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Mortgage Collabortive

The Mortgage Collaborative and NAHREP Consulting Announce Strategic Alliance

SAN DIEGO, Calif. /California Newswire/ -- The Mortgage Collaborative (TMC), an independent lending cooperative serving small- to mid-sized mortgage lenders and community-based lending institutions, has formed a strategic alliance with NAHREP Consulting Services (NCS), announced TMC Vice Chairman David G. Kittle, CMB.
ReverseVision RVX LOS

ReverseVision Inc. Debuts Credit Report Integration with Certified Credit Reporting

SAN DIEGO, Calif. /California Newswire/ -- ReverseVision, Inc. has announced its newest credit report partnership with Certified Credit Reporting, a nationwide provider of credit reports and mortgage information services. This integration within RV Exchange (RVX), ReverseVision's flagship reverse loan origination system (RLOS) platform, increases RVX users' choice of automated credit report services.

ReverseVision Jan. 2016 Inaugural User Conference features keynote from Jamie Hopkins

SAN DIEGO, Calif. /California Newswire/ -- ReverseVision, Inc. today announced that noted financial planning expert Jamie Hopkins, Esq., JD, CLU(R), RICP(R), an associate professor of taxation at The American College in Bryn Mawr, Pennsylvania will deliver the keynote address at its inaugural User Conference 2016.

Jeffrey S. Taylor of ReverseVision Honored by NRMLA for Reverse Mortgage Leadership

SAN DIEGO, Calif. /California Newswire/ -- ReverseVision, Inc. today announced that board member Jeffrey S. Taylor, Master CMB, has received the National Reverse Mortgage Lenders Association (NRMLA) Career Achievement Award. The award was presented to Taylor at NRMLA's 2015 Annual Meeting and Expo held November 16-18 in San Francisco.

BNP Paribas Brings SmartStops Online Risk Management Tools to Italian Finance Market

SAN FRANCISCO, Calif. /California Newswire/ -- SmartStops, an online service that helps investors of all levels manage investment risk, announced today that it has extended its relationship with BNP Paribas and is now available to investors in the Italian market.

Financial Firms Can Better Comply with Servicemembers Civil Relief Act with Quandis' Military Search Service

FOOTHILL RANCH, Calif. /California Newswire/ -- Quandis, Inc., a leading provider of default management technology solutions, announced today that it developed and incorporated a sophisticated data parsing and analysis component into its Military Search Service. The new functionality assists servicers and default attorneys in adhering to the Servicemembers Civil Relief Act (SCRA) in order to avoid non-compliance, lawsuits and fines.

EPIC Insurance Brokers Named a 2015 Elite Agency by Insurance Business America

SAN FRANCISCO, Calif. /California Newswire/ -- EPIC Insurance Brokers and Consultants ('EPIC'), a retail property, casualty insurance brokerage and employee benefits consultant, announced today that it has been named a 2015 Elite Agency by Insurance Business America, a publication that reports on the latest achievements in insurance and also provides the latest in business best practices in a continually evolving industry.

Michelle Doyle joins The Compliance Group as Director of QC to Oversee Mortgage Quality Control Services

CARLSBAD, Calif. /California Newswire/ -- Leading mortgage compliance and quality control (QC) services provider The Compliance Group, Inc. (TCG) announced it has hired Michelle Doyle as Director of Quality Control. Doyle brings more than two decades of experience in mortgage underwriting, quality control, risk mitigation and compliance to her new role at TCG.
ReverseVision RVX LOS

Deloitte's 2015 Technology Fast 500: ReverseVision Ranked No. 367 Fastest Growing Company in North America

SAN DIEGO, Calif. /California Newswire/ -- ReverseVision today announced it ranked number 367 on Deloitte's Technology Fast 500, a ranking of the 500 'fastest growing' technology, media, telecommunications, life sciences and energy tech companies in North America. ReverseVision grew 175.1 percent during this period.

MCT Trading, Inc. Acquires Assets of PLar Analytics and PB Pacific Partners

SAN DIEGO, Calif. /California Newswire/ -- MCT Trading, Inc., a recognized industry leader in mortgage risk management providing pipeline hedging, best-execution loan sales and centralized lock desk services, announced that it has acquired certain key assets of PLar Analytics, LLC, a provider of financial models for mortgage bankers, and of PB Pacific Partners, LLC, which offers consulting services on capital markets and mortgage servicing.

