For most Americans, buying a home means taking out a mortgage loan. The Dodd-Frank Act requires us to combine the Truth in Lending Act and Real Estate Settlement Procedures Act disclosures. You receive these disclosures shortly after you apply for a mortgage and shortly before you close on the mortgage. We decided to involve the people who will actually use the new forms—consumers, lenders, mortgage brokers, settlement agents—in helping to combine and improve them. Go to: http://www.consumerfinance.gov/knowbeforeyouowe/ for more info.