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Uniform Closing Dataset

November 17, 2015

Important Notice

The GSEs have published updates to the UCD specification, including Appendix A: Closing Disclosure Mapping to the MISMO v3.3.0 Reference Model v1.4 and Appendix H: UCD Delivery Specification v1.2. The GSEs expect lenders and software solution providers to implement and deliver this version of the UCD specification to Freddie Mac and Fannie Mae.

Learn More

Working together, Freddie Mac and Fannie Mae (the GSEs) have provided a common industry dataset called the Uniform Closing Dataset (UCD) to support the Consumer Financial Protection Bureau's (CFPB) Closing Disclosure. We published the UCD MISMO-mapping document, Appendix B: Closing Disclosure Mapping to the MISMO v3.3 Reference Model, and Appendix I: UCD Delivery Specification. It’s important that lenders and vendors develop a plan for how they will implement the UCD. Using the UCD to implement the CFPB's Closing Disclosure could save you time and resources.

The GSEs will implement separate collection solutions for lenders to start delivering the UCD no later than the fourth quarter (Q4) of 2016 and will mandate the delivery of the UCD no earlier than in the second quarter (Q2) of 2017 for all loans acquired by Freddie Mac or Fannie Mae.

Closing Vendors: If you're a vendor involved in the mortgage closing process, please review Appendix B: Closing Disclosure Mapping to the MISMO v3.3 Reference Model. In addition, send us your contact information to receive news and information from the GSEs as you prepare to implement the UCD.

Lenders: Talk with your closing vendors about the GSE requirement for lenders to deliver the UCD. Discuss what this will mean for your joint processes and technologies. Encourage them to review and implement the UCD MISMO-mapping document.

Business Resources

Technical Resources


Single-Family News Center Articles

  • 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

Check out the MBA’s TILA RESPA Integrated Disclosure (TRID) Forums, including a session on The Rule’s Implications for Closing/Settlement.

UCD Tutorial

Be sure to check out our tutorial with an overview of the UCD.

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.

Submit Contact Information


If you have questions about the UCD, please email

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