uniform closing dataset (ucd) specification...read me this addendum to appendices a/b: closing...
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Uniform Closing Dataset (UCD) Specification Issued by Fannie Mae and Freddie Mac
Appendix A: Closing Disclosure Mapping to the MISMO v3.3 Reference Model
Document Version 1.3 - AddendumJune 30, 2015
in support of the
Integrated Mortgage Closing Disclosure under the Real Estate Settlement Procedures Act (Regulation X)
and the Truth In Lending Act (Regulation Z)
Issued by the CONSUMER FINANCIAL PROTECTION BUREAU
Published in the Federal Register on December 31, 2013
©2015 Freddie Mac and Fannie Mae. All Rights Reserved.
MISMO® is a registered trademark of the Mortgage Industry Standards Maintenance Organization.
This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of their regulator, the Federal Housing Finance Agency.
Confidential - Internal Distribution
Read Me
This Addendum to Appendices A/B: Closing Disclosure Mapping to the MISMO v3.3.0 Reference Model Document v1.3 , is intentended to provide implementers with timely notice about corrections
identified to date by various stakeholders. These changes, and any others that are subsequently identified, will be incorporated into the next full release of the UCD documentation planned for later
this year.
This Addendum contains a list of these changes in XPath order.The Addendum is structured exactly like Appendix I, with the inclusion of two additional columns: Change Category-- Provides quick,
high-level view of the change(s) to the associated data point; and Change Description --comments to add background behind or explanation of the change.
Changes are indicated in the body of the worksheet as either Red Strikethrough (Red Strikethrough) for text that is being removed or Blue Underline (Blue Underline) for text that is being added. If an
enumeration is being added or deleted, only that enumeration is shown; the entire valid enumerated list is not repeated here.
The revisions in this Addendum fall into the following categories:
Revise Form Field ID / Name: 4
Revise XPath: 7
Add Data Points: 7
Delete Data Points: 5
Add Enumerations: For 15 data points
Deleted Enumerations: From 8 data points
Revise Conditionality: 6
Revise Conditionality Details: 43
Revise Notes: 9
Correct typo: 2
Note that the following data points are added to existing v3.3.0 structures through the use of the EXTENSION/OTHER containers.
DOCUMENT_CLASSIFICATION_DETAIL/EXTENSION/OTHER/DocumentSignatureRequiredIndicator
Appendix A/B: Closing Disclosure Mapping to the MISMO v3.3.0 Reference Model
Read Me 2 of 14Document Version 1.3 - Addendum
June 30, 2015
UCD Delivery Specification Updates
Unique ID Change Category
(Add | Delete |
Revise)
Change Description UCD Sort
ID
UCD Data Point
Category
Closing
Disclosure
Form Field
ID
Closing Disclosure
Form Field Name
MISMO v3.3 XPath MISMO v3.3 Parent
Container
MISMO v3.3 Data Point Name MISMO v3.3 Data Point
Definition
UCD Supported Enumerations UCD
Conditionality
UCD Conditionality Details UCD Format
2.001 Add
Enumerations
Add enums to support
provision of Closing
Disclosure to non-borrower
non-title spouses and other
57 CFPB Form
Requirement
2.1 Borrower MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLE
S/ROLE/ROLE_DETAIL
ROLE_DETAIL PartyRoleType Identifies the role that the
party plays in the
transaction. Parties may
be either a person or legal
NonTitleSpouse
TitleHolder
R Enumerated
4.035 Revise
Conditionality
Details
Update Cond. Dets. to use
new
BuydownReflectedInNoteIndi
cator
129 CFPB Form
Requirement
4.2.1 Interest Rate MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/BUYDO
WN/BUYDOWN_OCCURRENCES/BUYDOWN_
OCCURRENCE
BUYDOWN_OCCURREN
CE
BuydownInitialEffectiveInterestRa
tePercent
The final bought down
interest rate. The rate that
the applicant will pay after
the buydown is applied.
CR IF BuydownReflectedInNoteIndicator =
"true"
BuydownTemporarySubsidyFundingIndica
tor = "true" AND
Percent 3.4
4.036 Revise
Conditionality
Details
Update Cond. Dets. to use
new
BuydownReflectedInNoteIndi
cator
130 CFPB Form
Requirement
4.2.1 Interest Rate MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/TERMS_
OF_LOAN
TERMS_OF_LOAN WeightedAverageInterestRatePer
cent
An average of the different
interest rates applicable to
the transaction, based on
the portions of the
amount to which each
CR IF BuydownReflectedInNoteIndicator =
“false” AND interest rate is precomputed
Percent 3.4
4.037 Revise
Conditionality
Details
Correct Cond. Dets. 131 CFPB Form
Requirement
4.2.1 Interest Rate MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/TERMS_
OF_LOAN
TERMS_OF_LOAN DisclosedFullyIndexedRatePercen
t
The value of the fully
indexed interest rate,
expressed as a percent,
that must be disclosed to
the borrower for
adjustable rate mortgages.
CR IF AmortizationType = “AdjustableRate”
AND interest rate (start rate) is not known
at consummation.interest rate changes
based upon an external index
Percent 3.4
4.006 Revise
Conditionality
Details | Revise
Notes
Update Cond. Dets. to use
new
BuydownReflectedInNoteIndi
cator and Consistency with
App H/I .
127 CFPB Form
Requirement
4.2.1 Initial Interest Rate MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/TERMS_
OF_LOAN
TERMS_OF_LOAN NoteRatePercent The actual interest rate as
disclosed on the note.
CR IF
BuydownReflectedInNoteTemporarySubsi
dyFundingIndicator = "false" AND interest
rate is NOT precomputed AND interest
rate (start rate) note rate is known at time
of consummation.
Percent 3.4
4.009 Revise
Conditionality
Details
Allow structure to be used
for both ARMs and Step Rate
loans. Buydowns have own
structure.
139 CFPB Form
Requirement
4.2.3 Interest Rate - YES MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUST
MENT/INTEREST_RATE_ADJUSTMENT/INTER
EST_RATE_LIFETIME_ADJUSTMENT_RULE
INTEREST_RATE_LIFETI
ME_ADJUSTMENT_RUL
E
CeilingRatePercentEarliestEffectiv
eMonthsCount
The minimum number of
months at which the
maximum interest rate
could be reached.
CR IF InterestRateIncreaseIndicator = "true"
AND BuydownReflectedInNoteIndicator =
"false" AmortizationType =
"AdjustableRate".
Numeric 3
4.008 Revise
Conditionality
Details
Allow structure to be used
for both ARMs and Step Rate
loans. Buydowns have own
structure.
140 CFPB Form
Requirement
4.2.3 Interest Rate - YES
Maximum Interest
Rate
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUST
MENT/INTEREST_RATE_ADJUSTMENT/INTER
EST_RATE_LIFETIME_ADJUSTMENT_RULE
INTEREST_RATE_LIFETI
ME_ADJUSTMENT_RUL
E
CeilingRatePercent The stated maximum
percentage to which the
interest rate can increase
over the life of the loan.
CR IF InterestRateIncreaseIndicator = "true"
AND BuydownReflectedInNoteIndicator =
"false" AmortizationType =
"AdjustableRate".
Percent 3.4
4.012 Revise
Conditionality
Details
Allow structure to be used
for both ARMs and Step Rate
loans. Buydowns have own
structure.
