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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.

Submit Your Questions/Comments about the rule to ALTA here

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ALTA Blog

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:

Additional Information and Resources

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.

Presentations/Webinars

  • 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

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

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 whistleblower@cfpb.gov. 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

April 21, 2015 The Need for Electronic Collaboration: Solutions to Effectively Share Data for TILA-RESPA Integrated Disclosures
Title Topics | 2:00-3:00 p.m. EDT | April 28
Because the CFPB’s TILA-RESPA integrated disclosures pull information from two separate systems, electronic collaboration between title professionals and lenders will be paramount to complete the CFPB’s new Loan Estimate and Closing Disclosure. But how can loan-centric information stored in lenders’ loan origination systems and property-centric data found in title/settlement agents’ systems be shared efficiently? Register for ALTA's next Title Topics webinar from 2:00-3:00 p.m. EDT, Tuesday, April 28, as operations and IT experts discuss solutions to technology challenges so you can effectively exchange data during different points of the transaction, get deals closed and ensure regulatory compliance.
April 16, 2015 Survey: 40 Percent of Lenders Not Ready for TRID
According to the same survey conducted by Capsilon Corporation, only 12 percent of participating lenders reported that that they are “very prepared” to meet the requirements of the TILA-RESPA integrated disclosure rule.
April 16, 2015 ALTA President Highlights Issues with TRID during Congressional Hearing
During a hearing on April 15 before a subcommittee of the House Financial Services Committee, ALTA President Diane Evans NTP outlined ways to improve the Consumer Financial Protection Bureau’s TILA-RESPA integrated disclosure rule so industry can better serve consumers.
April 16, 2015 Recorded Webinar: 5 Key Areas to Prime Your Operation for the New Closing Process
The new Loan Estimate and Closing Disclosure will fundamentally change how closings are handled. In order to comply with the new accuracy and delivery requirements that go into effect Aug. 1, title and settlement companies must reengineer their processes and improve collaboration with lenders. Listen to this recording from ALTA's February Title Topics webinar as panelists address 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 and issues with how simultaneous title insurance fees must be disclosed. Plus, the webinar walks through issues you can expect at the closing table.
April 16, 2015 ALTA Develops TILA-RESPA Integrated Disclosure Training Tools
ALTA has produced a TILA-RESPA Integrated Disclosure training DVD to help the industry prepare for the Aug. 1 implementation of new the new forms. The two and a half hour training DVD addresses key components of the 1,888 pages of the CFPB Rule, related regulatory action impacting work flow changes, how to collaborate with customers to prepare for implementation, and provides a detailed review of the new Loan Estimate and Closing Disclosure. Additionally, ALTA has developed customizable Lunch and Learn presentations to guide implementation discussions with real estate customers.
April 16, 2015 Take ALTA's TRID Implementation Survey
Many title and settlement professionals are doing all they can to prepare for implementation of the new TILA-RESPA integrated disclosures (TRID), however, some aren’t sure what steps they should take next. To help our industry best prepare for implementation, please take ALTA’s TRID readiness survey. The survey will help ALTA develop additional tools and resources for members as the Aug. 1 implementation deadline approaches.
April 16, 2015 CFPB Details TRID Compliance Focus in Exam Manuals
The Consumer Financial Protection bureau on April 1 released updates to the exam procedures for the new TILA-RESPA integrated disclosure rule that goes into effect Aug. 1, 2015. The bureau said the updates offer guidance on how the CFPB will conduct examinations for compliance with the Loan Estimate and Closing Disclosure, which must be used for most closed-end consumer mortgage loans beginning Aug. 1.
April 16, 2015 Registration Opens for Closing Insight
