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CFPB Integrated Mortgage Disclosures

Days Until the Integrated Mortgage Disclosure Rule Goes into Effect

The closing process will significantly change when the Consumer Financial Protection Bureau's fine rule for integrated mortgage disclosures goes into effect Aug. 1, 2015. The rule integrates forms required under the Truth-in-Lending Act (TILA) and Real Estate Settlement and Procedures Act (RESPA). A Loan Estimate will replace the current Good Faith Estimate and early TIL disclosure, while a Closing Disclosure will replace the HUD-1 and final TIL disclosure. The CFPB has given an implementation deadline of August 1, 2015.

Education/Training DVD

ALTA's Land Title Institute has created a training DVD to help you prepare for the disclosures. The DVD includes six modules that will help you understand the disclosures, including an introduction, what led to the development of the new disclosures, a step-by-step explanation of the Loan Estimate and Closing Disclosure, a discussion onhow business processes will change, walk through how business relationships will change and how data will be shared, and additional resources and next steps.

A customizable model presentation also is available to guide discussions with your customers.

Order from the ALTA Store or print and complete the order form.

2015 TRID Forum Recording

Purchase a recording of the TILA-RESPA Integrated Forum held in Dallas. The more than seven hours of discussion provides the latest interpretations and rules on the TILA-RESPA integration from the CFPB, addresses implications for closing/settlement, provides information on completing the Loan Estimate and Closing Disclosure, highlights how technology can be used to collaborate and solve compliance issues and explains how the entire real estate transaction will be changed.

Additional Documents and Resources

ALTA Settlement Statement

ALTA developed standardized ALTA Settlement Statements for title insurance and settlement companies to use to itemize all the fees and charges that both the homebuyer and seller must pay during the settlement process of a housing transaction. Four versions of the ALTA Settlement Statement are available. Download here.

Data standards

Freddie Mac and Fannie Mae have released a common industry dataset, called the Uniform Closing Dataset, which leverages and maps to Mortgage Industry Standards Maintenance Organization (MISMO) data standards, to support implementation of the TILA-RESPA Closing Disclosure form.


  • 5 Key Areas to Prime Your Operation for the New Closing Process (webinar recording from February 2015)
    • The webinar addresses:
      • key aspects and the dynamic nature of the Closing Disclosure
      • why collaboration between settlement agents and lenders will be paramount
      • the importance of timing and accuracy
      • formatting and disclosure of fees, including issues with how simultaneous title insurance fees must be disclosed
      • what to expect at the closing table
    • Download a copy of the presentation
  • New Era In Closings Prepare Now for the CFPB's Integrated Mortgage Disclosures (webinar recording from May 2014)
    • Learn about some the biggest workflow and process challenges as the industry prepares to transition from today’s HUD-1 and GFE to the Closing Disclosure and Loan Estimate.
  • Video recording of general session panel “What Does the CFPB Mortgage Disclosure Rule Mean to You?” from the 2014 Business Strategies Conference – March 13, 2014
  • Audio recording of professional development session “The Closing Disclosure Form - From start to Finish” – March 13, 2014
  • Click here to view past presentations


Follow ALTA’s blog for updates and analysis of the rule, as well as answers to questions about the disclosures that were submitted to ALTA. Sample posts:

ALTA Congressional Testimony

Examining Regulatory Burdens on Non-Depository Financial Institutions (Financial Institutions and Consumer Credit)

Diane Evans - April 15, 2015

Regulatory Burdens to Obtaining Mortgage Credit (United States Senate Committee on Banking, Housing & Urban Affairs)

Statement for the Record - April 16, 2015

Legislative Proposals to Improve Transparency and Accountability at the CFPB

Rob Chapman - May 20, 2014

Submit Your Questions/Comments about the rule to ALTA here


What You Can Do

Join the Title Action Network to keep up-to-date about the rule and how you can take action.

Report RESPA Violations

If you want to report a possible violation of the Real Estate Settlement and Procedures Act (RESPA), email Include any evidence and contact information so that investigators may contact you. To the extent consistent with law enforcement needs, the Bureau will not disclose your identity and will maintain confidentiality as permitted by federal laws.