138 CFPB Form
Requirement
4.2.3 Interest Rate - YES
Limits on Interest Rate -
Change Frequency -
First Change
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUST
MENT/INTEREST_RATE_ADJUSTMENT/INTER
EST_RATE_LIFETIME_ADJUSTMENT_RULE
INTEREST_RATE_LIFETI
ME_ADJUSTMENT_RUL
E
FirstRateChangeMonthsCount The number of months
after origination in which
the first interest rate
adjustment occurs, if the
interest rate on the
subject loan can change.
CR IF InterestRateIncreaseIndicator = "true"
AND BuydownReflectedInNoteIndicator =
"false"
Numeric 3
4.011 Revise
Conditionality
Details
Correct Cond. Details 137 CFPB Form
Requirement
4.2.3 Interest Rate - YES MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUST
MENT/INTEREST_RATE_ADJUSTMENT/INTER
EST_RATE_PER_CHANGE_ADJUSTMENT_RUL
ES/INTEREST_RATE_PER_CHANGE_ADJUSTM
INTEREST_RATE_PER_C
HANGE_ADJUSTMENT_
RULE
PerChangeRateAdjustmentFreque
ncyMonthsCount
The number of months
between rate adjustments,
if the interest rate on the
subject loan can change.
CR IF InterestRateIncreaseIndicator = "true"
AND BuydownReflectedInNoteIndicator =
"false"
Numeric 3
4.010 Revise
Conditionality
Details
Allow structure to be used
for both ARMs and Step Rate
loans. Buydowns have own
structure.
136 CFPB Form
Requirement
4.2.3 Interest Rate - YES MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUST
MENT/INTEREST_RATE_ADJUSTMENT/INTER
EST_RATE_PER_CHANGE_ADJUSTMENT_RUL
INTEREST_RATE_PER_C
HANGE_ADJUSTMENT_
RULE
AdjustmentRuleType Specifies whether the
occurrence of the
adjustment is the first
change or a subsequent
change.
First CR IF InterestRateIncreaseIndicator = "true"
AND BuydownReflectedInNoteIndicator =
"false"
Enumerated
4.028 Revise
Conditionality
Details | Revise
Notes
Indicate mutual exclusivity 158 CFPB Form
Requirement
4.4.3 Prepayment Penalty -
YES
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/PREPAY
MENT_PENALTY/PREPAYMENT_PENALTY_LIF
ETIME_RULE
PREPAYMENT_PENALTY
_LIFETIME_RULE
PrepaymentPenaltyExpirationDat
e
The last date when a
prepayment penalty may
be imposed.
CR IF PrepaymentPenaltyIndicator = "true"
AND
PrepaymentPenaltyExpirationMonthsCou
nt does not exist
YYYY-MM-DD
4.044 Revise
Conditionality
Details | Revise
Notes
Indicate mutual exclusivity 156 CFPB Form
Requirement
4.4.3 Prepayment Penalty -
YES
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/PREPAY
MENT_PENALTY/PREPAYMENT_PENALTY_LIF
ETIME_RULE
PREPAYMENT_PENALTY
_LIFETIME_RULE
PrepaymentPenaltyExpirationMo
nthsCount
The number of months
from the loan closing that
a prepayment penalty may
be imposed.
CR IF PrepaymentPenaltyIndicator = "true"
AND PrepaymentPenaltyExpirationDate
does not exist.
Numeric 3
5.074 Revise
Conditionality
Details
Simplification of
Conditionality Details
193 CFPB Form
Requirement
5.1.2 | 5.1.3
| 5.1.4
Payment Calculation -
Years
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/DOCUM
ENT_SPECIFIC_DATA_SETS/DOCUMENT_SPE
CIFIC_DATA_SET/INTEGRATED_DISCLOSURE/
PROJECTED_PAYMENTS/PROJECTED_PAYME
PROJECTED_PAYMENT ProjectedPaymentCalculationPeri
odEndNumber
The end number of the
projected payment period.
Used in conjunction with
Projected Payment
Calculation Period Term
Type.
CR IF SequenceNumber = "2" OR "3" OR "4"
IF changes occur to the payment after the
first period.
Numeric 2
Appendix H/I: UCD Delivery Specification - Addendum
UCD Delivery Specification 3 of 14Document Version 1.1 - Addendum
June 30, 2015
UCD Delivery Specification Updates
Unique ID Change Category
(Add | Delete |
Revise)
Change Description UCD Sort
ID
UCD Data Point
Category
Closing
Disclosure
Form Field
ID
Closing Disclosure
Form Field Name
MISMO v3.3 XPath MISMO v3.3 Parent
Container
MISMO v3.3 Data Point Name MISMO v3.3 Data Point
Definition
UCD Supported Enumerations UCD
Conditionality
UCD Conditionality Details UCD Format
5.072 Add
Enumerations |
Revise
Conditionality
Details
Add enum to support final
balloon payment | Revise
Cond. Det. to capture all
events that would require
more than one Projected
Payments table column
191 CFPB Form
Requirement
5.1.2 | 5.1.3
| 5.1.4
Payment Calculation -
Years
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/DOCUM
ENT_SPECIFIC_DATA_SETS/DOCUMENT_SPE
CIFIC_DATA_SET/INTEGRATED_DISCLOSURE/
PROJECTED_PAYMENTS/PROJECTED_PAYME
PROJECTED_PAYMENT ProjectedPaymentCalculationPeri
odTermType
The duration of time used
to define the projected
payment period.
Other CR IF BalloonIndicator = "true" AND this is
the period for the final payment
IF changes occur to the payment after the
first period.
Enumerated
5.104 Add Data Point Addition of data point
to support terminology
needed for last column of
Projected Payments table for
Balloon loans
TBD CFPB Form
Requirement
5.1.2 | 5.1.3
| 5.1.4
Payment Calculation -
Years
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/DOCUM
ENT_SPECIFIC_DATA_SETS/DOCUMENT_SPE
CIFIC_DATA_SET/INTEGRATED_DISCLOSURE/
PROJECTED_PAYMENT ProjectedPaymentCalculationPeri
odTermTypeOtherDescription
A free-form text field used
to capture additional
information when Other is
selected for Projected
Payment Calculation
FinalPayment CR IF
ProjectPaymentCalculationPeriodTermTyp
e = "Other".
String 30
5.077 Revise
Conditionality
Details
Simplification of
Conditionality Details
196 CFPB Form
Requirement
5.2.5 | 5.2.7
| 5.2.9
Principal & Interest MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/DOCUM
ENT_SPECIFIC_DATA_SETS/DOCUMENT_SPE
PROJECTED_PAYMENT ProjectedPaymentPrincipalAndInt
erestMaximumPaymentAmount
The maximum amount of
the principal and interest
payment during the
projected payment period.
CR IF SequenceNumber = "2" OR "3" OR "4"
IF AmortizationType <> "Fixed"
Amount 9.2
5.007 Revise UCD Notes If MIRequriedIndicator =
"false", must pass a "0" for
the first instance.
182 CFPB Form
Requirement
5.3.1 Mortgage Insurance MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/DOCUM
ENT_SPECIFIC_DATA_SETS/DOCUMENT_SPE
CIFIC_DATA_SET/INTEGRATED_DISCLOSURE/
PROJECTED_PAYMENTS/PROJECTED_PAYME
NT
PROJECTED_PAYMENT ProjectedPaymentMIPaymentAm
ount
The amount of the
payment that is applied
toward mortgage
insurance during the
projected payment period.