To help meet mandated delivery requirements under the TILA-RESPA integrated disclosure rule, RealEC Technologies launched a new online solution for lenders and settlement providers to collaborate and reconcile Closing Disclosure fees on a single platform. Registration for Closing Insight opened April 15.
April 16, 2015 Helpful Chart to comply with TRID Three-day Delivery Rule
Due to liability issues, many lenders will handle production and delivery of the Closing Disclosure. Other lenders may opt to rely on their network of settlement agents to produce the disclosure and provide it to the homebuyer. It's important to communicate with your lenders to learn how they will handle this process. If your company expects to handle these duties, do you know how to comply with the regulation’s delivery requirements? Use this graphic to help determine when the Closing Disclosure should be sent to ensure the buyer receives it three days prior to consummation of the transaction.
April 14, 2015 House Passes Points and Fees Legislation
The U.S House of Representatives on Tuesday by a vote of 286-140 passed the Mortgage Choice Act (HR 685), a bill introduced by Rep. Bill Huizenga (R-Mich.) that would exclude fees a lender pays to an affiliated title company from the 3 percent cap on points and fees under the Consumer Financial Protection Bureau's Qualified Mortgage rule. While the bill passed the House by a vote of 286-140, ALTA believes Senate Democrats are likely to oppose the legislation. Additionally, the White House issued an administrative policy statement saying it will veto any points and fees legislation because it "would weaken key consumer protections and provisions of the Dodd-Frank Wall Street Reform Act."
April 14, 2015 Learning from CFPB Enforcement
Every day, ALTA works to help its members understand and comply with regulatory requirements. Often, those requirements are up for interpretation and the path forward is unclear. A good way to learn a regulator's current line of thinking is to look at their recent activity.
April 14, 2015 ALTA President to Testify Before Congress on Wednesday
Diane Evans NTP will testify before a subcommittee of the House Financial Services Committee on Wednesday, April 15 during a hearing titled “Examining Regulatory Burdens on Non-Depository Financial Institutions.” Evans will share with the Financial Institutions and Consumer Credit Subcommittee modifications and clarifications that should be made to improve the Consumer Financial Protection Bureau’s TILA-RESPA integrated disclosure rule. She also will encourage members of the subcommittee to support legislation to improve the way that the bureau protects consumers and works with businesses. The hearing starts at 1 p.m. ET, Wednesday. Click here to view the witness list and watch the testimony live.
April 9, 2015 Requirements for Delivery of the Closing Disclosure
The CFPB provides many details on requirements for production and delivery of the Closing Disclosure. Read on for information about fee disclosure, timing, accuracy, role of the settlement agent, how to handle multiple consumers and rescindable transactions.
April 9, 2015 Couldn’t Join Us in Philly? Watch Recordings of General Sessions From the Business Strategies Conference
The general sessions featured ALTA President Diane Evans, who talked about the importance of educating business partners about the TILA-RESPA integrated disclosures; a panel of lenders who shared how financial institutions are preparing for the new rules; and a panel of industry experts who addressed key operational challenges that title professionals can expect once they start using the new disclosures.
April 9, 2015 Trivia Time: Test Your Knowledge of the CFPB's Integrated Mortgage Disclosures
To gauge industry knowledge of the Consumer Financial Protection Bureau's rule for integrated mortgage disclosures, ALTA will be asking questions about the rule over the next several months. Today's question is: How many days before consummation of the transaction must a creditor provide the Closing Disclosure to the consumer?
April 2, 2015 Members of Congress Urge CFPB to Follow Restrained Enforcement for TRID
Reps. Blaine Luetkemeyer and Randy Neugebauer asked the Consumer Financial Protection Bureau to follow a “hold harmless” period of restrained enforcement and liability through the end of 2015 following the Aug. 1 implementation of the TILA-RESPA integrated disclosures.
April 2, 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.
