UCD Support

The Uniform Closing Dataset (UCD) is a component of the Uniform Mortgage Data Program® (UMDP®), an ongoing effort by Fannie Mae and Freddie Mac (the GSEs) at the direction of their regulator, the Federal Housing Finance Agency (FHFA), to provide a common industry dataset to support the Consumer Financial Protection Bureau’s (CFPB) Closing Disclosure (CD). Starting in 2013, the UCD was developed from the CFPB’s Know Before You Owe (KBYO) regulation. In defining the new dataset, the GSEs used all of the field data defined on the Closing Disclosure (CD), along with the addition of a few GSE-specific fields.

UCD Timeline

The GSEs recognize that several necessary updates to Qualified Mortgage (QM) data points in Q1 2022 required industry attention that would otherwise have been focused on preparing for Phase 3. Therefore, we are moving the implementation date for the Phase 3 mandate for UCD Critical Edits to May 1, 2023, and the Phase 4 transition to November 6, 2023.

External Resources

For the latest UCD announcements, see:

Additional resources:

Documentation

UCD Phase III: Known IssuesApril, 2023, downloadable MS Excel file

UCD Phase 3B: Frequently Asked Questions (FAQ)October, 2023 (new!)

UCD Phase III: Frequently Asked Questions (FAQ)March, 2023

Configuring UCD Fee Settings using Business RulesMarch, 2023

UCD Phase II: Fannie Mae and Freddie Mac Error Codes and Encompass Mapping InfoMarch, 2022, downloadable MS Excel file

Encompass UCD Mapping Guide April, 2022

UCD: Common Warnings and Encompass Mapping InfoApril, 2021, downloadable MS Excel file

Attach Final Closing Disclosure PDFs to UCD Submissions (for Encompass Docs Solution Users) April, 2018

Attach Final Closing Disclosure PDFs to UCD Submissions (for Non-Encompass Docs Solution Users) April, 2018

Encompass UCD FAQOctober , 2017

Working with UCD Data in Encompass (June, 2017)

Registering and Getting Started with Fannie Mae’s UCD Collection Solution in EncompassOctober, 2017

Registering and Getting Started with Loan Closing Advisor in EncompassJuly, 2017

Online Help

Help: Itemization Fee Management

Help: Fannie Mae UCD Transfer Setting

Help: Export to UCD Feature

Videos

How to Send UCD Data from Encompass to Fannie Mae (3:38) - This video demonstrates how to send UCD data directly to Fannie Mae via Fannie Mae's UCD Collection Solution integration in Encompass.

How to Send UCD Data from Encompass to Freddie Mac (3:23) This video demonstrates how to send UCD data directly to Freddie Mac via their Loan Closing Advisor integration in Encompass.

Watch the Support for UCD Export XML Files Tutorial (12:43) - This video discusses how to access the Adjustments and Other Details pop-up window on the Closing Disclosure Page 3, how to enter detailed UCD information in the pop-up window, and how data from the window is populated back to the Closing Disclosure Page 3.

Webinars