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Integrated Mortgage Disclosures under the Real Estate Settlement Procedures Act (Regulation X) and the Truth In Lending Act (Regulation Z)

The CFPB has released its final rule for the new integrated mortgage disclosure. The rule integrates forms required under the Truth-in-Lending Act (TILA) and the Real Estate Settlement and Procedures Act (RESPA). The closing process with change significantly as the Loan Estimate will replace the current Good Faith Estimate and early Truth-in-Lending disclosure, while a Closing Disclosure will replace the HUD-1 and final Truth-in-Lending. The CFPB has given an implementation date of August 1, 2015. The new rule, comments, and guidelines can be found here.

2013 Final Rule.pdf — PDF document, 18300 kB (18739555 bytes)

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