April 2, 2015 ALTA Urges CFPB to Make Changes to Mortgage Shopping Toolkit
The Consumer Financial Protection Bureau on April 1 released its “Your Home Loan Toolkit” that guides consumers through the process of shopping for a mortgage and buying a house. While the new toolkit is a good resource and provides valuable information for consumers in an understandable manner, ALTA requests the bureau make three changes to better inform consumers about title insurance and the costs of owning a home.
April 2, 2015 Update on Legislation Affecting the CFPB
The House Financial Services Committee approved a bill that would create a small business advisory board at the Consumer Financial Protection Bureau (CFPB), while legislation was introduced in the Senate that would require a 10-year regulatory review of the bureau and the Dodd-Frank Act.
April 2, 2015 CFPB Updates Exam Procedures for New Disclosure Rules
The updates offer guidance on how the CFPB will conduct examinations for compliance with the Truth in Lending Act and Real Estate Settlement Procedures Act.
April 2, 2015 Software Providers Offer Solutions to Support Creation of TRID
RealEC Technologies, a division of Black Knight Financial Services, and Ellie Mae have made announcements that will help industry participants produce the Consumer Financial Protection Bureau’s TILA-RESPA integrated disclosures. RealEC will begin accepting registration for Closing Insight on April 15, while Ellie Mae reports that its Encompass loan origination system is ready to handle the new forms.
March 26, 2015 Title Industry Drives Toward TRID Implementation Date Despite Rumor of Delay
ALTA President Diane Evans NTP said ALTA members continue to prepare for the Aug. 1 implementation of the Consumer Financial Protection Bureau’s TILA-RESPA integrated disclosures and remain focused on collaborating with mortgage and real estate partners to comply with the new regulations. Her comments followed some rumors that the CFPB may consider delaying the implementation of TRID. CFPB officials, however, said the bureau has no plans to delay implementation.
March 26, 2015 Setting Expectations: Lenders Discuss How TRID Will Change Closing Process
With lenders ultimately liable for the delivery and accuracy of the Closing Disclosure, many lenders are already making the decision that they will produce and provide the Closing Disclosure to buyer. Read on to learn how several lenders plan to handle the Closing Disclosure, what expectations they have from their title and settlement partners, how they expect to share data in order to comply with the regulations and the importance of reading lenders' closing instructions.
March 26, 2015 ALTA is Your One-stop Shop for Information on Implementation of the New Closing Disclosure
The Aug. 1, 2015 deadline to implement the CFPB's integrated mortgage disclosures will be here before we know it. There is no staggered roll out this time around, so you need to be ready come August. It is essential title professionals assess their operations now in order to understand what process changes will need to be made. ALTA has developed and compiled a wealth of resources and information to help members prepare. From educational forums, webinars, blogs and news articles, check out what's available.
March 26, 2015 TILA or RESPA: Which Trumps the Other for the CFPB’s Integrated Disclosures?
While the Dodd-Frank Act directed the Consumer Financial Protection Bureau to integrate mortgage disclosures required by the Real Estate Settlement Procedures Act and Truth-in-Lending Act, Congress did not provide direction on which statute trumps the other in terms of liability. Read on for analysis on which statute overrides the other in terms of liability and learn what penalties you could face for compliance violations.
March 24, 2015 Title Professionals Can Turn Compliance Challenges into Opportunities
Successful title professionals will need to navigate a shifting market while preparing for the new integrated mortgage disclosures, implementing Best Practices to help lenders meet third-party vendor oversight requirements and increased regulatory pressure, including renewed focus on RESPA compliance. While there are a number of changes and challenges, there's ultimately opportunities for businesses to embrace compliance and use it as a competitive advantage.
March 19, 2015 ALTA President: ‘Collaboration Starts Now’
March 19, 2015 SoftPro Delivers Closing Disclosure Upgrade to First Customer
