CFPB Updates Home Loan Toolkit

The CFPB has posted an updated version of Your home loan toolkit, dated July 2026, on its website. The Home Loan Toolkit, otherwise known as the Special Information Booklet, is required to be provided within three business days of receipt of a closed-end, consumer-purpose application that is for the purchase (or construction) of a 1-4 family residential property and will be secured by a first lien.

Per the CFPB’s website, institutions ...can begin using the revised toolkit immediately...or ...use an earlier version until ...existing supplies are exhausted...However, if reprinting, the CFPB directs institutions to use this most recent version. Print-ready files are available here.

Although we haven’t seen anything yet, we would anticipate a notice related to the updated booklet will be published in the Federal Register.

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Published 2026/09/28
Amy Kudlacek

Amy Kudlacek

Amy brings many years of banking and compliance experience to Banker’s Compliance Consulting. She has worked for both large and small financial institutions and spent time working in every area of a bank. She started out as a teller in college and eventually became a branch manager. Her love, however, was always compliance. Amy began her career with Banker’s Compliance Consulting in 2000. Her knowledge and experiences have allowed her to develop a well-rounded and practical approach to regulatory compliance. Amy is CRCM certified, has a Bachelors Degree in Business Administration and is a graduate of the ABA Compliance School. Amy & her husband have two children at home and stay busy following their activities. They spend a lot of time in the bleachers!

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