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In November 2013, the Consumer Financial Protection Bureau (CFPB) integrated the Real Estate Settlement Procedures Act (RESPA) and Truth in Lending Act (TILA) disclosures and regulations. Any transaction involving a mortgage will use new CFPB disclosure forms. 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.

Latest Updates
July 31, 2015
On July 29, 2015, the U.S. House Financial Services Committee passed H.R. 3192 (Rep. Hill, R-AR), which would delay the Consumer Financial Protection Bureau’s (CFPB) enforcement of the new Truth in Lending Act and the Real Estate Settlement Procedures Act (TILA-RESPA) integrated disclosure rule.
July 22, 2015
The Consumer Financial Protection Bureau has announced that the October 3 start date for the new TILA-RESPA Integrated Disclosure (TRID) rule is now official.
July 21, 2015
The TRID implementation date has been moved from August 1 to October 3.
July 17, 2015
Watch the July 16, 2015 webcast on changes to the closing process, with NAR Senior Counsel Finley Maxson.
July 17, 2015
In remarks before the Senate Banking Committee CFPB Director Cordray offered encouraging words concerning his previous pledge to show great “sensitivity” to good faith efforts to comply with the new Truth in Lending-RESPA Integrated Disclosure (TRID) rules.

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Presentations and Webinars

CFPB RESPA Review Integrated Forms & Enforcement Actions: Presentation

RESPA-TILA Integration Update: Presentation | Webinar

Marketing and Services Agreement: Presentation | Webinar

Integrated RESPA-TILA Forms: Presentation | Webinar

CFPB Review - Regulations & Enforcement Actions: Presentation