EPIC Insurance Brokers adds Daniel Garcia in Petaluma, California

SAN FRANCISCO, Calif. /California Newswire/ -- EPIC Insurance Brokers and Consultants, a retail property, casualty insurance brokerage and employee benefits consultant, announced today that Daniel Garcia has joined as a property and casualty insurance broker/producer in the firm's Petaluma office. He will report locally to North Bay managing principal, Mike Ryan.

MCT Trading COO Phil Rasori Earns 'Top 40 Under 40' Award from San Diego Metro Magazine

SAN DIEGO, Calif. /California Newswire/ -- MCT Trading, Inc., a recognized industry leader in mortgage risk management providing pipeline hedging, best-execution loan sales and centralized lock desk services, announced that its COO, Phil Rasori, was named to San Diego Metro (SD Metro) magazine's prestigious Top 40 Under 40 list for 2015.

Dana Liedel of EPIC Insurance honored among 2015 Most Influential Women in Benefits Advising

SAN FRANCISCO, Calif. /California Newswire/ -- EPIC Insurance Brokers and Consultants, a retail property and casualty insurance brokerage and employee benefits consultant, announced today that Dana Liedel, Managing Principal of EPIC's Employer Services Platform, has been recognized among 'The Most Influential Women in Benefits Advising' by Employee Benefits Advisor Magazine.

Veros Real Estate Solutions' Home Valuation Annual Forecast 2015 is Strongest in More Than Two Years

SANTA ANA, Calif. /California Newswire/ -- Veros Real Estate Solutions, an award-winning industry leader in enterprise risk management, collateral valuation services and predictive analytics, today reports that residential market values will continue in a positive trajectory over the next 12 months, with overall annual appreciation rising to +3.6 percent from its Q2 forecast of 3.1 percent. The number of markets expected to increase in value is up to 94 percent from last quarter's 90 percent.

EPIC Insurance Brokers adds DeAnna Slater in Fresno to fuel further growth across Central Valley

SAN FRANCISCO, Calif. /California Newswire/ -- EPIC Insurance Brokers and Consultants, a retail property, casualty insurance brokerage and employee benefits consultant, announced today that DeAnna Slater has joined as a principal and property and casualty insurance broker/producer in the firm's Fresno office. She will report locally to managing principal, Terri Parreira.

The Mortgage Collaborative continues strong year of growth with seven new lender members added

SAN DIEGO, Calif. /California Newswire/ -- The Mortgage Collaborative, an independent mortgage lending cooperative, today announced the formal approval of 7 new lenders to their national network of originating members, announced the Collaborative's EVP of National Sales and Strategic Alliances, Rich Swerbinsky.

Bank of Southern California N.A. promotes Rhonda Guthrie to Senior VP

SAN DIEGO, Calif. /California Newswire/ -- Bank of Southern California, N.A. (OTCQB:FBBN / OTCMKTS:FBBN) has announced the promotion of Rhonda Guthrie to the position of Senior Vice President, Loan Administration. With over 20 years in Loan Administration, Guthrie joined the Company in 2013 as Loan Administration Manager responsible for all functions related to loan processing, documentation, compliance and loan servicing.

EPIC Brokers Named Fastest Growing Employee Benefits Broker by Business Insurance Magazine

SAN FRANCISCO, Calif. /California Newswire/ -- EPIC Insurance Brokers and Consultants, a retail property, casualty insurance brokerage and employee benefits consultant, has received top rankings from Business Insurance Magazine in its 2015 Broker Supplement in three categories.

EPIC Insurance Brokers Enters into Strategic Transaction with Alliant Insurance

SAN FRANCISCO, Calif. /California Newswire/ -- EPIC Insurance Brokers and Consultants has announced a mutually beneficial transaction of certain books of business to Alliant Insurance Services, including the customers of David Alvarado and a group of employees who came to

TRID Compliance: DocMagic Selected by PHH Mortgage to Further Enhance its Compliance Capabilities

TORRANCE, Calif. /California Newswire/ -- DocMagic, Inc., the premier provider of fully-compliant loan document preparation, compliance, eSign and eDelivery solutions, announced that PHH Mortgage (PHH), one of the largest providers of residential mortgages in the United States, has signed a multi-year license agreement to use its expansive set of products to help ensure compliance with the TILA-RESPA Integrated Disclosure (TRID) rule.

