I 115th CONGRESS 1st Session H. R. 3978 IN THE HOUSE OF REPRESENTATIVES October 5, 2017 Mr. Hill (for himself and Mr. Kihuen ) introduced the following bill; which was referred to the Committee on Financial Services A BILL To amend the Real Estate Settlement Procedures Act of 1974 to modify requirements related to mortgage disclosures, and for other purposes.

1. Short title This Act may be cited as the TRID Improvement Act of 2017 . 2. Amendments to mortgage disclosure requirements Section 4(a) of the Real Estate Settlement Procedures Act of 1974 ( 12 U.S.C. 2603(a) ) is amended— (1) by striking itemize all charges and inserting itemize all actual charges ; (2) by striking and all charges imposed upon the seller in connection with the settlement and and inserting and the seller in connection with the settlement. Such forms ; and (3) by inserting after or both. the following new sentence: Charges for any title insurance premium disclosed on such forms shall be equal to the amount charged for each individual title insurance policy, subject to any discounts as required by State regulation or the title company rate filings. .