March 19, 2015 ALTA Joins 15 Other Organizations Urging CFPB to Follow ‘Grace Period' for TRID Compliance
March 19, 2015 Wells Fargo Outlines Settlement Agent Expectations, Plans to Improve Data Exchange and Accuracy of Fees
March 19, 2015 Bank of America Details Settlement Agent TRID Compliance Responsibility
March 19, 2015 Get Familiar with the Other Three Day Rule Related to Appraisals
March 19, 2015 How to Comply with the Closing Disclosure's Three-day Rule
March 18, 2015 Register to Watch Livestream of March 26 TILA-RESPA Integration Forum
TILA-RESPA Integration Forum | Chicago | March 26
March 12, 2015 New York Community Bank Details TRID Solutions
March 12, 2015 Union Bank Outlines New Closing Process to Accommodate CFPB Disclosures
March 12, 2015 BeesPath Launches System to Facilitate TRID Collaboration, Compliance
March 12, 2015 Chase Details Plans for Closing Disclosure Production, Delivery
March 12, 2015 SoftPro Unveils Closing Disclosure Solution
March 12, 2015 Agents National Unveils Quick Quote Generator for Simultaneously Issued Residential Policies
March 12, 2015 MISMO Releases New Reference Model
March 5, 2015 ALTA Requests 5-month Restrained Enforcement for CFPB Disclosures
March 5, 2015 Checklist to be Ready for TRID Implementation
March 5, 2015 Two Opportunities Remain to Attend a TRID Forum
March 3, 2015 Register to Watch Via Livestream the March 5 TILA-RESPA Integration Forum
TILA-RESPA Integration Forum | Dallas | March 5
March 3, 2015 CFPB Director Cordray to Testify Today Before House Financial Services Committee
CFPB Monitor | March 2, 2015
February 26, 2015 GSEs Publish Uniform Closing Dataset Delivery Specification
February 26, 2015 ALTA President to Participate on HousingWire TILA-RESPA Webinar
February 25, 2015 Register for Today's Webinar: 5 Key Areas to Prime Your Operation for the New Closing Process
Title Topics Webinar | 2:00-3:00 p.m. ET, Feb. 25
February 19, 2015 Collaboration with Business Partners Key to Meeting Requirements of Integrated Mortgage Disclosures
February 19, 2015 Questions to Ask Your Lenders, Tech Vendors about the Uniform Closing Dataset
February 19, 2015 See What You’re Missing: Next RESPA-TILA Integration Forum on March 5 in Dallas
February 12, 2015 DocMagic Implements MISMO Version 3.3 in Support of the CFPB’s Integrated Disclosures
February 12, 2015 New Mortgage Disclosures Provide Marketing Opportunity for Title Professionals
February 6, 2015 Why New CFPB Closing Form Is Driving Lenders 'Crazy'
National Mortgage News | February 5, 2015
February 5, 2015 What Document Should Be Used for Sellers After August 2015?
February 5, 2015 Lenders Won’t Tolerate Last-minute Changes at Closing
February 5, 2015 ALTA Says New CFPB Integrated Mortgage Forms Disclose Inaccurate Title Policy Fees
February 3, 2015 ALTA Urges CFPB to Improve Consumer Complaint Portal
January 29, 2015 Register for a RESPA-TILA Integration Forum, Prepare for Implementation and Network with Lenders
January 29, 2015 Technology Solution Helps Speed Up Closings
January 29, 2015 CFPB Finalizes Minor Changes to Rules for Integrated Mortgage Disclosures
January 27, 2015 Survey: 10 Percent of Community Banks Consider Exiting Residential Business
January 15, 2015 U.S. Supreme Court Clarifies Homeowners' Ability to Rescind Mortgages
January 15, 2015 Trivia Time: Test Your Knowledge of the CFPB's Integrated Mortgage Disclosures
January 15, 2015 Follow ALTA’s Blog for Updates on the CFPB’s Integrated Mortgage Disclosures
January 15, 2015 GSE Uniform Closing Dataset Supports Implementation of New Closing Disclosure
January 15, 2015 Get Ready for a New Dawn in Closings
Five One-day Session Across the United States
January 13, 2015 CFPB Launches Owning a Home Tool
January 8, 2015 Bank of America, Wells to Handle Production and Delivery of CFPB’s Closing Disclosure
January 8, 2015 CFPB eRegulations Shows Changes for RESPA-TILA Integrated Disclosure Rules
December 23, 2014 Bank of America to Handle Production, Delivery of Closing Disclosure
December 16, 2014 Wells Fargo Provides Additional Details on Closing Disclosure, Role of Settlement Agent
December 11, 2014 CFPB Creating Form for Companies to ‘Proactively Participate’ in Online Complaint Portal
December 9, 2014 Conquering the Loan Estimate Part 2: Disclosing Points and Fees
November 18, 2014 ALTA Urges CFPB to Correct Listing of Title Insurance on Closing Disclosure
October 29, 2014 Transitioning to Integrated Disclosures
HousingWire | October 28, 2014
