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Disclosure comparison

Mortgages are complex transactions that may include risky features. Consumers currently receive different, but overlapping, federal disclosure forms with the terms and costs of mortgage loans. Because these forms are confusing for consumers, Congress directed us to create new forms. We want you to use the new forms to inform yourself as you consider different loans.

Learn more about what these proposed disclosures would mean for consumers, or read a detailed summary of the proposal.

Before

After

Current: Initial TIL disclosure + Good Faith Estimate

View these two forms as a PDF

Current: Final TIL disclosure + HUD-1 Settlement Statement

View these two forms as a PDF

Learn more about the rule Learn more about Know Before You Owe