The TRID requirements are all about getting information about loan costs in applicants’ hands quickly so they can shop around for the best deal. To facilitate this, TRID is very clear that lenders are prohibited from charging any fee other than a fee to obtain a credit report before the applicant has received a Loan Estimate and indicated an intent to proceed. Lenders are also prohibited from requiring verification documents, like tax returns, purchase agreements, etc. before providing a Loan Estimate.
Jerod explains more in the video.