October 7, 2014 ALTA Offers Recommendations to Aid Implementation of the Integrated Mortgage Disclosures
October 7, 2014 ALTA Blog: How to Disclose the Discounted Premium on the Integrated Mortgage Disclosure Forms
September 30, 2014 Wells Fargo Details Plans for Production, Delivery of CFPB’s Closing Disclosure
September 30, 2014 ALTA Blog: Endorsement Fees: To Include or Not to Include?
September 30, 2014 CFPB to Host FAQ Webinar on RESPA-TILA Integrated Disclosures
September 23, 2014 ALTA Offers Suggestions to Improve CFPB’s Proposed Consumer Complaint Database
September 16, 2014 ‘Nothing in the New Forms that Will Put You Out of Business’
September 9, 2014 CFPB Updates TILA-RESPA Compliance Guides, Creates Timeline
August 26, 2014 Two ALTA Associate Members Named to CFPB E-Closing Pilot Program
August 5, 2014 Loans that the Integrated Mortgage Disclosures Must be Used
August 5, 2014 Is Consummation the Same as Closing or Settlement?
August 5, 2014 A Look at Details of CFPB Regulations for Integrated Mortgage Disclosures
August 5, 2014 The New CFPB Rule, Data Sharing and Archive
July 31, 2014 CFPB Proposal Would Create Yelp-like System for Financial Services
July 29, 2014 ALTA Meets with CFPB to Discuss Implementation Challenges of New Disclosures
July 15, 2014 CFPB to Hold Field Hearing in Texas on Consumer Complaints
June 17, 2014 House Committee Approves Bill to Create Small Business Advisory Board at CFPB
May 20, 2014 ALTA President to Testify Before Congress
May 20, 2014 Owner’s Policies Labeled 'Optional' But Education Is Not
May 13, 2014 Prepare Now for the CFPB's Integrated Mortgage Disclosures
May 13, 2014 GSEs to Hold Webinar on Uniform Closing Dataset
May 6, 2014 CFPB Seeks Participants for E-closing Pilot Program
April 29, 2014 ALTA CEO Participates in Forum Addressing Mortgage Closing Process
April 22, 2014 CFPB Releases Guide to Complete Integrated Mortgage Disclosures
April 22, 2014 View Livestream of CFPB's Forum on Improving the Closing Process on Wednesday
April 15, 2014 ALTA Discusses Calculating Simultaneous Issue Rates on New Integrated Mortgage Disclosures With CFPB
April 8, 2014 Bipartisan CFPB Reform Legislation Introduced with ALTA Input
April 1, 2014 CFPB Releases Compliance Guide for Integrated Mortgage Disclosures
March 25, 2014 ALTA Blog: What Document Should Be Used for Sellers After Aug. 1, 2015?
March 25, 2014 GSEs Publish Uniform Closing Dataset to Support CFPB’s Closing Disclosure
March 18, 2014 Top Ops Hurdles Created by CFPB Disclosures
February 11, 2014 ALTA Encourages Consumer Education, Uniformity of Documents to Improve Closing Process
January 28, 2014 CFPB Updates Settlement Cost Booklet
January 21, 2014 3 Things Not Included in the CFPB’s Final Integrated Disclosures Rule
January 8, 2014 CFPB Provides Analysis on How to Complete Closing Disclosure
January 7, 2014 CFPB Seeks Info to Improve Closing Experience
November 26, 2013 CFPB Releases Final Regulation for Integrated Mortgage Disclosures
November 19, 2013 ALTA CEO to Testify during CFPB Field Hearing on Integrated Mortgage Disclosures
November 19, 2013 Report: New Integrated Mortgage Disclosures to Go Into Effect August 2015
Bloomberg | November 19, 2013
July 16, 2013 CFPB Updates Timeline for Release of Final Mortgage Disclosure Rule
July 9, 2013 Three Things to Prepare Now for New Mortgage Disclosures
July 2, 2013 CFPB Director Acknowledges ALTA Concerns with Three-day Rule
December 18, 2012 UPDATE: CFPB Says Disclosure Testing Not Intended for RESPA-TILA Forms
November 8, 2012 ALTA Urges CFPB to Preserve Role of Independent Third-party Settlement Agents
November 1, 2012 Title Agents, Attorneys Should Prepare for Software/Hardware Changes to Accommodate Proposed Mortgage Disclosures
September 27, 2012 Tips on Commenting to CFPB About Proposed Mortgage Disclosures
September 20, 2012 CFPB: New Mortgage Disclosures Won’t Saddle Industry with Major Cost Increase
September 18, 2012 Title Agents, Settlement Service Providers Respond to Requests from Third-party Vetting Companies
September 18, 2012 Ten Associations Urge CFPB to Adopt Broad Qualified Mortgage Rule, Safe Harbor
September 13, 2012 Market Demands on Lenders Impacting Settlement Service Providers
September 11, 2012 ALTA Joins Letter Urging CFPB to Drop ‘All In’ APR Proposal
September 6, 2012 CFPB Extends Comment Period for Proposed Finance Charge Changes
August 14, 2012 ALTA Members Can Access Webinars on CFPB’s Proposed Regulations and Mortgage Disclosures
August 9, 2012 ALTA Webinar Discusses How CFPB's Proposed Three Day Rule Will Impact Business
