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Providing you with information about upcoming changes to residential real estate closings.

Know Before You Owe

Attorneys need to be aware that the HUD-1 is being replaced in most residential loan closings effective August 1, 2015. In 2013, the Consumer Financial Protection Bureau (CFPB) amended components of the Truth in Lending Act (TILA) and the Real Estate Settlement Practices Act (RESPA) that have been in effect for more than 30 years. The amendments were made in an effort to make the forms easier for consumers to understand and to make it easier to compare loan offers from different lending institutions. With the new forms come new methods and timelines for delivery.

Details and samples of the new closing disclosure forms can be found at under the “Know before You Owe” tab.


TRID (TILA-RESPA Integrated Disclosure)

  • Loan Estimate here
  • Closing Disclosure Refinance No Seller here
  • Closing Disclosure Seller Only here
  • Closing Disclosure Blank here


From the Lender

Wells Fargo and Bank of America issued communications regarding compliance and use of the updated mortgage disclosures. Each lender also provided answers to FAQs. For their latest communication, click on these links.

  • News for Wells Fargo Settlement Agents - click HERE
  • News for Bank of America Settlement Agents - click HERE


CFPB: Executive Summary of the 2017 TILA-RESPA Rule


On July 2, 2017, the Consumer Financial Protection Bureau released a final rule amending and clarifying certain mortgage disclosure provisions implemented in Regulation Z.  The 2017 TILA-REPA Rule is only mandatory for transactions on or after October 1, 2018.


Interested in more related content? Read articles written by our staff HERE.

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