2014 Integrated Disclosures: New Closing Disclosure

The CFPB published final rules (1,888 pages) to implement new integrated disclosures. It will likely take multiple exposures for creditors to master the new rules. This series provides an in-depth analysis of the new requirements.

The Consumer Financial Protection Bureau (CFPB) published final rules to implement the new integrated disclosures on November 20, 2013. The rule completes the Dodd-Frank mandate to combine the disclosures required by the Truth-in-Lending (TILA) and Real Estate Settlement Procedure Acts (RESPA). The 1,888 page final rule is effective on August 1, 2015.


This session explores the rules related to the new closing disclosure:.

  • The coverage and exemption rules for the new requirements;
  • The new timing rules and guidance related to final TIL disclosures;
  • Changes before consummation that require or do not require a new waiting period;
  • Refunds and
  • The content of the new Closing Disclosure.


Managers, loan originators, loan officers, lending assistants, compliance officers, auditors and others responsible for originating mortgage loans.


Jack Holzknecht, CRCM, Pegasus Educational Services, LLC

Credit Information

Institute of Certified Bankers: Visit http://www.icbmembers.org/login.aspx for instructions regarding self-reporting. Estimated credits: 2.0 hours/session CRCM/CLBB


Live Webinar:

Member price: $265.00 | Non member price $530.00

On-Demand Webinar

Member price: $280.00 | Non member price $560.00


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