Perhaps the most significant change in the proposed rule the CFPB issued late last month to clarify its TRID rule is guidance on sharing disclosures with various parties involved in the mortgage origination process in light of privacy concerns. “The bureau has been asked repeatedly by creditors, settlement agents, and real estate agents about the sharing of the closing disclosure with third parties involved in the mortgage transaction,” the proposal stated. “These inquiries have largely concerned which third parties may receive a copy of the CD but have also concerned whether a combined CD form must be provided to the consumer and seller or whether separate CD forms may be provided to the consumer and the seller.” The CFPB provided ...