CFPB > CFPB Resources
In conjunction with issuing the new integrated TILA and RESPA real estate settlement forms, the Consumer Financial Protection Bureau (CFPB) has provided robust explanation and guidance on the new forms. Below are links to the Loan Estimate and Closing Disclosure, as well as links to the various resources available at the CFPB.
 
 

TILA-RESPA Integrated Disclosure rule

Compliance guide: 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.
 
Guide to forms: Provides detailed, illustrated instructions on completing the Loan Estimate and Closing Disclosure.
 
Disclosure timeline: Illustrates the process and timing of disclosures for a sample real estate purchase transaction.
 

Supervision and examination materials

Readiness Guide: Provides guidelines for institutions to evaluate their readiness and help them comply with the mortgage rule changes made through August 1, 2014.
 
Protect_Button_InformativeFlyers.png
CFPB Know Before You Owe:
Consumer Information


The CFPB has provided extensive resources for the consumer on its website, www.consumerfinance.gov. Here are links to some materials that may be helpful, as consumers contemplate buying a home:
 
 

Integrated loan disclosure forms and samples

Below are several, downloadable Loan Estimate and Closing Disclosure forms in both English and Spanish and samples for different loan types.
 

Loan estimate

Blank model loan estimate fields annotated to show rule citations
Blank model loan estimate form that illustrates the application of the rule’s content requirements
Blank model loan estimate that illustrates the application of the optional alternative tables for transactions without a seller
Sample of completed loan estimate for fixed rate loan
Sample of completed loan estimate for interest only, adjustable rate loan
Sample of completed loan estimate for refinance
Sample of completed loan estimate for balloon payment
Sample of completed loan estimate for negative amortization

 

Loan Estimate Forms En Español

Blank model loan estimate form that illustrates the application of the rule’s content requirements
Blank model loan estimate that illustrates the application of the optional alternative tables for transactions without a seller
Sample of completed loan estimate for interest only, adjustable rate loan
Sample of completed loan estimate for refinance
Sample of completed loan estimate for balloon payment
Sample of completed loan estimate for negative amortization

 

Closing disclosure

Blank closing disclosure with fields annotated to show rule citations
Blank closing disclosure that illustrates the application of the rule’s content requirements
Blank closing disclosure that illustrates the alternative disclosures and modifications permitted for transactions without a seller
Blank closing disclosure that illustrates disclosure provided to seller
Blank page 2 of closing disclosure that illustrates modifications to closing cost details
Sample of a completed closing disclosure for fixed rate loan (companion to sample loan estimate above)
Sample of a completed closing disclosure for refinance (companion to sample loan estimate above)
Sample of the completed closing disclosure for refinance transaction where the closing costs have increased in excess of the good faith requirements
Sample of a completed closing disclosure for refinance in which the consumer must pay additional funds to satisfy the existing mortgage loan securing the property and other existing debt to consummate the transaction
Sample page 3 of closing disclosure (summaries of transactions) for disclosure of consumer funds from a simultaneous second-lien credit transaction
Sample page 3 of closing disclosure (summaries of transactions) for disclosure of funds paid outside of closing

 

Closing disclosure En Español

Blank closing disclosure that illustrates the application of the rule’s content requirements
Blank closing disclosure that illustrates the alternative disclosures and modifications permitted for transactions without a seller
Sample of a completed closing disclosure for fixed rate loan (companion to sample loan estimate above)
Sample of a completed closing disclosure for refinance (companion to sample loan estimate above)
 

Other blank forms and samples

Blank model form for the written list of settlement service providers
Sample of written list of providers you can shop for
Sample of written list of providers you cannot shop for
Blank model form of the escrow cancellation notice