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

Fannie Mae and Freddie Mac have published a timeline on their websites outlining key updates to the Uniform Closing Dataset (UCD) scheduled between 2024 and 2026.

The timeline includes the following milestones:

  • Publication of the updated specification

  • Availability for testing in lower GSE environments

  • Deployment in GSE production environments

  • Availability for testing in lower GSE environments

  • Schedule for edits to appear as warnings in UCD findings

  • Schedule for edits to escalate to fatal or critical status

  • Availability for testing in lower GSE environments

  • Schedule for edits to appear as warnings in UCD findings

  • Schedule for edits to escalate to fatal or critical status

  • Availability for testing in lower GSE environments

  • Schedule for edits to appear as warnings in UCD findings

  • Schedule for edits to escalate to fatal or critical status

Documentation

Working with UCD Data in Encompass(June, 2017)

Registering and Getting Started with Freddie Mac's Loan Closing Advisor in EncompassJuly, 2017

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

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

  • Timeline (Coming Soon!)

  • FAQ (Coming Soon!)

Encompass UCD v1.5 Mapping Guide April, 2022

Encompass UCD v2.0 Mapping Guide Coming Soon!

Encompass Settings (Coming Soon)

Encompass Settings to Fee Itemization (Coming Soon)

UCD Fee Enumerations: Frequently Asked Questions (FAQ) (Coming Soon)

Configuring UCD Fee Settings using Business RulesMarch, 2023

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

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

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

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

FAQ Coming Soon!

Encompass UCD FAQOctober , 2017

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

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