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GSEs Provide Additional Resources to Support the Uniform Closing Dataset

July 15, 2014

Fannie Mae and Freddie Mac (the GSEs) are publishing additional documentation to support the mortgage industry with the implementation of the Uniform Closing Dataset (UCD), which is a common industry dataset that supports the Consumer Financial Protection Bureau’s (CFPB) Closing Disclosure. These documents provide information to supplement the MISMO mapping document released in March 2014, Appendix B: Closing Disclosure Mapping to the MISMO v3.3 Reference Model.

The GSEs intend to collect the UCD from lenders in the future; however, we have not yet determined the method or timeline for our data collection. We will continue to provide information and additional resources in the future.

The new supporting UCD resources include:

  • Appendix E: UCD Implementation Guide – Provides an overview of how the Closing Disclosure information is represented in the XML-format file.
  • Appendix F: UCD Sample Use Cases – Provides four sample use cases that demonstrate how a sample business transaction would be represented on the Closing Disclosure and the XML-format file that would support the use case data.

In addition, we updated Appendices A and B: Closing Disclosure Mapping to the MISMO v3.3 Reference Model with minor changes that are noted in tab "Map Update 7-15-2014," as well as minor changes in Appendix C – Closing Disclosure with Reference Numbers. We will continue to update these documents periodically as we receive comments from the industry.

We hope the new and updated resources will be helpful as you implement the UCD, which will enable you to more easily and effectively communicate this data to lenders and vendors. Please note that the UCD is not GSE-specific, but is reflective of CFPB’s Closing Disclosure and its related regulation, regardless of whether it is a loan that is eligible for sale to the GSEs.

Please continue to let us know if you have questions or recommendations as you use the UCD and supporting documents. Contact or

For further information on the UCD, including Frequently Asked Questions and a UCD tutorial, please visit the GSEs' websites, or

The Uniform Closing Dataset is a component of the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency.

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