{"id":63513,"date":"2026-07-09T03:00:14","date_gmt":"2026-07-09T01:00:14","guid":{"rendered":"https:\/\/housesmarketplace.com\/cfpb-seeks-input-on-mortgage-disclosures-and-trid-rules\/"},"modified":"2026-07-09T03:00:14","modified_gmt":"2026-07-09T01:00:14","slug":"cfpb-seeks-input-on-mortgage-disclosures-and-trid-rules","status":"publish","type":"post","link":"https:\/\/housesmarketplace.com\/ru\/cfpb-seeks-input-on-mortgage-disclosures-and-trid-rules\/","title":{"rendered":"CFPB seeks input on mortgage disclosures and TRID rules"},"content":{"rendered":"
\n

In a request for information (RFI) scheduled for publication Thursday in the Federal Register, the \u0411\u044e\u0440\u043e \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0439 \u0437\u0430\u0449\u0438\u0442\u044b \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u0435\u0439<\/strong> (CFPB) will seek public input on whether mortgage disclosure requirements and other lending regulations should be revised to reduce compliance burdens and improve access to mortgage credit<\/a>.<\/p>\n

The RFI, viewed by \u0416\u0438\u043b\u044c\u0435\u041f\u0440\u043e\u0432\u043e\u043b\u043e\u043a\u0430<\/strong> in its unpublished version on the register, was filed by \u0426\u0424\u041f\u0411<\/a> acting director Russell Vought.<\/p>\n

The bureau said it\u2019s considering potential regulatory changes consistent with President Donald Trump\u2019s Executive Order 14393, titled \u201cPromoting Access to Mortgage Credit<\/a>.\u201d The order directs federal agencies to review regulations that may increase the cost of mortgage lending and limit access to credit.<\/p>\n

The CFPB is requesting comments on three primary areas: integrated mortgage disclosures under the Truth in Lending Act (TILA) and Real Estate Settlement Procedures Act (\u0420\u0415\u0421\u041f\u0410<\/a>), together commonly known as TRID; the right of rescission for certain refinance transactions; and disclosure requirements for \u043e\u0431\u0440\u0430\u0442\u043d\u0430\u044f \u0438\u043f\u043e\u0442\u0435\u043a\u0430<\/a>.<\/p>\n

The bureau is asking whether current rules create unnecessary burdens for lenders and borrowers while still providing adequate consumer protections. Areas under review include disclosure timing requirements, tolerance thresholds, electronic disclosures and whether smaller financial institutions should receive more tailored rules.<\/p>\n

For reverse mortgages, the CFPB said current disclosure requirements rely on multiple documents, including Truth in Lending disclosures, Good Faith Estimates and HUD-1 settlement statements. The agency is seeking feedback on whether reverse mortgage borrowers would benefit from a single set of integrated disclosures designed specifically for the product.<\/p>\n

The bureau is also reviewing the Total Annual Loan Cost, or TALC, a disclosure used in reverse mortgages. Specifically, the CFPB wants to know whether TALC calculations should be updated, and whether showing projected loan balance growth in dollar amounts would be easier for borrowers to understand than current annualized cost figures.<\/p>\n

The CFPB is also seeking input on whether reverse mortgage borrowers would benefit from educational materials<\/a> tailored specifically to the product rather than the general mortgage information currently required.<\/p>\n

While the request for information does not propose any regulatory changes, the CFPB said comments will help determine whether future rulemaking is appropriate.<\/p>\n

This article was written by Sarah Wolak and generated with the assistance of HousingWire Automation, then reviewed by a HousingWire editor before publication.<\/em><\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

In a request for information (RFI) scheduled for publication Thursday in the Federal Register, the Consumer Financial Protection Bureau (CFPB) will seek public input on whether mortgage disclosure requirements and other lending regulations should be revised to reduce compliance burdens and improve access to mortgage credit. 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