CFPB Mortgage Credit RFI Asks for Input on TRID, Rescission and Reverse Mortgage Disclosures

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The request could shape future disclosure relief, but it does not change current TRID, rescission, or reverse mortgage compliance obligations.

The CFPB mortgage credit RFI published in the Federal Register on July 9, 2026 asks the public for information on potential regulatory changes tied to mortgage disclosures and borrower access to credit. The Consumer Financial Protection Bureau is specifically looking at burdens connected to TILA-RESPA Integrated Disclosures, the right of rescission, and reverse mortgage disclosures.

For mortgage professionals, this matters because the topics named in the request sit right in the middle of daily production and closing flow. The notice does not change today’s rules, but it signals that the CFPB is gathering input on whether parts of the disclosure framework create unnecessary burden for industry participants or consumers.

Key takeaways

• The CFPB mortgage credit RFI was published in the Federal Register on July 9, 2026.
• The Bureau is seeking public input on burdens tied to TRID, the right of rescission, and reverse mortgage disclosures.
• The notice is about potential regulatory changes; it is not a final rule and does not change current compliance requirements.
• Loan officers should keep following existing disclosure procedures while documenting borrower-facing friction that compliance teams may want to raise.

Sources

• Federal Register — Request for Information Regarding Promoting Access to Mortgage Credit

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