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Consumer Financial Protection Bureau Creates New Disclosure Form Called TRID

The Consumer Financial Protection Bureau (CFPB) has made changes to the Truth In Lending Act (TILA) and RESPA mortgage rules and regulations that will go into effect on October 3, 2015. These changes are designed to make it easier for borrowers to read and understand the associated cost of getting a mortgage loan and their cost of capital over the first 7 years.

The changes are known as the TILA/RESPA Integrated Disclosures, or TRID. The revision includes two new disclosure forms that must be provided to the buyer for review and approval before closing - the Loan Estimate and the Closing Disclosure. Learn more about these forms and other important impacts on mortgage and real estate professionals in the video below.

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