News on the Consumer Financial Protection Bureau

May 1, 2015 ALTA, MBA Partner for Sixth TRID Forum
Due to high demand, ALTA and the MBA have collaborated to offer an additional TILA-RESPA Integrated Disclosure Forum to educate industry about the Consumer Financial Protection Bureaus new Loan Estimate and Closing Disclosure, which go into effect Aug. 1 for most closed-end consumer mortgages. The forum will be held June 23 in Denver.
April 30, 2015 ALTA Survey Finds 91% of Title Professionals will be Ready for TRID Implementation
While most title professionals indicated they will be prepared for implementation come Aug. 1, 87 percent believe the TILA-RESPA Integrated Disclosures will delay closings or result in closings taking longer to complete.
April 30, 2015 Regulators Target Execs at Defunct Title Company, Loan Officers in Kickback Scheme
In a complaint filed in federal court, the Consumer Financial Protection Bureau and the Maryland Attorney Generalalleged that executives of Maryland-based Genuine Title and several loan officers traded cash and marketing services in exchange for mortgage referrals.
April 30, 2015 CFPB to Hold Webinar on TRID Rule
The Consumer Financial Protection Bureau will hold its fifth and final webinar on its TILA-RESPA Integrated Disclosures (TRID) rule from 2:00-3:00 p.m. EDT, Tuesday, May 26, to answer some frequently asked questions.
April 30, 2015 eLynx Launches TRID Compliance Solution
eLynx has announced Expedite ID (Integrated Disclosures), a compliance solution that fulfills lenders’ requirements for complying with the CFPB's TILA-RESPA Integrated Disclosures rule that goes into effect Aug. 1.
April 30, 2015 ALTA Needs Real-life Examples of How Consumers are Affected by Failed, Delayed Closings
Sharing real-life examples of how regulations work on Main Street also go a long way in helping members of Congress relate to a situation. In May, Evans will testify before Congress about the Consumer Financial Protection Bureau’s TILA-RESPA integrated disclosure (TRID). ALTA is asking members to provide real-life examples of why transactions did not close. Was something discovered during the walk-through? Were concessions made at the last minute? Was there an issue with the lender? We know you all have stories, so please share the details—the more specific the better.
April 30, 2015 SoftPro Announces Closing Disclosure Training Registration
SoftPro customers can register for a variety of Closing Disclosure “On-the-Road” classes or webinar training sessions.
April 30, 2015 ALTA Board Approves Model Settlement Statements
The ALTA Board of Governors approved recommendations to adopt four new model ALTA Settlement Statements for title insurance and settlement companies to use in order to itemize all the fees and charges involved in the transaction. Settlement statements are currently used in the marketplace in conjunction with the federal HUD-1. The ALTA Settlement Statements are not meant to replace the Consumer Financial Protection Bureau's Closing Disclosure, which goes into effect on Aug. 1, 2015.
April 23, 2015 SunTrust Shares TRID Plans; Requires ALTA Best Practice Self Assessment by July 1
While SunTrust will handle production and delivery of the Closing Disclosure to the homebuyer, title and settlement agents will need to provide complete and accurate fees up to two weeks prior to the scheduled closing date. In addition, settlement service providers must complete an ALTA Best Practice Self Assessment by July 1 to remain eligible to close loans for SunTrust.
April 23, 2015 Tolerances with the TILA-RESPA Integrated Disclosures
Similar to existing law, the Consumer Financial Protection Bureau’s final TILA-RESPA rule restricts the circumstances in which consumers can be required to pay more for settlement services than the amount stated on their Loan Estimate. Read on to learn more about tolerances under the new rule and check out a chart that outlines which fees can and can't change.
More CFPB Articles

For More Information Contact

    Justin B. Ailes
Vice President of Government & Regulatory Affairs
Phone: 202-296-3671 Ext. 215
Contact Me About: Federal Legislative and Regulatory Issues, NAIC

    Steve Gottheim
Legislative & Regulatory Counsel
Phone: 202-296-3671 Ext. 230
Contact Me About: Federal Legislative and Regulatory Issues, Legal Issues, Best Practices Inquiries

    Benjamin P. Lincoln
Director of Government Affairs
Phone: 202-296-3671 Ext. 220
Contact Me About: Government Affairs

    Jessica McEwen
Director of Political Affairs
Phone: 202-296-3671 Ext. 233
Contact Me About: Federal Legislative and Regulatory Issues, TIPAC

    S. Madeleine Nagy
Director of State Government Affairs
Phone: 202-296-3671 Ext. 329
Contact Me About: State Government Affairs Issues

    Ashley Sadler
Associate Legislative and Regulatory Counsel
Phone: 202-296-3671 Ext. 239
Contact Me About: Federal Legislative and Regulatory Issues, Legal Issues, Best Practices Inquiries

    Awesta Sarkash
Grassroots and Advocacy Coordinator
Phone: 202-296-3671 Ext. 212
Contact Me About: Title Action Network (TAN) Inquiries

    Wayne M. Stanley
Manager of Public Affairs
Phone: 202-296-3671 Ext. 221
Contact Me About: Social Media, Press Releases, Title Action Network (TAN) Inquiries

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How To Find Us:
American Land Title Association
1800 M Street, NW, Suite 300S
Washington, D.C. 20036-5828
P. 202.296.3671 F. 202.223.5843
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