SF.FreddieMac.com

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).

Revised UCD Critical Edits Implementation Timeline

The GSEs are divided the Phase 3 critical edits into two subsets: 3A and 3B. Phase 3A edits transitioned to critical on May 1, 2023. The second subset of edits, Phase 3B, will transition to critical/fatal on Nov. 6, 2023. The critical edit transition date for Phase 4 has been deferred.

Phases Timeline

UCD Phases Timeline

Enlarge Image

 

Read the April 11 announcement for more information.

What's New

 

Additional Resources

UCD Resources

Reference Documents

Loan Closing Advisor Release Notes

UCD Implementation Resources

Appendix C — Sample Closing Disclosures 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.

Appendix E — UCD Implementation Guide


Appendix E: 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).

Appendix F — Non-Seller


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.

Appendix G — UCD Samples


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

Appendix I — Uniform Closing Dataset


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


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

UCD Critical Edits Implementation Guide


The GSEs created this guide to help users understand and prepare the transition from “warning” to “critical” edits.

Recent Announcements

2023

2022

2021

2020

2019

2018

2017