---
title: "TRID: Construction Loan Disclosures"
description: Disclosing construction loans under TRID, when the advances are going to be made? Appendix D requires lenders to decide how they want to disclose
---

[Banker's Compliance Consulting Blog ](https://blog.bankerscompliance.com/en)

# [TRID: Construction Loan Disclosures](https://blog.bankerscompliance.com/en/trid-construction-loan-disclosures)

 Written by [Jerod Moyer](https://blog.bankerscompliance.com/en/author/jerod-moyer) | Jul 17, 2023 12:56:56 PM

If you work with loans subject to TRID, you know that getting the disclosures right can be complicated. If you deal with [construction loans](https://s3.amazonaws.com/files.consumerfinance.gov/f/documents/cfpb_trid-combined-construction-loan-guide.pdf), it can get a lot more complicated. Many construction loans are set up as multiple-advance, closed-end loans, and that bring Appendix D of Regulation Z to the table.

Jerod explains more in the video.

Video Highlights:

- Disclosing construction loans under [TRID](https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/tila-respa-integrated-disclosures/) can be quite complex and confusing.
- One issue when disclosing construction loans is not knowing when the advances are going to be made.
- Appendix D requires lenders to decide how they want to disclose by either assuming half the commitment is outstanding for the entire term of the loan or having interest accrue on 100% of loan proceeds over the term.

Published  
2023/07/17

[View full post](https://blog.bankerscompliance.com/en/trid-construction-loan-disclosures)

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