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Uniform Closing Dataset

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 the Federal Housing Finance Agency (FHFA).

 

Read the March 28, 2024 announcement for more information.

What's New

 

Additional Resources

UCD Resources

UCD Reference Materials

Loan Closing Advisor Release Notes

Archived Loan Closing Advisor Release Notes can be found on the Resource and Learning site.

UCD v1.5 Specification Resources

Closing Disclosure with Reference Numbers


To support the UCD, the GSEs have published sample numbered Closing Disclosure forms with red “Form Field IDs” superimposed by each field.

UCD v1.5 Implementation Guide


UCD Implementation Guide, Version 1.3 (UCD I-Guide) was created by the GSEs solely to help users understand and implement the Uniform Closing Dataset (UCD).

UCD v1.5 Sample CDs

Download the zipped folder to see sample use cases for Non-Seller ARM Interest-Only, Non-Seller ARMs, Non-Seller Fixed, Purchase ARMs, Purchase Fixed, and Split Disclosure.

UCD v1.5 Samples
XML Files

Zipped folder containing MISMO 3.3.0, NonSeller ARM, Non-Seller ARM IO, Non-Seller Fixed, Purchase ARM, Purchase Fixed, and Split Disclosure Fixed

UCD v1.5 Specification

Fannie Mae and Freddie Mac (the GSEs), under the direction of the Federal Housing Finance Agency (FHFA), have developed a common industry dataset, called the Uniform Closing Dataset (UCD), to support the Consumer Financial Protection Bureau’s (CFPB) Closing Disclosure.

The UCD Critical Edits Matrix
- UPDATED

A joint document developed by Freddie Mac/Fannie Mae with datapoints and associated datapoints categorized by implementation phases.

UCD v2.0 Specification Resources

UCD v2.0 Specification - NEW

The GSEs published the Uniform Closing Dataset v2.0 Specification (UCD v2.0) to provide clearer UCD XML file requirements to help sellers improve data quality. The UCD v2.0 incorporates all requirements documented in previously published UCD Impact Memos, the UCD Critical Edits Matrix and other resources.

UCD v2.0 Specification Quick Start Guide

Provides a high-level overview of the key UCD v2.0 Specification changes.

UCD EXTENSION Schema

Specifies the data points in the ucd:FEE_DETAIL_EXTENSION container.

The UCD Critical Edits Matrix


A joint document developed by Freddie/Fannie with datapoints and associated datapoints categorized by implementation phases.

Coming Soon:

To assist with adoption of UCD v2.0, the GSEs will be publishing the following resources in Q4 2024:

  • UCD v2.0 Implementation Guide
  • UCD v2.0 Test Case Suite
  • UCD v2.0 Validation Schema (UCD v2.0 “Subschema”)

Recent Announcements

2024

2023

2022

2021

2020

2019

2018

2017

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