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Consumer Finance Protection Bureau  (CFPB)


New Combined TILA - RESPA - INTEGRATED DISCLOSURE  (TRID) - Effective October 3, 2015

CFPB has developed a combined GFE/TIL Disclosure now called Lender Estimate (LE) and replaced the HUD-1 with the Closing Disclosure (CD), to simplify the disclosure process for mortgage loans.

Click here to view the latest version.

The LE and CD disclosures went into affect October 3, 2015


Consumer Financial Protection Bureau (CFPB) is the super agency that has governing authority over everything to do with mortgage lending, student lending and consumer lending.

The following are the directives the CFPB was formed under through the Dodd Frank Law:

  • Conduct rule-making, supervision, and enforcement for Federal consumer financial protection laws

  • Restrict unfair, deceptive, or abusive acts or practices

  • Create a center to take consumer complaints

  • Promote financial education

  • Research consumer behavior

  • Monitor financial markets for new risks to consumers

  • Enforce laws that outlaw discrimination and other unfair treatment in consumer finance



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