Separation of Buyer and Seller Closing Disclosures

Closing a real estate transaction on time and based on clear and accurate information is a priority for real estate professionals, regardless of whether the agent is representing the buyer or the seller in the transaction. However, whether a real estate professional can obtain closing information for the buyer and/or seller is often not the same from transaction-to- transaction.

There are legal reasons for when a real estate professional can view buyer or seller information grounded in the TILA-RESPA Integrated Disclosure regulations (“TRID”) and federal and state privacy laws. The following summary addresses common issues experienced by real estate professionals as it relates to closing information.


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RESPA provides consumers with improved disclosures of settlement costs & to reduce the costs of closing by eliminating referral fees and kickbacks.

TRID Closing Disclosures Summary

Check out NAR's TRID closing disclosure summary, which provides an overview of buyer/seller CDs and disclosure to real estate professionals.