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(Updated November 2015)

On November 20, 2013, the U.S. Consumer Financial Protection Bureau (CFPB) issued a final rule to integrate disclosures and regulations required by RESPA and the Truth in Lending Act (TILA). The final rule, called TILA-RESPA Integrated Disclosure (TRID), integrates existing disclosures with new requirements from the Dodd-Frank Act to improve consumer understanding of the mortgage process, aid in comparison shopping, and help to prevent surprises at the closing table. When the rule and changes go into effect, REALTORS® and their clients will encounter new forms and procedures at the closing table. The new TRID forms were to be implemented on August 1, 2015. However, on July 21, 2015, after calls from NAR and other industry groups, CFPB officially announced that the effective date of the implementation of the rule was delayed until October 3, 2015.

This Field Guide features resources to help real estate professionals and consumers understand the upcoming TILA-RESPA changes. (A. Creitz, Information & Web Content Specialist)

For general information and resources on RESPA, visit the Field Guide to the Real Estate Settlement Procedures Act (RESPA).


E - EBSCO articles available for NAR members only. Password can be found on the EBSCO Access Information page.


TRID Essentials

RESPA-TILA Harmonization Topic Page, (REALTOR.org). Resources to help understand and prepare for the integrated Real Estate Settlement Procedures Act (RESPA) and Truth in Lending Act (TILA) disclosures and regulations.

TILA-RESPA Integrated Disclosure rule implementation, (U.S. Consumer Financial Protection Bureau). Compliance guides, disclosure timeline, factsheets, forms, videos, and other resources to help comply with and prepare for the TRID rule.

TILA-RESPA Integrated Disclosure: Guide to the Loan Estimate and Closing Disclosure forms, (U.S. Consumer Financial Protection Bureau).

Know Before You Owe: The Real Estate Professional’s Guide, (U.S. Consumer Financial Protection Bureau).

TRID: REALTORS and the New Closing Process Survey, (NAR Research, Aug. 2015).


TRID Background & Updates

Beware hidden process changes in CFPB's new disclosure rule, (Mortgage Banking, Mar. 2015). E

CFPB finalizes amendments to TILA-RESPA Integrated Mortgage Disclosure (TRID) rule, (National Mortgage Professional Magazine, Feb. 2015).

Understand the Aug. 1 changes to HUD-1, closing process, (Speaking of Real Estate, Feb. 17, 2015).

'Know before you owe' delays minimal so far, say REALTORS®, (NAR News Release, Nov. 13, 2015).

Here's how TRID is changing the mortgage industry, (HousingWire, Oct. 12, 2015).

New rules on home closings go into effect on Monday. Here’s what you need to know, (Washington Post, Sept. 30, 2015).


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The inclusion of links on this field guide does not imply endorsement by the National Association of REALTORS®. NAR makes no representations about whether the content of any external sites which may be linked in this field guide complies with state or federal laws or regulations or with applicable NAR policies. These links are provided for your convenience only and you rely on them at your own risk.