TILA-RESPA Integrated Disclosure rule implementation
Resources to help industry participants understand, implement, and comply with the Know Before You Owe mortgage disclosure rules.
Featured topic
Generally, compliance with the 2017 TILA-RESPA 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 TILA-RESPA rule.
Rule
TILA-RESPA Integrated Disclosure rule
Guides
Small entity compliance guide - Version 5.2
Guide to loan estimate and closing disclosure forms - Version 2.1
A guide for real estate professionals
A guide for settlement professionals
Videos
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 final rules issued after their presentation dates.
Overview of the rule — June 17, 2014
Frequently asked questions — Aug. 26, 2014
Completing the loan estimate — Oct. 1, 2014
Completing the closing disclosure — Nov. 18, 2014
Implementation challenges and questions — May 26, 2015
Construction lending — March 1, 2016
Post-effective date questions and guidance – Apr. 12, 2016
Use the question index to find out which questions were answered and when.
Quick references
Executive summary of 2018 TILA-RESPA rule
Executive summary of 2017 TILA-RESPA rule
Detailed summary of changes and clarifications in 2017 rule
Disclosure timeline that illustrates the process and timing of disclosures for a sample real estate purchase transaction.
Supervision and examination materials
Our Readiness Guide provides guidelines for institutions to evaluate their readiness and help them comply with the mortgage rule changes.
Additional materials
Forms
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.