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Music hello I'm Kent Repetto with any arts government affairs division and I'm here to tell you about some big changes that will be coming in August both to the settlement forms and the loan disclosures and the settlement process in general as many of you might know August 1st we'll be seeing changes to the Good Faith Estimate and the HUD one both will be going away and we'll be implementing a new loan estimate and a new closing disclosure in their place this is being done under the dodd-frank Wall Street Reform Act and the idea is to improve the settlement process for consumers so let me talk a little bit about the rule itself as I said we're changing the forms goodbye to the Good Faith Estimate goodbye to the HUD one goodbye to the Truth in Lending disclosure the changes to the closing process are the thing that is going to be of most concern I think to any ARS members and that's because the closing disclosure has to be given to the consumer three days before closing and while things

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