Uniform Closing Dataset

Improving closing data integration and consistency

UCD Phase 3 critical edits transition
Uniform Closing Dataset (UCD) Phase 3 critical edits were implemented in production as warning-to-fatal severity on Nov. 7. We encourage lenders and technology service providers to review feedback messages and prepare now before the Phase 3 critical edits turn fatal on May 1, 2023.

Read the Latest Announcement

Access Critical Edits Transition Resources

Read the updated UCD Release Notes


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 Critical Edits Phase 3: New Resources Available
Fannie Mae and Freddie Mac (the GSEs) published new and updated Uniform Closing Dataset (UCD) critical edits resources to help lenders and software partners/technology solution providers prepare for Phase 3. The Phase 3 UCD critical edits mandate is quickly approaching. On May 1, 2023, specified edits in each GSE’s UCD collection solution will convert from “warning” to “critical/fatal.” As a reminder, the UCD critical edits transition is designed to improve data quality and consistency for single-family loans that the GSEs purchase.

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UCD Highlights