R Amount 9.2
5.080 Revise
Conditionality
Details
Simplification of
Conditionality Details
200 CFPB Form
Requirement
5.3.2 | 5.3.3
| 5.3.4
Mortgage Insurance MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/DOCUM
ENT_SPECIFIC_DATA_SETS/DOCUMENT_SPE
CIFIC_DATA_SET/INTEGRATED_DISCLOSURE/
PROJECTED_PAYMENTS/PROJECTED_PAYME
PROJECTED_PAYMENT ProjectedPaymentMIPaymentAm
ount
The amount of the
payment that is applied
toward mortgage
insurance during the
projected payment period.
CR IF SequenceNumber = "2" OR "3" OR "4"
IF MIRequiredIndicator = "true" and IF
additional period of payments exists.
Amount 9.2
5.082 Revise
Conditionality
Details
Simplification of
Conditionality Details
202 CFPB Form
Requirement
5.4.2 | 5.4.3
| 5.4.4
Estimated Escrow
YES- Initial Escrow
Payment
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/DOCUM
ENT_SPECIFIC_DATA_SETS/DOCUMENT_SPE
CIFIC_DATA_SET/INTEGRATED_DISCLOSURE/
PROJECTED_PAYMENTS/PROJECTED_PAYME
NT
PROJECTED_PAYMENT ProjectedPaymentEstimatedEscro
wPaymentAmount
The estimated amount of
the payment that is
applied toward escrows
during the projected
payment period.
CR IF SequenceNumber = "2" OR "3" OR "4"
IF EscrowIndication = "true" AND
additional period of payments exist.
Amount 9.2
5.009 | 5.084 Revise XPath Moved from PAYMENT_RULE
to PROJECTED_PAYMENT
142 CFPB Form
Requirement
5.5 Estimated Total
(Period) Payment
Estimated Taxes,
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/DOCUM
PROJECTED_PAYMENT_
RULE
PaymentFrequencyType Specifies the frequency of
the mortgage payment.
Annual
AtMaturity
Biweekly
R Enumerated
5.048 Revise
Conditionality
Details
Correction to Non-Seller
Conditionality Details
188 CFPB Form
Requirement
5.5.1 Estimated Total
(Period) Payment
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/DOCUM
ENT_SPECIFIC_DATA_SETS/DOCUMENT_SPE
CIFIC_DATA_SET/INTEGRATED_DISCLOSURE/
PROJECTED_PAYMENT ProjectedPaymentEstimatedTotal
MinimumPaymentAmount
The estimated minimum
amount of the total
payment during the
projected payment period.
CR IF there is a total payment range for this
period.
Amount 9.2
5.086 Revise
Conditionality
Details
Simplification of
Conditionality Details
206 CFPB Form
Requirement
5.5.4 | 5.5.6
| 5.5.8
Estimated Total
(Period) Payment
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/DOCUM
ENT_SPECIFIC_DATA_SETS/DOCUMENT_SPE
CIFIC_DATA_SET/INTEGRATED_DISCLOSURE/
PROJECTED_PAYMENTS/PROJECTED_PAYME
NT
PROJECTED_PAYMENT ProjectedPaymentEstimatedTotal
MaximumPaymentAmount
The estimated maximum
amount of the total
payment during the
projected payment period.
CR IF SequenceNumber = "2" OR "3" OR "4"
IF AmortizationType <> "Fixed" and there
are distinct minimum and maximum
values
Amount 9.2
5.065 Revise XPath Moved from PAYMENT_RULE
to PROJECTED_PAYMENT
142 CFPB Form
Requirement
5.6.2 Estimated Total
(Period) Payment
Estimated Taxes,
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/DOCUM
PROJECTED_PAYMENT_
RULE
PaymentFrequencyType Specifies the frequency of
the mortgage payment.
Annual
AtMaturity
Biweekly
R Enumerated
7.026 Add
Enumerations
263 CFPB Form
Requirement
7.5 B. Services Borrower
Did Not Shop For - Fee
Description
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/FEE_INF
ORMATION/FEES/FEE/FEE_DETAIL
FEE_DETAIL FeeType Specifies the general type
of fees associated with a
real estate finance
transaction.
MIUpfrontPremium CR IF services borrower did not shop for are
part of this transaction.
Enumerated
8.276 Add
Enumerations |
Delete
Enumerations
Provide enumerated list for
EscrowItemType (not
EscrowCategoryItemType)
397 CFPB Form
Requirement
8.12 G. Initial Escrow
Payment at Closing -
Mortgage Insurance
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/ESCRO
W/ESCROW_ITEMS/ESCROW_ITEM/ESCROW
_ITEM_DETAIL
ESCROW_ITEM_DETAIL EscrowItemType Specifies the type of
Escrow Item.
MortgageInsurance
MI
CR IF escrow item exists. Enumerated
8.284 Add
Enumerations |
Delete
Enumerations
Provide enumerated list for
EscrowItemType (not
EscrowCategoryItemType)
408 CFPB Form
Requirement
8.13 G. Initial Escrow
Payment at Closing -
Property Taxes
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/ESCRO
W/ESCROW_ITEMS/ESCROW_ITEM/ESCROW
_ITEM_DETAIL
ESCROW_ITEM_DETAIL EscrowItemType Specifies the type of
Escrow Item.
CityPropertyTax
CountyPropertyTax
DistrictPropertyTax
StatePropertyTax
TownPropertyTax
PropertyTaxes
CR IF escrow item exists. Enumerated
Appendix H/I: UCD Delivery Specification - Addendum
UCD Delivery Specification 4 of 14Document Version 1.1 - Addendum
June 30, 2015
UCD Delivery Specification Updates
Unique ID Change Category
(Add | Delete |
Revise)
Change Description UCD Sort
ID
UCD Data Point
Category
Closing
Disclosure
Form Field
ID
Closing Disclosure
Form Field Name
MISMO v3.3 XPath MISMO v3.3 Parent
Container
MISMO v3.3 Data Point Name MISMO v3.3 Data Point
Definition
UCD Supported Enumerations UCD
Conditionality
UCD Conditionality Details UCD Format
8.175 Add
Enumerations |
Delete
Enumerations
Provide enumerated list for
EscrowItemType (not
EscrowCategoryItemType)
419 CFPB Form
Requirement
8.14 G. Initial Escrow
Payment at Closing -
Other Items
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/ESCRO
W/ESCROW_ITEMS/ESCROW_ITEM/ESCROW
_ITEM_DETAIL
ESCROW_ITEM_DETAIL EscrowItemType Specifies the type of
Escrow Item.
AssessmentTax
CondominiumAssociationDues
CondominiumAssociationSpecialAssessment
CooperativeAssociationDues
CooperativeAssociationSpecialAssessment
EarthquakeInsurance
FloodInsurance
HailInsurancePremium
HomeownersAssociationDues
HomeownersAssociationSpecialAssessment
VolcanoInsurance
WindStormInsurance
AssociationDues
Holdback
CR IF escrow item exists. Enumerated
10.197 Add
Enumerations
580 CFPB Form
Requirement
11.8 K. Due from Borrower
at Closing -
Adjustments for Items
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/CLOSIN
PRORATION_ITEM ProrationItemType Identification of a monthly
housing expense
component that must be
Other CR IF adjustment for item paid by seller in
advance exists.
Enumerated
10.205 Delete
Enumerations |
Revise Notes
Mistakenly included as a
ProrationItemType
enumeration.
