MetaSource Mortgage Blog

What You Need to Know about TILA-RESPA Integrated Disclosure (TRID) Rules

Monday, May 11, 2015


New TILA-RESPA integrated disclosure rules (TRID) are tricky to condense because the rule runs almost 2,000 pages. However, that is why you turn to MCA. In this blog post, we will explain what TRID replaces in a loan file and what you should do about it.

Loan Types Affected

TRID is pursuant to the Dodd–Frank Wall Street Reform and Consumer Protection Act passed in 2010, which is now administered by the Consumer Financial Protection Bureau (CFPB). TRID applies to most "closed-end" loans made on or after August 1, 2015 that are secured by real property. These are loan types that are exempt from TRID:


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