Secondary Marketing Expert Paul Yarbrough joins MCT Trading to Oversee Client On-Boarding and Mortgage Tech Implementations

SAN DIEGO, Calif. /California Newswire/ -- MCT Trading, Inc., a recognized industry leader in mortgage risk management providing pipeline hedging, best-execution loan sales and centralized lock desk services, announced that it hired Paul Yarbrough to manage new client on-boarding, its secondary marketing technology, and solution training.

Quandis' Military Search Service helps protect U.S. Servicemembers in multiple areas of lending

FOOTHILL RANCH, Calif. /California Newswire/ -- Quandis, Inc., a leading provider of default management technology solutions, announced that it has extended its Military Search Service to locate active duty military personnel in other facets of consumer lending for compliance adherence.

Tammy DeWitt and Tom Welch Join Bank of Southern California N.A.

SAN DIEGO, Calif. /California Newswire/ -- Bank of Southern California, N.A. (OTCQB:FBBN / OTCMKTS:FBBN) welcomes Tom Welch as Senior Vice President, SBA Department Manager and Tammy DeWitt as Vice President, SBA Loan Underwriting Manager to its seasoned team of Southern California bankers. Both Mr. Welch and Ms. Dewitt have been in the banking industry for 37 years and both have over 27 years of SBA and conventional lending and relationship management experience.

EPIC Insurance Brokers and Consultants adds Jeff Connelly to Greyling Insurance Brokers Division in St. Louis

SAN FRANCISCO, Calif. /California Newswire/ -- EPIC Insurance Brokers and Consultants, a retail property, casualty insurance brokerage and employee benefits consultant, announced today that Jeff Connelly has joined as senior vice president/client executive in EPIC's Greyling Insurance Brokers Division. He will be based in the firm's St. Louis, Mo. office.

Bank of Southern California N.A. Announces Coachella Valley Advisory Board to Help Increase Presence and Market Awareness

PALM DESERT, Calif. /California Newswire/ -- Bank of Southern California, N.A. (OTC:FBBN / OTCMKTS:FBBN) announced the creation of its Coachella Valley Advisory Board. This board is comprised of prominent members of the business community in the Desert Cities region who will help increase the bank's presence and market awareness while providing valuable input to better understand the business needs in the Coachella Valley.
ReverseVision

ReverseVision Spotlights Directors Mortgage for HECM Reverse Mortgage Origination

SAN DIEGO, Calif. /California Newswire/ -- ReverseVision, Inc. is spotlighting a HECM reverse mortgage origination by Oregon-based Directors Mortgage, a Pacific-Northwest focused full service mortgage banking firm, as it illustrates an ideal application of the product that allows qualified homeowners age 62 or older to access a portion of their home equity as a financial resource, and eliminates the need to make house payments.

EPIC Insurance Brokers Again Recognized as a 'Best Place to Work in the North Bay' for 2015

SAN FRANCISCO, Calif. /California Newswire/ -- EPIC Insurance Brokers and Consultants, a retail property, casualty insurance brokerage and employee benefits consultant, has again been named a 'Best Place to Work in the North Bay' winner by the North Bay Business Journal.
Phil Rasori

MCT Trading COO Phil Rasori named a 'Top 25 Most Connected Mortgage Professional' by NMP

SAN DIEGO, Calif. /California Newswire/ -- MCT Trading, Inc., a recognized industry leader in mortgage risk management providing pipeline hedging, best-execution loan sales and centralized lock desk services, announced that its COO, Phil Rasori, has been named to National Mortgage Professional (NMP) magazine's 2015 'Top 25 Most Connected Mortgage Professionals' list.

The Mortgage Collaborative Adds Eight New Member Companies Across the U.S. in August

SAN DIEGO, Calif. /California Newswire/ -- The Mortgage Collaborative, an independent mortgage lending cooperative, today announced the formal approval of eight new lenders to their national network of originating members, announced the Collaborative's EVP of National Sales and Strategic Alliances, Rich Swerbinsky.

CFO Risk Management Summit: EPIC's Daniel Houston to Speak on Insurance and Risk Management Issues for Cyber Privacy

SAN FRANCISCO, Calif. /California Newswire/ -- Cyber threats are one of the most significant risks businesses and individuals face today, says EPIC Insurance Brokers and Consultants. High profile breaches in the past few years have highlighted the substantial impact and significant costs associated with these attacks.

