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Every year major changes appear and this year is no exception. The continued expansion of the integrated disclosure rules (TRID) continues with massive changes published in July 2017, with mandatory compliance on October 1, 2018. The new Economic Growth, Regulatory Relief and Consumer Protection Act (EGRRCPA) was signed into law on May 24, 2018. It impacts several sections of Regulation Z. Some of the revised provisions were effective upon enactment, other sections are delayed. Clarification to Regulation B government monitoring information requirements has been published. HMDA/Regulation C underwent massive revisions effective January 1, 2018, were impacted by EGRRCPA on May 24, 2018, and further proposed changes were announced on May 2, 2019. The program and the manual have been completely updated for these rules
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