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Real Estate

Perini-Hegarty & Associates, P.C.


Tel: 617.217.2832 Fax: 914.931.2024

Client Focus. Global

Trade & Customs Law Firm of the Year in MA (ILO)

International/Cross Border Law Firm of the Year in MA (Acq5 Law Awards)

Best of Boston (U.S. Commerce Association)  

International/Cross Border Law Firm of the Year in MA

Trade & Customs Law Firm of the Year in MA (Corp Intl Magazine)

Perini-Hegarty & Associates, P.C. provides effective legal counsel to individuals, estates, and companies with a wide-variety of real estate transactions including, but not limited to conversion of multi-family homes into condominiums, residential and commercial leasing, buying or selling real estate; and §1031 Exchanges.    

We are fully knowledgeable and compliant with the new CFPB TRID regulations and partner with key lenders to provide closing services. 


We have compiled information and links for the "Know Before You Owe" TILA-RESPA Integrated Disclosure (“TRID”) rule issues, providing easy access to the CFPB’s amendments to that rule, transcripts of CFPB webinars providing guidance on the rule, and other CFPB publications that will facilitate implementation of the rule on this page. 

Please contact Stephanie Perini-Hegarty at or Emily Perini at with any questions. 



CFPB Publications

CFPB Readiness Guide

CFPB Compliance Guide

CFPB Forms Guide

CFPB Closing FactSheet

CFPB: Example Timeline

CFPB Sample Forms

Annotated Loan Estimate Forms

Annotated Closing Disclosure Forms

Other Comments & Guidance

The Consumer Financial Protection Bureau (“CFPB”) implemented the new TILA-RESPA Integrated Disclosure (“TRID”) rule effective October 3, 2015.   

The Final Rule and related regulations are set forth below for ease of reference.

TRID Final Rule & Amendments

Entire Rule  
o    Preamble

o    Regulatory Text

o   Official Interpretations

Federal Register Publication (78 Fed. Reg. 79730)

Regulation Z as amended and published on CFPB eRegulation web site

January 20th Amendments to Final Rule - Federal Register Publication (80 Fed. Reg. 8767)

Guide for Real Estate Professionals

Provides a suite of web-based materials designed specifically for real estate professionals to understand TRID



Consumer Summary of Final Rule

Detailed Summary of Final Rule

Executive Summary of Final Rule

CFPB Exam Procedures

RESPA Procedures – Updated to Include TRID

TILA Procedures– Updated to Include TRID

CFPB Letter re: Know Before you Owe TRID Compliance (October 2, 2015) This describes the TRID Rule compliance during initial examinations.

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