Melanie Feliciano of DocMagic Makes MReport 2015 Leading Ladies List

TORRANCE, Calif. /California Newswire/ -- Torrance-based DocMagic, Inc., the premier provider of fully-compliant loan document preparation, compliance, eSign and eDelivery solutions, announced that its chief legal officer, Melanie Feliciano, Esq., has been named to the MReport's 2015 Leading Ladies list. MReport is a leading B2B trade publication serving the broader mortgage field.

Credit Report Integration with CBCInnovis announced by ReverseVision

SAN DIEGO, Calif. /California Newswire/ -- ReverseVision, Inc. announces their newest credit report partnership with CBCInnovis, a leading provider of credit and risk management solutions headquartered in Columbus, Ohio. This integration within RV Exchange (RVX), ReverseVision's flagship reverse loan origination system (RLOS) platform, increases

Serving Mortgage Lenders, The Mortgage Collaborative Names New Board Members

SAN DIEGO, Calif. /California Newswire/ -- The Mortgage Collaborative, an independent lending cooperative serving small- to mid-sized mortgage lenders and community-based lending institutions, has implemented several changes to the Board of Directors of the Cooperative as well as the Board of Directors of the Management Company, announced the Collaborative's Chairman, John Robbins, CMB.

Gavin T. Ales named Chief Compliance Officer at DocMagic Inc.

TORRANCE, Calif. /California Newswire/ -- DocMagic, Inc., the premier provider of fully-compliant loan document preparation, compliance, eSign and eDelivery solutions, has named Gavin T. Ales as chief compliance officer (CCO).

EPIC Insurance Brokers is the only large brokerage in the country to make the 2015 Inc. 5000 List

SAN FRANCISCO, Calif. /California Newswire/ -- EPIC Insurance Brokers and Consultants, a retail property, casualty insurance brokerage and employee benefits consultant, today announced it has been ranked #3200 on Inc. Magazine's 2015 Inc. 5000 - an exclusive listing of the nation's fastest-growing private companies.

EPIC Insurance Climbs 13 Spots on the Insurance Journal 'Top 100 Independent Property Casualty Agencies' List

SAN FRANCISCO, Calif. /California Newswire/ -- EPIC Insurance Brokers and Consultants, a retail property, casualty insurance brokerage and employee benefits consultant, has been ranked #12 among the Insurance Journal's 'Top 100 Independent Property Casualty Agencies.' The ranking is based on total property and casualty agency revenue for 2014 and includes only those agencies whose business is primarily retail not wholesale.

MCT Trading Welcomes Mortgage Industry Veteran Ben Coll to its Growing Capital Markets Team

SAN DIEGO, Calif. /California Newswire/ -- MCT Trading, Inc., a recognized industry leader in mortgage risk management providing pipeline hedging, best-execution loan sales and centralized lock desk services, has announced Ben Coll joined the company's capital markets team. He becomes employee number 65 as MCT continues to expand its client base and staff of secondary marketing professionals.

EPIC Insurance Brokers Jumps 21 Spots in Business Insurance Broker Rankings to No.23

SAN FRANCISCO, Calif. /California Newswire/ -- EPIC Insurance Brokers and Consultants, a retail property, casualty insurance brokerage and employee benefits consultant, has been ranked #23 among the nation's largest insurance brokers by Business Insurance Magazine.

VeroFORECAST: Residential Market Sustains Strength Predicted by Veros' Latest 12-Month Forecast Update

SANTA ANA, Calif. /California Newswire/ -- Veros Real Estate Solutions, an award-winning industry leader in enterprise risk management, collateral valuation services and predictive analytics, reports that the residential market continues in a positive trajectory, with a greater percentage of markets expected to increase in value over the next 12 months, moving upwards to 90% from last quarter's 86%.

Mortgage Industry Veteran Edward Komski joins DocMagic to Help Drive Enterprise Software Sales

TORRANCE, Calif. /California Newswire/ -- DocMagic, Inc., the premier provider of fully-compliant loan document preparation, compliance, eSign and eDelivery solutions, is pleased to announce the hiring of Edward Komski who will assume the role of national sales manager. In this capacity, he will be responsible for introducing DocMagic's entire suite of software solutions to large, enterprise-level lending organizations.

