---
title: Closing Disclosure Form Before 8/1/2015? | SoftPro Blog
description: In a letter to the Mortgage Bankers Association, the CFPB's director assures lenders that errors in new rules won't lead to lawsuits. Learn more.
---

[SoftPro Blog](https://blog.softprocorp.com)

# [Closing Disclosure Form Before 8/1/2015? | SoftPro Blog](https://blog.softprocorp.com/2014/09/17/can-the-closing-disclosure-form-be-used-prior-to-august-1-2015)

 Written by [SoftPro](https://blog.softprocorp.com/author/leslie.wyattsoftprocorp.com) | 9/17/14, 2:58 PM

That is the most frequently asked question among title and settlement agent regarding the August 1, 2015 implementation date for Integrated Mortgage Closing Disclosure Form (CDF).  Can a lender/creditor require a settlement agent to use the form prior to August 1, 2015?  The CFPB addressed this question their Compliance Guide.

Can a creditor use the new Integrated Disclosures for applications received before August 1, 2015?

No. For transactions where the **application** is received prior to August 1, 2015, creditors will still need to follow the current disclosure requirements under Regulations X and Z, and use the existing forms (Truth-in-Lending disclosures, GFE, HUD-1).

To view the entire Compliance Guide click below:  
[http://www.consumerfinance.gov/f/201409\_cfpb\_tila-respa-integrated-disclosure-rule\_compliance-guide.pdf](http://www.consumerfinance.gov/f/201409_cfpb_tila-respa-integrated-disclosure-rule_compliance-guide.pdf)

[View full post](https://blog.softprocorp.com/2014/09/17/can-the-closing-disclosure-form-be-used-prior-to-august-1-2015)

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