Uniform Closing Dataset

Improving closing data integration and consistency

Revised UCD critical edits transition timeline
Based on industry feedback, Fannie Mae and Freddie Mac changed the implementation dates for the last two phases of the Uniform Closing Dataset (UCD) critical edits transition. Phase 3 critical edits will be implemented in production as warning-to-fatal severity in November 2022 and transition to fatal severity on May 1, 2023, followed in six months by Phase 4 on Nov. 6, 2023.

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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

Revised UCD Critical Edits Transition Timeline
Fannie Mae and Freddie Mac (the GSEs) are announcing changes to the Uniform Closing Dataset (UCD) Critical Edit transition based on continued industry feedback that considers competing priorities, strategic implementation planning, and available resources for both lenders and technology solution providers (TSPs). The transition is designed to enhance data quality and consistency for single-family loans purchased by the GSEs. The GSEs are revising the timeline for the remaining phases.

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