589 CFPB Form
Requirement
11.9 M. Due to Seller at
Closing - Adjustments
for Items Paid By Seller
in Advance - Other
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/CLOSIN
G_INFORMATION/PRORATION_ITEMS/PROR
ATION_ITEM
PRORATION_ITEM ProrationItemTypeOtherDescripti
on
A free-form text field used
to collect additional
information when Other is
selected for Proration Item
Type.
SellersReserveAccountAssumption CR IF ProrationItemType = "Other". String 150
10.291 Revise
Conditionality
Details
Correct Cond. Dets. 605 CFPB Form
Requirement
12.4 L. Paid Already by or
on Behalf of Borrower
at Closing - Other
Items Amount
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_
DETAIL
LOAN_DETAIL TotalSubordinateFinancingAmou
nt
The total amount of
subordinate financing
associated with the loan.
For example, the
subordinate financing
amount as disclosed in the
Details of Transaction
CR IF "ClosingAdjustmentItemType =
ProceedsofSubordinatedLiens"
IF ClosingAdjustmentItemType =
"SatisfactionOfSubordinateLien" AND item
exists
Amount 9.2
10.119 Add
Enumerations
620 CFPB Form
Requirement
12.6 L. Paid Already by or
on Behalf of Borrower
at Closing - Other
Credits
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/CLOSIN
G_INFORMATION/CLOSING_ADJUSTMENT_I
TEMS/CLOSING_ADJUSTMENT_ITEM/CLOSIN
CLOSING_ADJUSTMENT
_ITEM_DETAIL
ClosingAdjustmentItemTypeOthe
rDescription
A free-form text field used
to collect additional
information when Other is
selected for Closing
Adjustment Item Type.
SellersReserveAccountAssumption CR IF ClosingAdjustmentItemType = "Other" String 150
10.006 Revise
Conditionality |
Revise
Conditionality
636 CFPB Form
Requirement
12.8 L. Paid Already by or
on Behalf of Borrower
at Closing -
Adjustments for Items
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/CLOSIN
G_INFORMATION/PRORATION_ITEMS/PROR
PRORATION_ITEM IntegratedDisclosureSectionType The title or description
used to identify a primary
section of the integrated
disclosure document.
PaidAlreadyByOrOnBehalfOfBorrowerAtClosing CR
R
IF Unique ID 10.215 exists in the
transaction.
Enumerated
10.227 Add
Enumerations
652 CFPB Form
Requirement
12.10 L. Paid Already by or
on Behalf of Borrower
at Closing -
Adjustments for Items
Unpaid by Seller -
Assessment
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/CLOSIN
G_INFORMATION/PRORATION_ITEMS/PROR
ATION_ITEM
PRORATION_ITEM ProrationItemType Identification of a monthly
housing expense
component that must be
paid in advance.
Other CR IF adjustment for item unpaid by seller in
advance exists.
Enumerated
10.234 Delete
Enumerations |
Revise Notes
Mistakenly included as a
ProrationItemType
enumeration.
661 CFPB Form
Requirement
12.11 L. Paid Already by or
on Behalf of Borrower
at Closing -
Adjustments for Items
Unpaid by Seller -
Other
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/CLOSIN
G_INFORMATION/PRORATION_ITEMS/PROR
ATION_ITEM
PRORATION_ITEM ProrationItemTypeOtherDescripti
on
A free-form text field used
to collect additional
information when Other is
selected for Proration Item
Type.
SellersReserveAccountAssumption CR IF ProrationItemType = "Other" String 150
10.246 Add
Enumerations
702 CFPB Form
Requirement
14.6 M. Due to Seller at
Closing - Adjustments
for Items Paid By Seller
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/CLOSIN
PRORATION_ITEM ProrationItemType Identification of a monthly
housing expense
component that must be
Other CR IF adjustment for item due to seller at
closing exists.
Enumerated
10.120 Delete
Enumerations |
Revise Notes
Mistakenly included as a
ProrationItemType
enumeration.
711 CFPB Form
Requirement
14.7 M. Due to Seller at
Closing - Adjustments
for Items Paid By Seller
in Advance - Other
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/CLOSIN
G_INFORMATION/PRORATION_ITEMS/PROR
ATION_ITEM
PRORATION_ITEM ProrationItemTypeOtherDescripti
on
A free-form text field used
to collect additional
information when Other is
selected for Proration Item
Type.
SellersReserveAccountAssumption CR IF ProrationItemType = "Other" String 150
10.317 Revise Form Field
ID / Name
Addresses business case
where Seller pays off certain
existing liabilities as part of a
745 CFPB Form
Requirement
15.6
15.8
N. Due from Seller at
Closing -
Other Items
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LIABILITIES/LIABILITY/
OTHER IntegratedDisclosureSectionType The title or description
used to identify a primary
section of the integrated
DueFromSellerAtClosing CR IF Unique ID 10.304 exists in the
transaction.
Enumerated
10.352 Revise Form Field
ID / Name
Addresses business case
where Seller pays off certain
existing liabilities as part of a
750 CFPB Form
Requirement
15.6
15.8
N. Due from Seller at
Closing -
Other Items
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LIABILITIES/LIABILITY/
LIABILITY_DETAIL LiabilityDescription A text description that
further defines the
Liability. This could be
CR IF Borrower is paying off the Seller's
subordinate lien.
String 150
10.377 Revise Form Field
ID / Name
Addresses business case
where Seller pays off certain
existing liabilities as part of a
747 CFPB Form
Requirement
15.6
15.8
N. Due from Seller at
Closing -
Other Items
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LIABILITIES/LIABILITY/
LIABILITY_DETAIL DisplayLabelText A free-form text field that
provides a human-
readable, display-ready
CR IF text displayed on the form differs from
the associated enumeration.
String 150
10.304 Revise Form Field
ID / Name
Addresses business case
where Seller pays off certain
existing liabilities as part of a
746 CFPB Form
Requirement
15.8 N. Due from Seller at
Closing -
Other Items
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LIABILITIES/LIABILITY/
LIABILITY_DETAIL LiabilityType Specifies the general
names (types) of items
commonly listed as
CollectionsJudgmentsAndLiens
DeferredStudentLoan
Garnishments
CR IF liability to be paid off is Due From Seller
at Closing.
Enumerated
10.261 Add
Enumerations |
Revise Notes
Add enumeration to use with
ClosingAdjustmentTypeOthe
rDesciption if applicable.
754 CFPB Form
Requirement
15.8 N. Due from Seller at
Closing
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/CLOSIN
G_INFORMATION/CLOSING_ADJUSTMENT_I
TEMS/CLOSING_ADJUSTMENT_ITEM/CLOSIN
CLOSING_ADJUSTMENT
_ITEM_DETAIL
ClosingAdjustmentItemTypeOthe
rDescription
A free-form text field used
to collect additional
information when Other is
selected for Closing
Adjustment Item Type.
SellersReserveAccountAssumption CR IF ClosingAdjustmentItemType = "Other". String 150
10.281 Add
Enumerations
773 CFPB Form
Requirement
15.11 N. Due from Seller at
Closing -Adjustments
for Items Unpaid by
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/CLOSIN
PRORATION_ITEM ProrationItemType Identification of a monthly
housing expense
component that must be
Other CR IF item exists. Enumerated
Appendix H/I: UCD Delivery Specification - Addendum
UCD Delivery Specification 5 of 14Document Version 1.1 - Addendum
June 30, 2015
UCD Delivery Specification Updates
Unique ID Change Category
(Add | Delete |
Revise)
Change Description UCD Sort
ID
UCD Data Point
Category
Closing
Disclosure
Form Field
ID
Closing Disclosure
Form Field Name
MISMO v3.3 XPath MISMO v3.3 Parent
Container
MISMO v3.3 Data Point Name MISMO v3.3 Data Point
Definition
UCD Supported Enumerations UCD
Conditionality
UCD Conditionality Details UCD Format
10.152 Delete
Enumerations |
Revise Notes
Mistakenly included as a
ProrationItemType
enumeration.
