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TRID (TILA-RESPA Integrated Disclosure)

On November 20, 2013, the Consumer Financial Protection Bureau (CFPB) issued its final rule to integrate the Real Estate Settlement Procedures Act (RESPA) and Truth in Lending Act (TILA) disclosures and regulations.  The final rule contains new rules and forms for two disclosure forms consumers receive in the process of getting a mortgage loan: the Loan Estimate, which comes three business days after application, and the Closing Disclosure, which comes three business days before closing on the loan. The new forms integrate existing disclosures and implement some new disclosure requirements from the Dodd-Frank Act.

The new TRID rules and forms took effect on October 3, 2015.

NAR TRID Content

CFPB Clarifies Sharing of CD

TRID Member FAQs

TRID Regulatory Overview

Field Guide to TRID (June 2015)

Video: Window to the Law: TRID Changes Coming (May 2015)

Video: HUD-1 Going Away (February 2015)

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 rules and forms took effect on October 3, 2015.

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Presentations and Webinars

CFPB RESPA Review Integrated Forms & Enforcement Actions: Presentation

RESPA-TILA Integration Update: Presentation | Webinar

Integrated RESPA-TILA Forms: Presentation | Webinar