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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 21, 2015 Senators Urge CFPB to Institute Grace Period for TRID
Two U.S. Senators have joined the growing chorus encouraging the Consumer Financial Protection Bureau to enact a hold-harmless period through the end of the year following the August 1 effective date of the Consumer Financial Protection Bureau’s TILA-RESPA Integrated Disclosures regulation.
May 21, 2015 TRID Requires Standardization of Fee Names on Loan Estimate, Closing Disclosure
In addition to preparing for new timing requirements and tighter fee tolerances, settlement agents and lenders must develop standardized fee names or descriptions for the Loan Estimate and Closing Disclosure. Because the Consumer Financial Protection Bureau wants consumers to be able to compare fee estimates with what’s actually charged at consummation, the TILA-RESPA Integrated Disclosures rule requires fee terminology to be consistent between the two forms.
May 21, 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.
May 20, 2015 CFPB Consumer Complaint Portal Not a 'Gotcha Game' Panel Says
From the CFPB’s perspective, a company has done its due diligence if it has provided a response to a consumer complaint with 15 days. Read on to learn how the bureau defines a complaint and why it believes complaints are useful in detecting market trends.
May 19, 2015 ALTA Federal Conference: CFPB Dominates Issues ALTA Will Take to the Hill
Title professionals attending ALTA's 2015 Federal Conference and Lobby Day will encourage members of Congress to support legislation that would enact a hold-harmless period following implementation of the TILA-RESPA Integrated Disclosures rule through the end of the year. In addition, attendees will tell members of Congress that the CFPB should amend its rule to allow the title and settlement industry to disclose the price of title insurance accurately to consumers. The TRID rule prohibits the accurate disclosure of fees for title insurance in 43 states.
May 14, 2015 Real Estate Industry Unites Asking for Hold-harmless Period for TRID
During a Congressional hearing today, ALTA President Diane Evans NTP and representatives from the National Association of Realtors, American Bankers Association and the Urban Institute all encouraged Congress to pass legislation that would implement a hold-harmless period following the Aug. 1 implementation of the TILA-RESPA Integrated Disclosures rule through 2015.
May 14, 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.
May 14, 2015 Download ALTA's Model Settlement Statements
The ALTA Board of Governors approved recommendations to adopt four new model Settlement Statements for title insurance and settlement companies to use in order to itemize all the fees and charges involved in the transaction once the CFPB's TILA-RESPA Integrated Disclosures go into effect Aug. 1. 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.
May 14, 2015 ALTA Survey Finds 92% 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.
May 12, 2015 ALTA President to Make Second Appearance Before Congress
ALTA President Diane Evans NTP will testify before Congress for the second time within the past month. On Thursday, Evans will appear before the Housing and Insurance Subcommittee of the House Financial Services Committee during a hearing titled "TILA-RESPA Integrated Disclosure: Examining the Costs and Benefits of Changes to the Real Estate Settlement Process."
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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