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TIL-RESPA Integrated Disclosure Policy and Procedure

Effective 10/3/2015, the combined disclosure rule requires the consolidation of Truth-in-Lending and Real Estate Settlement Procedures Act requirements for content and timing.  This primarily means that the most rigorous elements of both rules now apply to one process.  Timing and content must be set forth in any standard process, but more critically, the rule sets forth specific deadlines for curing errors. This makes the audit process critical for ensuring compliance. 
TRID (aka "Know before you owe") Resources

CFPB TILA-RESPA Integration Resource - Includes training, sample forms
Federal Reserve Training - Five pre-recorded regulatory compliance webinars
TRID did not eliminate GFE and TIL. GFE, TIL and HUD-1 still exist for HELOCs, HECMS, mobile homes and lot loans. Our process has a decision tree to determine which set applies."
FREE TIL-RESPA Integrated Disclosure Policy Template
This link only provides access for one person five times. Please e-mail us if you need additional access.
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  • Home
    • Search our site
    • The CFPB and You
    • What Does a QC Plan Do?
    • Choosing the Right One
    • Free Sample Request Form
    • Request Discount Code
    • About Us >
      • About Us
      • FAQs
      • 100% Guarantee
      • Client List
    • Industry Blog
  • Single Policies
    • Single Policies
    • Free Sample Policies >
      • TIL-RESPA Integrated Disclosure (TRID)
      • HPML Appraisal Policy
      • Social Media
      • Ability to Repay
      • SAFE Act Policy
      • E-Sign Policy
      • Loan Originator Comp
      • Complaint Resolution
    • Disaster Recovery/Business Continuity Plan
    • Fair Lending/Fair Housing
    • Secondary Marketing-Loss Mitigation
    • Anti-Money Laundering (AML/BSA/SAR) Plan
    • Appraiser Independence - Appraisal Management
    • Anti-Predatory Lending (UDAAP)
    • Vendor Management
    • Business Plan
    • MERS QA Plan
  • Modules
    • Module System
    • Mortgage Compliance Manual
    • Quality Control Options >
      • Quality Control Options
      • Lender Quality Control Plan >
        • HUD-FHA Quality Control Plan
      • Broker QC Plan
    • Information Security - FACTA/Red Flags & ID Theft >
      • IT/Cyber Audit
    • Origination/Production Module
    • Processing Module
    • Underwriting/Credit Policy
    • Closing/Funding/Warehouse
    • Mortgage Ops & Employee
    • Wholesale/Third Party Origination
    • Mortgage Servicing Module >
      • Mortgage Servicing
      • Mortgage Sub-Servicing
      • MERS Quality Assurance (QA)
  • Packages
    • Packages
    • Anti-Money Laundering (AML/BSA/SAR) Package >
      • Annual AML/BSA Audit
      • Annual AML Training
      • Free AML/BSA SAR Evaluation
    • Cyber/IT Security Audit Package
    • State Audit Prep >
      • State Audit Prep Package
      • Pennsylvania Exam Preparation
      • Washington State Mortgage Lender Broker
      • New York Lender Broker Audit Prep
      • North Carolina Lender Broker
      • Ohio Mortgage Lender Broker
      • Texas Exam Preparation
      • State Examination Packages >
        • Supervisory Plan
    • Mortgage Banker Package
    • Correspondent Broker Pack
    • Lender Compliance Pack
    • Broker-Corr Compliance Pack >
      • Broker-Corr Compliance Pack
      • Specific Lenders Requirements
    • Processing Company Package
  • Services
    • Services
    • Annual Audit Preparation >
      • State Audit/Exam Prep >
        • State Examination System (SES) Support
    • Training Services >
      • AML Training
      • Fair Lending Training
      • ID Theft Training FACTA
      • Cybersecurity Training GLB Safeguarding
      • Fraud Red Flag and QC Training
      • Privacy Act - GLB Training
      • Advertising Compliance Training
      • New Employee Training
    • My Compliance VP - Manager >
      • My Compliance VP - Manager
      • Login Compliance Manager
      • Login Document Managment
      • Document Management Services
    • Updates and Downloads >
      • Updates and Downloads
      • Updates and Downloads (members)
    • Warehouse Lender/Agency Approval >
      • Comergence Upload Service
    • Request Review
    • How to: Customization Services >
      • Customization Services
      • How to: Downloading Documents
      • How to: Customize Your Manual
      • Free "Generic" Customization Offer