Uniform Closing Dataset
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.
Frequently Asked Questions
UCD Specification
Below are the resources required to implement the UCD XML file.
Integration Impact Memos
- Quick Guide for UCD Enhancements | Oct. 12, 2022
- UCD B2B Gateway Cloud Migration Integration Impact Memo | July 13, 2022
- UCD Critical Edits Updates – Phases 1 and 2 | Dec. 2, 2021
Related Links
- CFPB's TILA-RESPA Integrated Disclosure Rule Implementation
- Joint GSE UCD Critical Edits Phase 3 Feedback Message Mapping
- Technology Integration
- UCD Critical Edits Matrix
- UCD Critical Edits – Implementation Guide
- UCD Test Environment
- UMDP Disclaimer and Limitation on Liability
- Uniform Mortgage Data Program (UMDP)