782 CFPB Form
Requirement
15.12 N. Due from Seller at
Closing -Adjustments
for Items Unpaid by
Seller - Other
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/CLOSIN
G_INFORMATION/PRORATION_ITEMS/PROR
ATION_ITEM
PRORATION_ITEM ProrationItemTypeOtherDescripti
on
A free-form text field used
to collect additional
information when Other is
selected for Proration Item
Type.
SellersReserveAccountAssumption CR IF ProrationItemType = "Other" String 150
11.090 Add
Enumerations
Allows more flexibility in
disclosing how a partial
payment will be processed.
804 CFPB Form
Requirement
17.5 Partial Payments MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/PAYME
PARTIAL_PAYMENT PartialPaymentApplicationMetho
dType
The method used for
applying a partial payment
to the loan.
Other CR IF PartialPaymentAllowedIndicator =
"true".
Enumerated
11.115 Add Data Point Addition of data point
to support more flexibility in
disclosing how a partial
payment will be processed.
TBD CFPB Form
Requirement
17.5 Partial Payments MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/PAYME
NT/PARTIAL_PAYMENTS/PARTIAL_PAYMENT
PARTIAL_PAYMENT PartialPaymentApplicationMetho
dTypeOtherDescription
A free-form text field used
to collect additional
information when Other is
selected for Partial
CR IF PartialPaymentApplicationMethodType
= "Other"
String 150
11.038 Delete Data Point Replaced by an EXTENSION
to PAYMENT_RULE:
TotalOptionPaymentCount.
835 CFPB Form
Requirement
19.2.1 Optional Payments? MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUST
PRINCIPAL_AND_INTER
EST_ADJUSTMENT_LIMI
TED_PAYMENT_OPTION
LimitedPrincipalAndInterestPaym
entPeriodEndDate
The date on which the
limited principal and
interest payment option
CR IF PaymentOptionIndicator = "true".
11.092 Delete Data Point Replaced by an EXTENSION
to PAYMENT_RULE:
TotalOptionPaymentCount.
834 CFPB Form
Requirement
19.2.1 Optional Payments? MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUST
PRINCIPAL_AND_INTER
EST_ADJUSTMENT_LIMI
TED_PAYMENT_OPTION
LimitedPrincipalAndInterestPaym
entEffectiveDate
The date on which the
limited principal and
interest payment option
CR IF PaymentOptionIndicator = "true".
11.056 Revise
Conditionality
Details
Allow structure to be used
for both ARMs and Step Rate
loans. Buydowns have own
structure.
854 CFPB Form
Requirement
20.1 Margin MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUST
MENT/INTEREST_RATE_ADJUSTMENT/INTER
INTEREST_RATE_LIFETI
ME_ADJUSTMENT_RUL
E
MarginRatePercent The number of percentage
points to be added to the
index to arrive at the new
interest rate.
CR IF InterestRateIncreaseIndicator = "true"
AND AmortizationType =
"AdjustableRate".
Percent 3.4
11.116 Add Data Point Map data point to Initial
Interest Rate in AIR Table
TBD CFPB Form
Requirement
20.2 Initial Interest Rate MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/BUYDO
WN/BUYDOWN_OCCURRENCES/BUYDOWN_
OCCURRENCE
BUYDOWN_OCCURREN
CE
BuydownInitialEffectiveInterestRa
tePercent
The final bought down
interest rate. The rate that
the applicant will pay after
the buydown is applied.
CR IF BuydownReflectedInNoteIndicator =
"true"
Percent 3.4
11.117 Add Data Point Map data point to Initial
Interest Rate in AIR Table
TBD CFPB Form
Requirement
20.2 Initial Interest Rate MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/TERMS_
OF_LOAN
TERMS_OF_LOAN DisclosedFullyIndexedRatePercen
t
The value of the fully
indexed interest rate,
expressed as a percent,
that must be disclosed to
the borrower for
adjustable rate mortgages.
CR IF AmortizationType = “AdjustableRate”
AND interest rate (start rate) is not known
at consummation.
Percent 3.4
11.057 Revise
Conditionality
Details
Update Cond. Dets. to use
new
BuydownReflectedInNoteIndi
cator
857 CFPB Form
Requirement
20.2 Initial Interest Rate MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/TERMS_
OF_LOAN
TERMS_OF_LOAN NoteRatePercent The actual interest rate as
disclosed on the note.
CR IF
BuydownReflectedInNoteTemporarySubsi
dyFundingIndicator = "false" AND interest
rate is not precomputed AND note rate is
known at time of consummation.
Percent 3.4
11.118 Add Data Point Map data point to Initial
Interest Rate in AIR Table
TBD CFPB Form
Requirement
20.2 Initial Interest Rate MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/TERMS_
OF_LOAN
TERMS_OF_LOAN WeightedAverageInterestRatePer
cent
An average of the different
interest rates applicable to
the transaction, based on
the portions of the
amount to which each
CR IF BuydownReflectedInNoteIndicator =
“false” AND interest rate is precomputed
Percent 3.4
11.101 Delete Data Point Replaced with
FirstRateChangeMonthsCoun
t
137 CFPB Form
Requirement
20.2 MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUST
MENT/INTEREST_RATE_ADJUSTMENT/INTER
EST_RATE_PER_CHANGE_ADJUSTMENT_RUL
INTEREST_RATE_PER_C
HANGE_ADJUSTMENT_
RULE
PerChangeRateAdjustmentFreque
ncyMonthsCount
The number of months
between rate adjustments,
if the interest rate on the
subject loan can change.
CR IF InterestRateIncreaseIndicator = "true"
AND AmortizationType =
"AdjustableRate".
Numeric 3
11.059 Revise
Conditionality
Details
Allow structure to be used
for both ARMs and Step Rate
loans. Buydowns have own
structure.
140 CFPB Form
Requirement
20.3 Maximum Interest
Rate
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUST
MENT/INTEREST_RATE_ADJUSTMENT/INTER
EST_RATE_LIFETIME_ADJUSTMENT_RULE
INTEREST_RATE_LIFETI
ME_ADJUSTMENT_RUL
E
CeilingRatePercent The stated maximum
percentage to which the
interest rate can increase
over the life of the loan.
CR IF InterestRateIncreaseIndicator = "true"
AND BuydownReflectedInNoteIndicator =
"false"
Percent 3.4
11.058 Revise
Conditionality
Details
Allow structure to be used
for both ARMs and Step Rate
loans. Buydowns have own
structure.
858 CFPB Form
Requirement
20.3 Minimum Interest Rate MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUST
MENT/INTEREST_RATE_ADJUSTMENT/INTER
EST_RATE_LIFETIME_ADJUSTMENT_RULE
INTEREST_RATE_LIFETI
ME_ADJUSTMENT_RUL
E
FloorRatePercent The stated minimum
percentage the interest
rate can decrease to over
the life of the loan.
