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The TRID Database (Transportation Research International Documentation) is a database that combines the records from USA Transportation Research Board's Transportation Research Information Services database and the Organisation for Economic Co-operation and Development's Joint Transport Research Centre's International Transport Research Documentation (ITRD) Database.
TILA-RESPA Integrated Disclosure Rule (TRID): effective October 2015, TRID was required by the Dodd-Frank act and requires the use of new, integrated disclosure forms for consumers at the time of application and settlement-known as the Loan Estimate (LE) and the Closing Disclosure (CD).
When these are received, TRID is considered to be triggered and the three-day clock starts. [ 2 ] Loan Estimates are considered binding in that the lender's costs cannot change and if the lender's estimates of third-party costs are off by more than 10% the lender must cover the difference (this is called "curing").
The Real Estate Settlement Procedures Act (RESPA) was a law passed by the United States Congress in 1974 and codified as Title 12, Chapter 27 of the United States Code, 12 U.S.C. §§ 2601–2617.
HUD-1 Settlement Statement. The HUD-1 Settlement Statement is a standardized mortgage lending form in use in the United States of America on which creditors or their closing agents itemize all charges imposed on buyers and sellers in consumer credit mortgage transactions.
WASHINGTON (Reuters) - -Alcoholic drinks should carry a label warning consumers about their cancer risks, the U.S. Surgeon General said in an advisory on Friday, noting that their consumption ...
While these are general guidelines, it is important to keep in mind that different contexts for discomfort are not always immediately apparent, Dr. Shah points out. Therefore, a good rule of thumb ...
With average car insurance rates soaring, it's an ideal time to shop around for a new auto policy. Our step-by-step guide simplifies the process — with money-saving tips on getting the best deal ...