EPIC Insurance Brokers and Consultants Grows in Birmingham and Relocates to New Offices

SAN FRANCISCO, Calif. /California Newswire/ -- EPIC Insurance Brokers and Consultants, a retail property, casualty and employee benefits insurance brokerage and consultant, announced today their move into new offices in Birmingham, Ala.; the base of operations for EPIC's National Energy Construction Practice.
ReverseVision

ReverseVision Adds Credit Report Integration to RV Exchange Reverse Mortgage LOS Platform

SAN DIEGO, Calif. /California Newswire/ -- ReverseVision, Inc.announces it has added automated credit reporting capabilities to RV Exchange (RVX), ReverseVision's flagship reverse loan origination system (RLOS) platform. Through this integration, reverse mortgage lenders are able to automatically import a borrower's credit information directly into RVX's Financial Assessment (FA) module.

EPIC Insurance Brokers welcomes Vanessa Ruiz Mitilier to California Employee Benefits Consulting Practice

SAN FRANCISCO, Calif. /California Newswire/ -- EPIC Insurance Brokers and Consultants, a retail property, casualty insurance brokerage and employee benefits consultant, announced today that Vanessa Ruiz Mitilier has joined the firm as a senior consultant and producer in the firm's Southern California Employee Benefits Consulting Practice.

MCT Trading Named a Best Place to Work in San Diego for the Fourth Year in a Row

SAN DIEGO, Calif. /California Newswire/ -- MCT Trading, Inc., a recognized industry leader in mortgage risk management providing pipeline hedging, best-execution loan sales and centralized lock desk services, announced that the San Diego Business Journal's (SDBJ) has named the company to its annual Best Places to Work list for the fourth year in a row.

EPIC Insurance Brokers Continues Adding Key Team Members, further expands National Energy Construction Practice in Alabama

SAN FRANCISCO, Calif. /California Newswire/ -- EPIC Insurance Brokers and Consultants, a retail property and casualty insurance brokerage and employee benefits consultant, announced today that claims advocate Dana Ingber and health, safety and environmental consultant Victor Lamb have both joined EPIC's Birmingham-based National Energy Construction Practice - a specialty risk management team serving large, complex construction, energy and distribution companies across the country.

EPIC Insurance Brokers Launches Private Exchange Platform with Employee Benefit Services

SAN FRANCISCO, Calif. /California Newswire/ -- EPIC Insurance Brokers and Consultants, a national retail property and casualty insurance brokerage, and employee benefits consultant, this week unveiled its next generation private exchange, coined EPIC EXP (The EPIC Exchange Platform) in partnership with Atlanta-based Hodges-Mace, LLC.

EPIC Insurance Brokers and Consultants welcomes Broker Brian Laney as principal in Sacramento

SAN FRANCISCO, Calif. /California Newswire/ -- EPIC Insurance Brokers and Consultants, a retail property, casualty insurance brokerage and employee benefits consultant, announced today that Brian Laney has joined the firm as a property and casualty insurance broker/producer and principal.

Edgewood Partners Insurance Center welcomes Sheryl McLamb to EPIC's Private Client Group in Sacramento

SAN FRANCISCO, Calif. /California Newswire/ -- Edgewood Partners Insurance Center (EPIC), a retail property, casualty and employee benefits insurance brokerage and consultant, announces that Sheryl McLamb has joined as an Account Manager in EPIC's Private Client Group. McLamb will be based in Sacramento as EPIC expands its private client services.

Reverse Mortgage Loan Origination System Support Portal launched by ReverseVision Inc

SAN DIEGO, Calif. /California Newswire/ -- ReverseVision, Inc. has announced the launch of its new RV Support Portal designed to improve the support experience for users of RV Exchange (RVX), ReverseVision's flagship reverse loan origination system (RLOS) platform.
Rosemary Hughes

EPIC Insurance Brokers Expands National Employer Services Platform with Davin Millholland and Rosemary Hughes in Georgia

SAN FRANCISCO, Calif. /California Newswire/ -- EPIC Insurance Brokers and Consultants, a retail property, casualty and employee benefits insurance brokerage and consultant, announced today the additions of Employee Benefits Consulting professionals Davin Millholland and Rosemary Hughes to its rapidly growing Employer Services Platform (ESP).

