TRID grace period bill looks for a plan B

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Soon after the new TILA-RESPA Integrated Disclosure rule went into effect Oct. 3, the House of Representatives was scheduled to vote on a bill that would formalize the CFPB’s hold harmless grace period. The House passed H.R. 3192 by a vote of 303 to 121, but how did it get there and what will happen now?

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Congress requests trid grace Period. in Daily Dose, Featured, Government, News May 28, 2015 471 Views

In order to move the bill along, at the beginning of December, Rep. French Hill, R-Ark., and 21 other members of Congress sent a letter to Speaker of the house paul ryan, Majority Leader Kevin McCarthy and House Appropriations Committee Chairman Hal Rogers, urging them to add the provisions of H.R. 3192, the Homebuyers Assistance Act, to any year-end spending legislation.

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A bipartisan group of 255 members of Congress have sent a letter to the CFPB seeking a grace period for enforcement of the TILA-RESPA Integrated Disclosure (TRID) rule which becomes effective on August 1, 2015. In March 2015, the CFPB received a similar request from a group of 17 trade associations and organizations.

Tying it to appropriations bill to avoid veto. The Homebuyers Assistance Act, H.R. 3192, which passed the House in October by a vote of 303-121, has yet to make its way to the Senate and the president has threatened to veto it if it gets to his desk. The bill provides a four-month grace period for businesses that are working in good faith.

Despite numerous attempts to pass it, a bill that would define a four-month grace period for TRID enforcement is still stuck in Congress – and the White House has already promised to veto it.

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However, the year-end spending bill was announced late tuesday, and the Homebuyers Assistance Act failed to make the list. trid grace period bill looks for a plan B | 2015-12-16 | HousingWire Sign In

Scroll Down For My Complimentary TRID Rider and Offer Timeline Cheatsheet. I’ve been doing a lot of speaking, and more importantly, thinking and collaborating with loan officers and Realtors, on the impact of the new TRID (Truth in Lending RESPA/Integrated Disclosure) on Massachusetts residential real estate transactions.