This initiative, the TRUTH IN LENDING ACT will integrate the REAL ESTATE SETTLEMENT AND PROCEDURE ACT INTEGRATED DISCLOSURE rule (TRID) into existing disclosures from the Dodd-Frank Act.  This takes effect MONDAY, OCTOBER 3, 2015.  These tools are intended to (1)  improve consumers’ understanding of the mortgage process, (2)assist in comparison shopping and (3) help prevent surprises at closing.   The kiT offers (A) a guide to the new mortgage closing forms, (B) a closing fact sheet, (C) a disclosure timeline and (D)  educational videos.  May delay closings a week or so till all this ironed out,  SHOULD HELP THE CONSUMER.