Delivering
Uniform Closing Dataset
Improving closing data integration and consistency
Fannie Mae and Freddie Mac (the GSEs) are announcing the beginning of the Uniform Closing Dataset (UCD) v2.0 Specification (UCD v2.0) Initiative transition period on September 29, 2025. Phase 3B Postponed and Phase 4 warning/warning-to-fatal edits are now available in our collection solutions’ production environments and UCD v2.0 XML files are accepted. In addition, the GSEs are providing an update on the UCD v2.0 Initiative timeline.
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 (Updated Sept. 29)
- 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 (Updated Sept. 29)
- UCD v2.0 Sample CDs (Updated Sept. 29)
- UCD v2.0 Sample XML Files (Updated Sept. 29)
- UCD v2.0 Development Subschema (Updated Sept. 29)
- Numbered Closing Disclosure
Version 1.5 Spec
Help & Training
- Loan Price Quote Interest Rate Percent Job Aid (New Sept. 29)
- 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