TILA-RESPA Integrated Disclosure rule implementation

Resources to help you comply.

Featured topic

The CFPB published annotated versions of loan estimate and closing disclosures for Chapter 2 of TILA referenced in the Integrated Mortgage Disclosure final rule. — May 2016

Loan estimate

Closing disclosures

The rule

TILA-RESPA Integrated Disclosure rule


Plain language overview

A plain-language guide to the new rules in a FAQ format, which makes the content more accessible for industry constituents, especially smaller businesses with limited legal and compliance staff.


The Bureau has presented a number of webinars related to this rule.

Overview of the rule  — Jun. 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  — Mar. 1, 2016

Post-effective date questions and guidance – Apr. 12, 2016

Use the question index to find out which questions were answered and when.

Real estate professionals

A guide for real estate professionals is now available on the new mortgage disclosures.

Guide to forms 

This guide provides detailed, illustrated instructions on completing the Loan Estimate and Closing Disclosure.


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.

Additional materials

Construction loans factsheet

Factsheet that provides an overview of how the integrated disclosure rule may be applied.

Closing factsheet

Factsheet that provides an overview of the limited circumstances when changes to the loan require a new three-day review.

Disclosure timeline

Example 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.

Data standards

Freddie Mac and Fannie Mae have released a common industry dataset, called the Uniform Closing Dataset, which leverages and maps to Mortgage Industry Standards Maintenance Organization (MISMO) data standards, to support implementation of the TILA/RESPA Closing Disclosure form. MISMO is developing a corresponding mapping dataset for the Loan Estimate that will be available soon.

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.