CR IF InterestRateIncreaseIndicator = "true"
AND BuydownReflectedInNoteIndicator =
"false"
Percent 3.4
11.105 Revise
Conditionality
Details
Allow structure to be used
for both ARMs and Step Rate
loans. Buydowns have own
structure.
138 CFPB Form
Requirement
20.4 Limits on Interest Rate -
Change Frequency -
First Change
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUST
MENT/INTEREST_RATE_ADJUSTMENT/INTER
EST_RATE_LIFETIME_ADJUSTMENT_RULE
INTEREST_RATE_LIFETI
ME_ADJUSTMENT_RUL
E
FirstRateChangeMonthsCount The number of months
after origination in which
the first interest rate
adjustment occurs, if the
interest rate on the
subject loan can change.
CR IF InterestRateIncreaseIndicator = "true"
AND BuydownReflectedInNoteIndicator =
"false"
Numeric 3
11.063 Revise
Conditionality
Details
Allow structure to be used
for both ARMs and Step Rate
loans. Buydowns have own
structure.
136 CFPB Form
Requirement
20.4 Limits on Interest Rate -
Change Frequency -
First Change
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUST
MENT/INTEREST_RATE_ADJUSTMENT/INTER
EST_RATE_PER_CHANGE_ADJUSTMENT_RUL
ES/INTEREST_RATE_PER_CHANGE_ADJUSTM
INTEREST_RATE_PER_C
HANGE_ADJUSTMENT_
RULE
AdjustmentRuleType Specifies whether the
occurrence of the
adjustment is the first
change or a subsequent
change.
First CR IF InterestRateIncreaseIndicator = "true"
AND BuydownReflectedInNoteIndicator =
"false" AmortizationType =
"AdjustableRate".
Enumerated
11.064 Delete Data Point Replaced with
FirstRateChangeMonthsCoun
t
137 CFPB Form
Requirement
20.4 Limits on Interest Rate -
Change Frequency -
First Change Month
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUST
MENT/INTEREST_RATE_ADJUSTMENT/INTER
INTEREST_RATE_PER_C
HANGE_ADJUSTMENT_
RULE
PerChangeRateAdjustmentFreque
ncyMonthsCount
The number of months
between rate adjustments,
if the interest rate on the
subject loan can change.
CR IF InterestRateIncreaseIndicator = "true"
AND AmortizationType =
"AdjustableRate".
Numeric 3
Appendix H/I: UCD Delivery Specification - Addendum
UCD Delivery Specification 6 of 14Document Version 1.1 - Addendum
June 30, 2015
UCD Delivery Specification Updates
Unique ID Change Category
(Add | Delete |
Revise)
Change Description UCD Sort
ID
UCD Data Point
Category
Closing
Disclosure
Form Field
ID
Closing Disclosure
Form Field Name
MISMO v3.3 XPath MISMO v3.3 Parent
Container
MISMO v3.3 Data Point Name MISMO v3.3 Data Point
Definition
UCD Supported Enumerations UCD
Conditionality
UCD Conditionality Details UCD Format
11.112 Correct typo Add missing definition 870 CFPB Form
Requirement
20.6 Limits on Interest Rate
Changes - First Change
(%)
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/BUYDO
WN/BUYDOWN_RULE/EXTENSION/OTHER
OTHER BuydownReflectedInNoteIndicato
r
When true, indicates that
the buydown rate is
reflected in the note.
false
true
CR If
BuydownTemporarySubsidyFundingIndica
tor = "True
Boolean
11.078 Revise
Conditionality
Details
Allow structure to be used
for both ARMs and Step Rate
loans. Buydowns have own
structure.
136 CFPB Form
Requirement
20.6 Limits on Interest Rate
Changes - First Change
(%)
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUST
MENT/INTEREST_RATE_ADJUSTMENT/INTER
EST_RATE_PER_CHANGE_ADJUSTMENT_RUL
ES/INTEREST_RATE_PER_CHANGE_ADJUSTM
ENT_RULE
INTEREST_RATE_PER_C
HANGE_ADJUSTMENT_
RULE
AdjustmentRuleType Specifies whether the
occurrence of the
adjustment is the first
change or a subsequent
change.
First CR IF InterestRateIncreaseIndicator = "true"
AND BuydownReflectedInNoteIndicator =
"false"
Enumerated
11.079 Revise
Conditionality
Details
Allow structure to be used
for both ARMs and Step Rate
loans. Buydowns have own
structure.
868 CFPB Form
Requirement
20.6 Limits on Interest Rate
Changes - First Change
(%)
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUST
MENT/INTEREST_RATE_ADJUSTMENT/INTER
EST_RATE_PER_CHANGE_ADJUSTMENT_RUL
ES/INTEREST_RATE_PER_CHANGE_ADJUSTM
ENT_RULE
INTEREST_RATE_PER_C
HANGE_ADJUSTMENT_
RULE
PerChangeMaximumIncreaseRate
Percent
The maximum number of
percentage points by
which the rate can
increase from the previous
interest rate.
CR IF InterestRateIncreaseIndicator = "true"
AND AdjustmentRuleType="First"
BuydownReflectedInNoteIndicator =
"false"
Percent 3.4
11.061 Revise
Conditionality
Details
Allow structure to be used
for both ARMs and Step Rate
loans. Buydowns have own
structure.
865 CFPB Form
Requirement
20.5 Limits on Interest Rate
Changes - Subsequent
Changes (%)
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUST
MENT/INTEREST_RATE_ADJUSTMENT/INTER
EST_RATE_PER_CHANGE_ADJUSTMENT_RUL
ES/INTEREST_RATE_PER_CHANGE_ADJUSTM
ENT_RULE
INTEREST_RATE_PER_C
HANGE_ADJUSTMENT_
RULE
AdjustmentRuleType Specifies whether the
occurrence of the
adjustment is the first
change or a subsequent
change.
Subsequent CR IF InterestRateIncreaseIndicator = "true"
AND BuydownReflectedInNoteIndicator =
"false"
Enumerated
11.062 Revise
Conditionality
Details
Allow structure to be used
for both ARMs and Step Rate
loans. Buydowns have own
structure.
866 CFPB Form
Requirement
20.5 Limits on Interest Rate -
Change Frequency -
Subsequent Change
Limits on Interest Rate -
Change Frequency -
First Change Month
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUST
MENT/INTEREST_RATE_ADJUSTMENT/INTER
EST_RATE_PER_CHANGE_ADJUSTMENT_RUL
ES/INTEREST_RATE_PER_CHANGE_ADJUSTM
INTEREST_RATE_PER_C
HANGE_ADJUSTMENT_
RULE
PerChangeRateAdjustmentFreque
ncyMonthsCount
The number of months
between rate adjustments,
if the interest rate on the
subject loan can change.
CR IF InterestRateIncreaseIndicator = "true"
AND AdjustmentRuleType="Subsequent"
BuydownReflectedInNoteIndicator =
"false"
Numeric 3
11.065 Revise
Conditionality
Details
Allow structure to be used
for both ARMs and Step Rate
loans. Buydowns have own
structure.
871 CFPB Form
Requirement
20.7 Limits on Interest Rate
Changes - Subsequent
Changes (%)
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUST
MENT/INTEREST_RATE_ADJUSTMENT/INTER
EST_RATE_PER_CHANGE_ADJUSTMENT_RUL
ES/INTEREST_RATE_PER_CHANGE_ADJUSTM
INTEREST_RATE_PER_C
HANGE_ADJUSTMENT_
RULE
AdjustmentRuleType Specifies whether the
occurrence of the
adjustment is the first
change or a subsequent
change.
