Title Action Network Can Help Industry Influence TRID Reform
July 15, 2026
As regulators consider potential changes to mortgage disclosure rules, ALTA encourages title professionals to engage through ALTA's grassroots advocacy platform the Title Action Network (TAN).
The Consumer Financial Protection Bureau's (CFPB) recent request for public input on mortgage regulations has created a significant opportunity for title professionals to help shape the future of the real estate closing process.
In July, the CFPB issued a Request for Information (RFI) seeking feedback on ways to reduce regulatory burdens in the mortgage market. Among the areas under review are the TILA-RESPA Integrated Disclosure (TRID) requirements, which govern the timing and delivery of mortgage disclosures and play a central role in residential real estate transactions.
More than a decade after TRID's implementation, the CFPB is seeking comment on whether current disclosure and timing requirements remain appropriate and whether they create unnecessary operational burdens for lenders, settlement agents and consumers. The agency is also evaluating whether existing requirements delay closings or create compliance risks without materially improving borrower understanding. The review presents a rare opportunity to share firsthand experiences about how the rule operates in practice for title and settlement professionals.
"Title professionals are uniquely positioned to explain how regulations affect consumers and real estate transactions at the closing table," said ALTA CEO Chris Morton. "When policymakers seek feedback, it's important that they hear from the professionals who work with these requirements every day."
Since taking effect in 2015, TRID has reshaped the mortgage closing process by standardizing disclosures and increasing transparency for borrowers. At the same time, many industry participants have identified provisions that can create operational challenges, particularly when changes occur late in a transaction.
Whether those concerns involve disclosure timing requirements, redisclosure triggers, fee tolerances or coordination between lenders and settlement agents, title professionals often see the practical impact of regulatory requirements firsthand. That perspective can help policymakers better understand how regulations affect transaction timelines, operational costs and consumer experiences.
The CFPB's review underscores the importance of industry engagement through the TAN. Being a member of TAN is free and connects title professionals with federal and state policymakers on issues affecting the title insurance and settlement industry. Members receive updates on legislative and regulatory developments and can participate in advocacy campaigns designed to amplify the industry's voice.
"Too often, policymakers hear from regulators, lenders and other stakeholders without hearing directly from title professionals," Morton said. "The Title Action Network gives our industry a way to share real-world experiences and demonstrate how policy decisions affect consumers, businesses and the real estate market."
ALTA encourages title professionals to join TAN and remain engaged as the CFPB evaluates comments and considers potential regulatory changes. Deadline to submit comments to the bureau is Aug. 10.
ALTA is convening a work group to help develop industry comments ahead of the deadline.
Contact ALTA at 202-296-3671 or [email protected].