The GSEs said treating items like payoffs, holdbacks and principal curtailments as closing costs in the Consumer Financial Protection Bureau’s disclosures would just confuse borrowers. Fannie Mae and Freddie Mac submitted comments to the CFPB last week in response to the bureau’s proposed amendments to the integrated disclosure requirements under the Truth in Lending Act and Real Estate Settlement Procedures Act. The comments focused primarily on aspects of the proposed rule that may potentially affect the Uniform Closing Dataset developed by the GSEs. The GSEs disagreed with the proposed rule’s plan to lump non-closing cost fees under...