Subsequent CR IF InterestRateIncreaseIndicator = "true"
AND AdjustmentRuleType="Subsequent"
BuydownReflectedInNoteIndicator =
"false"
Enumerated
11.066 Revise
Conditionality
Details
Allow structure to be used
for both ARMs and Step Rate
loans. Buydowns have own
structure.
873 CFPB Form
Requirement
20.7 Limits on Interest Rate
Changes - Subsequent
Changes (%)
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/ADJUST
MENT/INTEREST_RATE_ADJUSTMENT/INTER
EST_RATE_PER_CHANGE_ADJUSTMENT_RUL
ES/INTEREST_RATE_PER_CHANGE_ADJUSTM
INTEREST_RATE_PER_C
HANGE_ADJUSTMENT_
RULE
PerChangeMaximumIncreaseRate
Percent
The maximum number of
percentage points by
which the rate can
increase from the previous
interest rate.
CR IF InterestRateIncreaseIndicator = "true"
AND AdjustmentRuleType="Subsequent"
BuydownReflectedInNoteIndicator =
"false"
Percent 3.4
0.033 Revise
Conditionality
Details
Simplify and add mutual
exclusivity
20 CFPB Form
Requirement
24.2 Confirm Receipt -
Applicant Signature /
Date
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/SIGNATORIES/
SIGNATORY/EXECUTION/EXECUTION_DETAIL
EXECUTION_DETAIL ExecutionDate The date the signature was
or will be affixed to the
document.
CR IF ActualSignatureType = "Wet" AND IF
ExecutionDatetime does not exist
IF ExecutionDatetime is not present.
YYYY-MM-DD
0.049 Revise
Conditionality
Details
Simplify and add mutual
exclusivity
21 CFPB Form
Requirement
24.2 Confirm Receipt -
Applicant Signature /
Date
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/SIGNATORIES/
SIGNATORY/EXECUTION/EXECUTION_DETAIL
EXECUTION_DETAIL ExecutionDatetime The date and time the
signature was affixed to
the document.
CR IF ActualSignatureType <> "Wet" AND IF a
date and time stamp is provided by the
signing system.
YYYY-MM-
DDThh:mm:ss
7.091 Revise
Conditionality
Require data point even
when value equals zero.
471 GSE Requirement GSE GSE Specific Data
Point
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/HIGH_C
HIGH_COST_MORTGAG
E
RegulationZTotalAffiliateFeesAmo
unt
The total amount of fees,
expressed in dollars, paid
to an affiliate(s) of the
R
CR
If Affiliate fees exist. Amount 9.2
8.256 Revise XPath Data point should be
associated with fee, not
payment
357 GSE Requirement GSE GSE Specific Data
Point
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/CLOSIN
G_INFORMATION/PREPAID_ITEMS/PREPAID
_ITEM/PREPAID_ITEM_PAYMENTS/PREPAID_
ITEM_PAYMENT/PREPAID_ITEM_DETAIL
PREPAID_ITEM_PAYME
NT_DETAIL
RegulationZPointsAndFeesIndicat
or
When true, indicates that
item is included in the
Regulation Z Points and
Fees calculation.
false
true
CR IF PrepaidItemType exists AND <>
"PropertyTaxes"
Boolean
8.181 Revise XPath |
Revise
Conditionality
Details
Data point should be
associated with fee, not
payment
333 GSE Requirement GSE GSE Specific Data
Point
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/CLOSIN
G_INFORMATION/PREPAID_ITEMS/PREPAID
_ITEM/PREPAID_ITEM_PAYMENTS/PREPAID_
PREPAID_ITEM_PAYME
NT_DETAIL
RegulationZPointsAndFeesIndicat
or
When true, indicates that
item is included in the
Regulation Z Points and
Fees calculation.
false
true
CR IF PrepaidItemType exists AND <>
"PropertyTaxes"
Boolean
8.242 Revise XPath |
Revise
Conditionality
Details
Data point should be
associated with fee, not
payment
344 GSE Requirement GSE GSE Specific Data
Point
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/CLOSIN
G_INFORMATION/PREPAID_ITEMS/PREPAID
PREPAID_ITEM_PAYME
NT_DETAIL
RegulationZPointsAndFeesIndicat
or
When true, indicates that
item is included in the
Regulation Z Points and
Fees calculation.
false
true
CR IF PrepaidItemType exists AND <>
"PropertyTaxes"
Boolean
Appendix H/I: UCD Delivery Specification - Addendum
UCD Delivery Specification 7 of 14Document Version 1.1 - Addendum
June 30, 2015
UCD Delivery Specification Updates
Unique ID Change Category
(Add | Delete |
Revise)
Change Description UCD Sort
ID
UCD Data Point
Category
Closing
Disclosure
Form Field
ID
Closing Disclosure
Form Field Name
MISMO v3.3 XPath MISMO v3.3 Parent
Container
MISMO v3.3 Data Point Name MISMO v3.3 Data Point
Definition
UCD Supported Enumerations UCD
Conditionality
UCD Conditionality Details UCD Format
8.295 Revise XPath |
Revise
Conditionality
Data point should be
associated with fee, not
payment
369 GSE Requirement GSE | GSE |
GSE | GSE
GSE Specific Data
Point
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/CLOSIN
PREPAID_ITEM_PAYME
NT_DETAIL
RegulationZPointsAndFeesIndicat
or
When true, indicates that
item is included in the
Regulation Z Points and
false
true
CR IF PrepaidItemType exists AND <>
"PropertyTaxes"
Boolean
8.272 Revise XPath |
Revise
Conditionality
Data point should be
associated with fee, not
payment
381 GSE Requirement GSE | GSE |
GSE | GSE
GSE Specific Data
Point
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/CLOSIN
PREPAID_ITEM_PAYME
NT_DETAIL
RegulationZPointsAndFeesIndicat
or
When true, indicates that
item is included in the
Regulation Z Points and
false
true
CR IF PrepaidItemType exists AND <>
"PropertyTaxes"
Boolean
3.030 Revise
Conditionality |
Revise UCD Notes
Data point must be delivered
with a value
883 GSE Requirement GSE GSE Specific Data
Point
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/LOANS/LOAN/HIGH_C
OST_MORTGAGES/HIGH_COST_MORTGAGE
HIGH_COST_MORTGAG
E
RegulationZTotalPointsAndFeesA
mount
The total amount of points
and fees, expressed in
dollars, calculated in
accordance with
Regulation Z, Truth in
Lending. This amount is
used in calculations for
R
CR
IF RegulationZPointsAndFeesIndicator =
"True"
Amount 9.2
14.015 Revise
Conditionality
896 GSE Requirement GSE Contact Information -
Lender
MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DEAL_SETS/D
EAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLE
S/ROLE/LICENSES/LICENSE/LICENSE_DETAIL
LICENSE_DETAIL LicenseIssueDate The date on which the
license was issued.
R
CR
IF lender's License ID is NOT the NMLS ID YYYY-MM-DD
0.021 Correct typo Data Point 7 XML Requirement XML XML Requirement MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/AUDIT_TRAIL/
AUDIT_TRAIL_ENTRIES/AUDIT_TRAIL_ENTRY
/AUDIT_TRAIL_ENTRY_DETAIL
AUDIT_TRAIL_ENTRY_D
ETAIL
EventTypeOtherDescription A free-form text field used
to describe the type of
action or state if Other is
selected as the Event
AppliedTramperEvidentSignature CR IF SYSTEM_SIGNATURE is present. String 150
0.030 Add
Enumerations |
Delete
Enumerations
Enable identification of
different Closing Disclosure
templates.