July 31, 2012 ALTA Webinar Analyzes CFPB’s Proposed Loan Estimate and Closing Disclosure
July 17, 2012 ALTA Hosts Conference Call With More than 300 Members to Discuss CFPB Proposed Rule and Mortgage Disclosures
July 10, 2012 Some Positive Signs in CFPB’s Proposed Rule, but Industry’s Role in Transaction Could Be Threatened
June 21, 2012 ALTA President Outlines Principles for Successful Mortgage Disclosures during Congressional Hearing
June 19, 2012 ALTA President to Testify during Congressional Hearing on Mortgage Disclosures
June 19, 2012 ALTA Hosts Successful Roundtable with CFPB on New HUD-1
June 5, 2012 ALTA Urges CFPB to Improve Average-Charge Regulations
May 25, 2012 CFPB Roundtable with ALTA Members
May 10, 2012 Efforts to Create New HUD-1 Debated at Federal Conference
April 23, 2012 ALTA Comments on Final Draft of New HUD-1
April 23, 2012 Borrowers Receive Between 2-3 Good Faith Estimates Per Transaction According to ALTA Survey
April 17, 2012 ALTA Comments on Last Draft of New HUD-1; New Forms Will Be Proposed in July
April 2, 2012 New Closing HUD-1 at the Top of CFPB's Agenda Says CFPB Director to Chamber of Commerce and House Financial Services Committee
March 27, 2012 A New HUD-1 is Coming . . . Will You Be Ready?
March 26, 2012 ALTA Participates in CFPB Roundtable on RESPA/TILA Forms
March 19, 2012 ALTA to Participate in CFPB and Small Business Administration Panel on RESPA/TILA Forms and Other Upcoming Rules
March 15, 2012 ALTA Details Implementation Cost of CFPB’s Draft Mortgage Disclosure on Settlement Providers
March 8, 2012 ALTA Members Share Concerns of Draft Mortgage Disclosures With Small Business Panel
February 28, 2012 Four ALTA Members to Participate on Small Business Panel Addressing New Mortgage Disclosure Forms
February 23, 2012 CFBP Considering Two Options for Delivery of New HUD-1 to Consumer
February 21, 2012 CFPB Releases Final Round of Draft Disclosure Forms
February 21, 2012 Small Business Panel to Review Impact of New Disclosures
February 2, 2012 Deadline for New HUD-1 Rules Nears; ALTA Asks for Opportunity to Review
January 26, 2012 CFPB Releases Third Round of New Closing Disclosure Prototypes
January 3, 2012 ALTA Letter to CFPB Highlights Concerns of Latest Draft Closing Disclosure
December 20, 2011 Deadline Dec. 21 to Comment on Second Round of Draft Settlement Disclosure Form
December 15, 2011 CFPB Releases Second Round of Draft Settlement Disclosure Form
December 6, 2011 ALTA Task Force Meets With CFPB; Shares Concerns of Draft Final Disclosure
November 22, 2011 ALTA RESPA Task Force Comments on First Round of Draft Final Disclosure
November 8, 2011 CFPB Unveils Initial Drafts of Closing Disclosure
November 8, 2011 ALTA RESPA Task Force Addresses Concerns Over Initial Mortgage Disclosure
October 18, 2011 CFPB Unveils Latest Round of Disclosure Prototype; Turns Sights to Closing Document
October 11, 2011 CFPB Says One More Round of Mortgage Disclosure before Turning to HUD
October 4, 2011 RESPA Task Force to Press CFPB About New HUD-1, Mortgage Disclosures
September 22, 2011 ALTA Submits Letter to CFPB Addressing Mortgage Disclosure Issues
September 13, 2011 CFPB Releases Fourth Round of Combined Mortgage Disclosure Forms
August 11, 2011 ALTA Comments on Third Round of Mortgage Disclosure Forms
July 14, 2011 ALTA President Shines During Congressional Hearing
July 7, 2011 ALTA Addresses Problems of Roll-up Lines and Lack of Itemization on HUD-1
May 19, 2011 ALTA Urges Members to Comment on CFPB’s Initial Mortgage Disclosure Prototypes
November 23, 2010 ALTA’s RESPA Task Force Meets with CFPB Leadership

For More Information Contact

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

    Steve Gottheim
Legislative & Regulatory Counsel
E-Mail: sgottheim@alta.org
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
E-Mail: blincoln@alta.org
Phone: 202-296-3671 Ext. 220
Contact Me About: Government Affairs

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

    S. Madeleine Nagy
Director of State Government Affairs
E-Mail: mnagy@alta.org
Phone: 202-296-3671 Ext. 329
Contact Me About: State Government Affairs Issues

    Ashley Sadler
Associate Legislative and Regulatory Counsel
E-Mail: asadler@alta.org
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
E-Mail: asarkash@alta.org
Phone: 202-296-3671 Ext. 212
Contact Me About: Title Action Network (TAN) Inquiries

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



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