TILA-RESPA Integrated Disclosure rule implementation

Resources to help industry participants understand, implement, and comply with the Know Before You Owe mortgage disclosure rules.

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We published an updated version of the TILA-RESPA Integrated Disclosure Rule small entity compliance guide . The updated guide incorporates amendments and clarifications set forth in the final rule issued on July 7, 2017. An updated version of the guide to forms will be posted when it is available. 


TILA-RESPA Integrated Disclosure rule


Small entity compliance guide - Version 5.0

This guide incorporates the amendments and clarifications set forth in the final rule issued on July 7, 2017. Generally, compliance with the 2017 TILA-RESPA rule is mandatory for applications received on or after Oct. 1, 2018.  

Small entity compliance guide  -Version 4.0

This guide has not been updated to reflect the final rule issued on July 7, 2017. The 2017 TILA-RESPA rule includes an optional compliance period, which begins on Oct. 10, 2017 and is for transactions for which a creditor or mortgage broker receives an application prior to Oct. 1, 2018. During this period, early compliance with the 2017 rule is allowed, but not required. 

Guide to loan estimate and closing disclosure forms

A guide for real estate professionals

A guide for settlement professionals


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 the final rule issued in July 2017.

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.

Quick references

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

Examination manual

Our Readiness Guide  provides guidelines for institutions to evaluate their readiness and help them comply with the mortgage rule changes.

Additional materials


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.