14 XML Requirement XML XML Requirement MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DOCUMENT_
CLASSIFICATION/DOCUMENT_CLASSES/DOC
UMENT_CLASS
DOCUMENT_CLASS DocumentType Identifies a specific
document defined at a
granular level. May be
modified or further
Other
Closing Disclosure
R Enumerated
0.046 Revise
Conditionality |
Revise
Conditionality
Details
Enable identification of
different Closing Disclosure
templates.
15 XML Requirement XML XML Requirement MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DOCUMENT_
CLASSIFICATION/DOCUMENT_CLASSES/DOC
UMENT_CLASS
DOCUMENT_CLASS DocumentTypeOtherDescription A free-form text field used
to collect additional
information when Other is
selected for Document
Type.
ClosingDisclosure:Alternate
ClosingDisclosure:BorrowerOnly
ClosingDisclosure:SellerOnly
ClosingDisclosure:Standard
R
CR
IF there are separate Borrower and Seller
Documents
String 150
0.031 Revise
Conditionality
Details
Updates conditionality
details to use new data point
18 XML Requirement XML XML Requirement MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/SIGNATORIES/
SIGNATORY/EXECUTION/EXECUTION_DETAIL
EXECUTION_DETAIL ActualSignatureType The ActualSignatureType
contains the actual type of
the signature applied to
the signature field.
Digital
Image
Other
Text
CR IF DocumentSignatureRequiredIndicator =
"true"
IF SIGNATORY is present
Enumerated
0.051 Add Data Point Adds a data point to indicate
whether the associated
DocumentType requires a
signature. Note this data
point is in an EXTENSION
24 XML Requirement XML XML Requirement MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/DOCUMENT_
CLASSIFICATION/DOCUMENT_CLASSIFICATIO
N_DETAIL/EXTENSION/OTHER
OTHER DocumentSignatureRequiredIndic
ator
When true, indicates that
a signatory must execute a
signature on the
document
false
true
R Boolean
0.050 Add Data Point Data point needed to replace
MIMETypeVersionIdentifier
11 XML Requirement XML XML Requirement MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/VIEWS/VIEW/
VIEW_FILES/VIEW_FILE/FOREIGN_OBJECT
FOREIGN_OBJECT MIMETypeIdentifier Indicates the Multipurpose
Internet Mail Extensions
type of the data in the
resource. A registered list
of these types is available
at
http://www.iana.org/assig
nments/media-types/ AND
http://tools.ietf.org/html/r
fc2045. In addition, there
is a defined syntax for
application/pdf R String 30
0.026 Delete Data Point Incorrect 11 XML Requirement XML XML Requirement MESSAGE/DOCUMENT_SETS/DOCUMENT_S
ET/DOCUMENTS/DOCUMENT/VIEWS/VIEW/
VIEW_FILES/VIEW_FILE/FOREIGN_OBJECT
FOREIGN_OBJECT MIMETypeVersionIdentifier The version of the content
type. Used when the
MIMETypeIdentifier is not
enough to uniquely
application/pdf R String 30
Appendix H/I: UCD Delivery Specification - Addendum
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June 30, 2015
UCD Delivery Specification Updates
UCD Notes
Mutually exclusive with
DisclosedFullyIndexedRatePercent and
WeightedAverageInterestRate and
NoteRatePercent
Mutually exclusive with NoteRatePercent and
DisclosedFullyIndexedRatePercent and
BuydownInitialEffectiveInterestRatePercent
Mutually exclusive with NoteRatePercent and
WeightedAverageInterestRate and
BuydownInitialEffectiveInterestRatePercent
Mutually exclusive with
DisclosedFullyIndexedRatePercent and
WeightedAverageInterestRate and
BuydownInitialEffectiveInterestRatePercent
Mutually exclusive with
PrepaymentPenaltyExpirationMonthsCount
Mutually exclusive with
PrepaymentPenaltyExpirationDate
Appendix H/I: UCD Delivery Specification - Addendum
UCD Delivery Specification 9 of 14Document Version 1.1 - Addendum
June 30, 2015
UCD Delivery Specification Updates
UCD Notes
Value must be > = 0.
Repeats as necessary up to 3 times
Repeats as necessary up to 3 times
Repeat as necessary.
Appendix H/I: UCD Delivery Specification - Addendum
UCD Delivery Specification 10 of 14Document Version 1.1 - Addendum
June 30, 2015
UCD Delivery Specification Updates
UCD Notes
Repeat as necessary.
New Definition: A collection of values that
specify a cost already paid by one party that
must be prorated at the time of loan closing and OtherTypeDescription may also include values
not specified in the "UCD Supported
Enumerations" column
This is the note amount for new subordinate
financing second loan. In case of a payoff, this is
the unpaid principal balance including accrued
unpaid interest and fees.
OtherTypeDescription may also include values
not specified in the "UCD Supported
Enumerations" column
MISMO 3.4 New Definition: A collection of
values that specify a cost already paid by one
party that must be prorated at the time of loan
closing and allocated between a property seller,
homebuyer, or other parties to a real estate
transaction.OtherTypeDescription may also include values
not specified in the "UCD Supported
Enumerations" column
MISMO 3.4 New Definition: A collection of
values that specify a cost already paid by one
party that must be prorated at the time of loan OtherTypeDescription may also include values
not specified in the "UCD Supported
Enumerations" column
OtherTypeDescription may also include values
not specified in the "UCD Supported
Enumerations" column
MISMO 3.4 New Definition: A collection of
values that specify a cost already paid by one
party that must be prorated at the time of loan Appendix H/I: UCD Delivery Specification - Addendum
UCD Delivery Specification 11 of 14Document Version 1.1 - Addendum
June 30, 2015
UCD Delivery Specification Updates
UCD Notes
OtherTypeDescription may also include values
not specified in the "UCD Supported
Enumerations" column
Mutually exclusive with
DisclosedFullyIndexedRatePercent and
WeightedAverageInterestRate and
NoteRatePercent
Mutually exclusive with NoteRatePercent and
WeightedAverageInterestRate and
BuydownInitialEffectiveInterestRatePercent
Mutually exclusive with NoteRatePercent and
DisclosedFullyIndexedRatePercent and
BuydownInitialEffectiveInterestRatePercent
Appendix H/I: UCD Delivery Specification - Addendum
UCD Delivery Specification 12 of 14Document Version 1.1 - Addendum
June 30, 2015
UCD Delivery Specification Updates
UCD Notes
One instance per party for which a signature will
be captured.
One instance per party for which a signature will
be captured.
Must be > = 0
The total amount of all items listed in Regulation
Appendix H/I: UCD Delivery Specification - Addendum
UCD Delivery Specification 13 of 14Document Version 1.1 - Addendum
June 30, 2015
UCD Delivery Specification Updates
UCD Notes
Refer to Regulation Z, Truth in Lending, 12 CFR
1026.32 (b)(1).
Enter the total points and fees excluding bona
fide discount points.
Must be > = 0
Appendix H/I: UCD Delivery Specification - Addendum
UCD Delivery Specification 14 of 14Document Version 1.1 - Addendum
June 30, 2015