Uniform Closing Dataset

Improving closing data integration and consistency

UCD critical edits phase 3A transitioned to fatal
Fannie Mae and Freddie Mac announced new resources to assist with the Uniform Closing Dataset (UCD) critical edits Phase 3A and 3B transition from warning to fatal. The Phase 3A edits transitioned to fatal on May 1, 2023, and Phase 3B will transition on Nov. 6, 2023.

Read the Announcement  Refer to the updated timeline

Access critical edits transition resources


Part of the Uniform Mortgage Data Program® (UMDP®), the Uniform Closing Dataset (UCD) is an ongoing effort by Fannie Mae and Freddie Mac to provide a common industry dataset supporting the Consumer Financial Protection Bureau’s (CFPB) Borrower Closing Disclosure.

What's New

UCD Phase 3B critical edits update

Certain Uniform Closing Dataset (UCD) Phase 3B critical edits that limit the fee enumerations allowed in three sections of the Closing Disclosure will not turn critical/fatal on Nov. 6, 2023. On Sept. 9, the impacted edits will be updated from “warning-to-fatal” to “warning” severity in our UCD Collection Solution and in the UCD Fannie Mae Connect™ reporting. All other Phase 3B critical edits will transition to critical/fatal as planned on Nov. 6.

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UCD Highlights