EPIC Insurance Brokers and Consultants Grows in Reno with Addition of Courtney Pino and Move into New Offices

SAN FRANCISCO, Calif. /California Newswire/ -- EPIC Insurance Brokers and Consultants (EPIC), a national retail property, casualty and employee benefits insurance brokerage and consultant, announced today the addition of Courtney Pino as a commercial insurance broker/producer as well as their move into new Reno, Nevada offices.

Edgewood Partners Insurance Center welcomes Myesha Lamison Director, Benefits Technology

SAN FRANCISCO, Calif. /California Newswire/ -- Edgewood Partners Insurance Center (EPIC), a retail property, casualty and employee benefits insurance brokerage and consultant, announces that Myesha Lamison has joined as Director, Benefits Technology as a part of EPIC's growing national Employer Services Platform (ESP) team.

Fannie Mae and The Mortgage Collaborative Partner to Support Small, Mid-Sized Mortgage Originators

SAN DIEGO, Calif. /California Newswire/ -- Today The Mortgage Collaborative (TMC), an independent lending cooperative serving small and mid-sized mortgage lenders and community-based lending institutions, and Fannie Mae agreed upon enhancements to the benefits offered to TMC members that were announced earlier in the year through a strategic partnership agreement.

EPIC Insurance Brokers expands Employee Benefits Practice with acquisition of Executive Financial, Inc.

SAN FRANCISCO, Calif. /California Newswire/ -- EPIC Insurance Brokers and Consultants, a retail property and casualty insurance brokerage and employee benefits consultant, announced today it has acquired Executive Financial, Inc., an employee benefits consulting firm specializing in executive benefits, life, and disability insurance strategies.

Veros Real Estate Solutions Delivers First Direct Connection to FHA Electronic Appraisal Delivery Portal

SANTA ANA, Calif. /California Newswire/ -- Veros Real Estate Solutions, an industry leader in enterprise risk management, collateral valuation services and predictive analytics, announced today that lenders and technology vendors interested in the option of implementing a direct connection to FHA's recently announced Electronic Appraisal Delivery portal for electronic appraisal submission can connect through Veros' proprietary product, PATHWAY.

EPIC Insurance Brokers Strengthens its Auto Dealer Programs with acquisition of Sorci Insurance Brokerage

SAN FRANCISCO, Calif. /California Newswire/ -- EPIC Insurance Brokers and Consultants, a retail property and casualty insurance brokerage and employee benefits consultant, announced today it has acquired Sorci Insurance Brokerage, Inc., a specialist in providing comprehensive Workers' Compensation Insurance services to New Car Auto Dealers in California.

DocMagic Surpasses 100 Million eSignature Transactions for the Mortgage Industry

TORRANCE, Calif. /California Newswire/ -- DocMagic, Inc., the premier provider of fully-compliant loan document preparation, compliance, eSign and eDelivery solutions, announced today that its eSign platforms have now processed more than 100 million mortgage-related eSignature transactions.

DocMagic Inc. Updates Software for New TRID Functionality for Loan Origination

TORRANCE, Calif. /California Newswire/ -- DocMagic, Inc., the premier provider of fully-compliant loan document preparation, compliance, eSign and eDelivery solutions, today announced that it has completed all required TILA-RESPA Integrated Disclosure rule software development and testing, and the new TRID enhancements have been officially released into DocMagic's production environment.

Diversification of EB-5 Investor Pool is a Positive Evolution of the EB-5 Immigrant Investor Program

COSTA MESA, Calif. /California Newswire/ -- In response to the surge in EB-5 applications from mainland China, the U.S. State Department has announced a cutoff date for immigrant investors from mainland China applying for permanent residency in the U.S. through the EB-5 visa program, according to PDC Capital Group.

DocMagic Inc. announces Collaborative Closing Platform to Meet TRID Requirements

TORRANCE, Calif. /California Newswire/ -- DocMagic, Inc., the premier provider of fully-compliant loan document preparation, compliance, eSign and eDelivery solutions, announced that it will launch a Collaborative Closing Platform for the mortgage industry. The solution is comprised of a secure, seamless and dynamic web-based portal that efficiently and expeditiously helps lenders comply with the TILA-RESPA Integrated Disclosure (TRID) rule that becomes effective on August 1.

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