The Consumer Financial Protection Bureau (CFPB) has released a toolkit, "Your Home Loan Banking Toolkit" to replace the Special Information Booklet prepared by HUD to assist borrowers in understanding the nature and cost of real estate settlement. The toolkit is designed to be used in connection with the new Loan Estimate and Closing Disclosure forms that will be effective on August 1, 2015. Creditors must provide the toolkit to mortgage applicants as a part of the application process. Read more in The Gold Book here.