CFPB Finalizes Revisions to TRID Timing Rules

The CFPB announced changes to its TILA-RESPA Integrated Disclosure (TRID) rule, providing a fix for what was known as the “black hole” in the rule, as detailed by a piece in Mortgage News Daily. The original TRID rule required lenders to provide prospective borrowers with a Loan Estimate and a Closing Disclosure. However, due to the timing requirements of the Loan Estimate and the Closing Disclosure, there were some instances where providing a new disclosure would be impossible, a situation referred to as the “black hole” in the TILA-RESPA Rule.


The final rule announced CFPB fixes that timing issue, and will take effect within 30 days of being published in the Federal Register. SFIG is in the process of updating its previously published TILA-RESPA Integrated Disclosure Grid, which is available at no cost to SFIG members, and is available for purchase for the general public. If you have previously purchased the TRID Grid, you are also eligible to receive the updated grid at no additional cost. For questions about the TRID Grid, please contact 

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