Uniform Closing Dataset
Fannie Mae and Freddie Mac announced the availability of their Uniform Closing Dataset (UCD) collection solutions test environments on June 30, 2025. Customers are now able to test UCD XML submission files for compliance with UCD v2.0 Specification (UCD v2.0) and UCD Critical Edits Phase 3B Postponed and Phase 4 requirements. The test environments will return “critical/fatal” edits and feedback messages to help you prepare for the UCD v2.0 and the critical edits’ transitions.
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
Version 2.0 Spec
- UCD v2.0 Specification
- UCD v2.0 Quick Start Guide
- UCD v2.0 Production Schema
- UCD v2.0 Readiness Checklist – Lenders
- UCD v2.0 Readiness Checklist – Direct Integrators
- UCD v2.0 Implementation Guide
- UCD v2.0 Critical Edits Matrix
- UCD v2.0 Sample CDs
- UCD v2.0 Sample XML Files
- UCD v2.0 Development Subschema
- Numbered Closing Disclosure
Version 1.5 Spec
Help & Training
- EarlyCheck and Loan Delivery Qualified Mortgage (QM) Edits Job Aid
- UCD Phase 3 Critical Edits Job Aid: Fees
- UCD Phase 3 Critical Edits Job Aid: Loan Discount Points and Lender Credits
- UCD Phase 3 Critical Edits Job Aid: Escrows
- UCD Phase 3 Critical Edits Job Aid: Qualified Mortgage Short Reset ARM APR Percent
- UCD Phase 3 Critical Edits Job Aid: Prepaids
- UCD Phase 3 Critical Edits Job Aid: Taxes and Other Government Fees