TILA-RESPA Integrated Disclosure rule implementation
Resources to help industry participants understand, implement, and comply with the Know Before You Owe mortgage disclosure rules.
This guide incorporates the amendments and clarifications set forth in the final rule issued on July 7, 2017. Generally, compliance with the 2017 TILA-RESPA rule is mandatory for applications received on or after Oct. 1, 2018.
This guide has not been updated to reflect the final rule issued on July 7, 2017. The 2017 TILA-RESPA rule includes an optional compliance period, which begins on Oct. 10, 2017 and is for transactions for which a creditor or mortgage broker receives an application prior to Oct. 1, 2018. During this period, early compliance with the 2017 rule is allowed, but not required.
The Bureau has presented a number of webinars related to the TILA-RESPA integrated disclosure rule. The content of each webinar is current as of the date the webinar was originally presented. The webinars have not been updated since their original presentation dates and do not reflect the final rule issued in July 2017.
that illustrates the process and timing of disclosures for a sample real estate purchase transaction.
Supervision and examination materials
Our provides guidelines for institutions to evaluate their readiness and help them comply with the mortgage rule changes.
Individual loan estimate and closing disclosure forms and samples
Downloadable versions of the models and samples that were published in the rule, in both English and Spanish, for different loan types.
Consumer education materials
Your Home Loan Toolkit – now available in English and Spanish – is designed to be used in connection with the new Loan Estimate & Closing Disclosure forms. It will replace the current Settlement Cost booklet when the TILA-RESPA Integrated Disclosures go into effect.