in lending

It would be for sure if the purpose or effect was to defraud the borrower. If the alteration had no material consequences, however, (such as correcting a Zip code), I'd say this was an insufficient ground to invalidate the document or give cause for civil suit or criminal charges. The law would take a practical rather than technical approach to assessing the wrongfulness of the alteration.