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Uniform Closing Dataset

June 6, 2017

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).

UPDATE Please Note: Per our June 6 announcement, the GSEs have only extended the requirement to embed the Closing Disclosure PDF within the UCD XML file until April 2018. If you’re able to deliver the UCD XML file with the embedded PDF before that date, we encourage you to do so. The UCD must still be submitted for all loans delivered to the GSEs with a Note Date on or after September 25, 2017.

398 Days.
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Get Ready for UCD mandate with Loan Closing AdvisorSM

Loan Closing AdvisorSM can help you prepare for this requirement. Loan Closing Advisor is Freddie Mac's UCD collection solution, but it is more than just a collection solution, it provides valuable and actionable feedback on the accuracy of your UCD XML file so that you can be confident about your closing data.

Loan Closing Advisor:

  • Collects the UCD and Closing Disclosure PDF.
  • Compares your data against the UCD specification – testing for completeness, validity, calculation accuracy and data consistency.
  • Provides feedback to promote accuracy and adherence to guidelines.

With Loan Closing Advisor, you can close loans with greater confidence and reduce your repurchase risk related to closing data.

Don't delay. September 25, 2017 will be here before you know it. Start getting ready today.

Learn More about how Loan Closing Advisor can help you prepare.

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 June 6, 2017
  • Appendix E: UCD Implementation Guide: Provides an overview of how the Closing Disclosure information is represented in the XML-format file. – Updated as of March 28, 2017
  • 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 March 31, 2017
  • 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 March 31, 2017
  • Appendix H: UCD Delivery SpecificationProvides coding information for how to deliver the UCD to the GSEs presented in XML order. – Updated as of January 31, 2017
  • Appendix I: UCD Delivery Specification – Is identical to Appendix H, but in Excel format for easier data sorting and organization. – Updated as of February 02, 2017. Please see "Revision History" tab for more information.

UCD Announcements

Single-Family News Center Articles

  • June 6, 2017 – UCD Implementation Update
  • January 31, 2017 – Uniform Closing Dataset Final Specification Update
  • November 8, 2016 – UCD Seller Data Requirements Update
  • September 27, 2016 – UCD Mandate is September 25, 2017: Your One-Year Transition Starts Now!
  • May 24, 2016 – GSEs Announce UCD Delivery Requirement for Q3 2017
  • December 15, 2015 – Get Ready for Freddie Mac’s Collection Solution
  • November 17, 2015 – GSEs Publish Updates to the UCD Specification and Resources
  • June 30, 2015 – GSEs Announce UCD Delivery High-Level Timeline, Plus Separate Collection Solutions
  • April 7, 2015 – Uniform Closing Dataset Split Disclosure Guidance and Other Updates
  • February 24, 2015 – GSEs Publish Uniform Closing Dataset Delivery Specification
  • December 16, 2014 – Uniform Closing Dataset High–Level Implementation Timeline
  • July 15, 2014 – GSEs Provide Additional Resources to Support the Uniform Closing Dataset
  • March 11, 2014 – GSEs Publish UCD MISMO–Mapping Document to Support CFPB's Closing Disclosure
  • November 26, 2013 – GSEs Developing Standardized Dataset to Support CFPB's Closing Disclosure Form

Freqently Asked Questions

Vendors Involved in the Closing Process – Submit Your Contact Information

Please submit your contact information to receive updates and resources to support your UCD implementation.

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If you have questions about the UCD, please email

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UCD Custom Build Lender Timeline Calendar

UCD Vendor Timeline Calendar

Lender Working With a Vendor Timeline

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