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Uniform Closing Dataset (UCD)

December 13, 2018

The Uniform Closing Dataset (UCD) is a common industry dataset that allows information on the Consumer Financial Protection Bureau’s (CFPB’s) Closing Disclosure to be communicated electronically. It was developed by Freddie Mac and Fannie Mae (the GSEs) at the direction of our regulator, the Federal Housing Finance Agency (FHFA).

Uniform Closing Dataset Specification Update

On December 11, 2018, the GSEs updated and republished the UCD Specification and supporting artifacts to account for:

  • Revised Seller data requirements. As announced on June 26, 2018, the GSEs have reduced data required to be supplied to only Seller data contained on the Borrower Closing Disclosure. These requirements will become effective on June 24, 2019; however, most lenders are already providing the required Seller data in their UCD submissions.
  • Changes related to the Consumer Financial Protection Bureau (CFPB)’s TRID Amendment, as communicated in our June 26, 2018, TRID Amendment Impact Memo.
  • Updates to improve clarity.
  • Expanded allowable fee types.

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Clarification on the UCD PDF Requirement for UCD Mandate

  • If a loan has been submitted to Loan Closing Advisor® without a PDF prior to June 25, 2018, and is delivered to Loan Selling Advisorâ„  after June 25, 2018, sellers and aggregators will not receive the UCD critical edit when delivering to Loan Selling Advisor. It will continue to be a warning edit.
  • Loans submitted to Loan Closing Advisor without the Closing Disclosure PDF on or after June 25, 2018 will receive the UCD critical edit in Loan Selling Advisor after June 25, 2018.

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UCD Implementation Resources

  • Appendix C: Closing Disclosure with Reference Numbers: Provides sample Closing Disclosures for a non-purchase and a purchase transaction to serve as cross-references between the Closing Disclosure and the UCD. – Updated as of December 11, 2018
  • Appendix E: UCD Implementation Guide: Provides an overview of how the Closing Disclosure information is represented in the XML-format file. – Updated as of December 11, 2018
  • Appendix F: UCD Sample Use Cases: Provides six 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. – Updated as of December 11, 2018
  • Appendix G: UCD Sample XML Files – Demonstrates how a sample business transaction would be represented on the Closing Disclosure and the XML-format file that would support the use case data. – Updated as of December 11, 2018
  • Appendix I: UCD Delivery Specification – Provides coding information for how to deliver the UCD to the GSEs presented in XML order. – Updated as of December 11, 2018. Please see "Revision History" tab for more information.

UCD Announcements

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Freqently Asked Questions

Technology Integration Vendors

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Loan Closing Advisor Training

Learn how to maximize the benefits of our UCD collection solution.

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Overview

Vendors – Submit Your Contact Information

If you’re a vendor involved in the closing process, please submit your contact information so we can send you periodic updates and resources to support your UCD implementation.

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Questions?

If you have questions about the UCD, please email UCD@FreddieMac.com

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