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TILA-RESPA Integrated Disclosures

Resources to help industry participants understand, implement, and comply with the TILA-RESPA Integrated Disclosure (TRID) rules.

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Generally, compliance with the 2017 TRID rule is mandatory for applications received on or after Oct. 1, 2018. The Bureau has provided materials, including updated guides, to help industry comply with the 2017 TRID rule.

Rules

Browse TRID final rules to see specific amendments made by each final rule to Regulation Z.

Regulations and official interpretations

Browse Regulation Z (12 CFR 1026) on: Interactive Bureau Regulations |

Main TRID provisions and official interpretations can be found in:

  • § 1026.19(e), (f), and (g), Procedural and timing requirements
  • § 1026.37, Content of the loan estimate
  • § 1026.38, Content of the closing disclosure
  • Supplement I to Part 1026 (including official interpretations for the above provisions)

Quick references

Executive summary

2018 TRID rule amendments executive summary

2017 TRID rule amendments executive summary

Other references

Detailed summary of changes and clarifications in the 2017 TRID rule.

illustrating the process and timing of disclosures for a sample real estate purchase transaction.

Guides

Small entity compliance guide

Download the latest version , version 5.2.

Guide to loan estimate and closing disclosure forms

Download the latest version , version 2.1.

Supervision and examination materials

Guides to how the Bureau will supervise and examine entities under its jurisdiction for compliance with Federal consumer financial law.

See the Truth in Lending Act (TILA) examination procedures

See the Mortgage Origination examination procedures

FAQs

The Bureau provides a list of commonly asked questions and answers on particular topics to assist in understanding and complying with the TRID rules.

Browse all FAQ topics

Forms

Downloadable versions of the loan estimate and closing disclosure forms and samples that were published in the TRID rules.

Browse forms and samples

Webinars

The Bureau has presented a number of webinars related to the TRID rules. The webinars have not been updated since their original presentation dates and do not reflect rules issued after their presentation dates.

Browse TRID webinars

Additional materials

Guides for real estate and settlement professionals

Designed to help real estate and settlement professionals and their clients navigate through TRID changes.

Your Home Loan Toolkit

Designed to be used in connection with the new Loan Estimate & Closing Disclosure forms, the toolkit replaced the Settlement Cost booklet when TRID went into effect.

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