What is the purpose of the TRID integrated disclosures?

• A. Combine disclosures for clarity
• B. Increase the number of disclosures
• C. Exclude closing costs from disclosures
• D. Delay disclosure accuracy until closing

Answer: (A)

TRID integrated disclosures are designed to simplify and unify the mortgage disclosures required under TILA and RESPA, giving borrowers clear, accurate information early in the process and again before closing. Instead of a tangled set of separate forms, TRID consolidates the information into two main documents: the Loan Estimate and the Closing Disclosure. This pairing helps borrowers understand and compare loan terms and total costs, reducing surprises at closing.

That’s why combining disclosures for clarity is the best answer. The other options don’t fit: TRID actually reduces the number of disclosures by providing two integrated forms, it includes closing costs on the Closing Disclosure, and it aims to provide accurate information well before closing rather than delaying it.