The Consumer Financial Protection Bureau (CFPB) has provided numerous online resources for information on the upcoming TILA / RESPA Integrated Disclosure Rule (TRID) changes.US Capitol-Building-TILA-RESPA-TRID

For a great deal of CFRB Information as it relates to TRID visit:

TILA-RESPA Integrated Disclosure rule implementation – Numerous Guides, Forms & Sample Forms

To narrow your search, review:

Loan Estimate – Sample Fixed Rate Loan:

Closing Disclosure – Fixed Rate Sample Loan:

If you are looking to purchase a home in the near future one of the most Frequently Asked Questions is:

Will the New Mortgage Disclosures Delay My Closing?

The date for Implementation of the CFPB is October 3, 2015



CFPB-TRID-ComplianceWe at Property Debt Research have been following the new Consumer Financial Protection Bureau (CFPB) regulations closely, especially in regards to the Third Party Vendor Compliance. The CFPB and in turn banks and lenders will be relying on title service providers to ensure that they properly vet all third party vendors, including Municipal Lien Search companies like Property Debt Research.

Our goal as the premier Municipal Lien Search and HOA Estoppel research provider is to guarantee that our clients have complete confidence in our internal policies and to assure them that we will comply with their requests as they continue to build and update their Vendor Management Policy and Best Practices Manual.

Third Party Vendor Compliance

As a third party vendor in the real estate industry we currently comply and will continue to comply with all state and federal consumer finance laws that are applicable to our business, including state and federal consumer protection statutes and data privacy and protection mandates.  We feel very strongly about consumer protection and privacy, and our employees will continue to receive additional training and education regarding these matters.

Enhanced E&O Insurance Policy

Property Debt Research is one of the few MLS companies that have taken the extra steps to have an E&O policy that covers unrecorded liens as well as the standard recorded liens.

The majority of policies in our type of business exclude unrecorded liens. However, unrecorded liens are our business and as the leader in MLS searches we have enhanced our policy to include unrecorded liens which further protects you and your clients.

If you have any questions as we near the October 3, 2015 start date of the CFPB regulations please contact us at: 877-543-6669 ext. 219.

Property Debt Research is pleased to announce their integration with Adeptive’s ResWare title software.

The Property Debt Research integration with ResWare will allow ResWare users to place orders and receive reports for Municipal Lien Searches and HOA estoppel research directly from the ResWare envionment.

“Requesting Property Debt Research’s municipal lien searches and HOA estoppel research through a seamless integration with the ResWare platform provides additional convenience and service to our clients and the ResWare user group.    Our partnership with ResWare will enable our mutual clients to benefit from the superior efficiencies of simplified order entry and report delivery,” said Bruce Russell, CEO of Property Debt Research.

Learn more: Property Debt Research and ResWare



US House Representatives and industry professionals ask for Implementation Delay and “Hold-harmless” period through the end of 2015 for implementing the new Consumer Financial Protection Bureau’s TILA-RESPA Integrated Disclosures (TRID) rule.


CFPB TRID Implementation Date Official: October 3, 2015 >>Click to learn more

CFPB’s Proposed TRID Implementation Delay Receives Strong Industry Support.
Read more: CFPB Proposed Delay

and here: ALTA Statement on Proposed TRID Delay

CFPB says they will be “sensitive” to industry good-faith efforts.  Many feel uneasy about vague language.  Read more:  Consumer Finance Update

Find out more at:
ALTA: TILA-RESPA Integrated Disclosures (TRID)

CFPB says they will be “sensitive” to industry good-faith efforts.  Many feel uneasy about vague language.

Property Debt Research headquartersProperty Debt Research, The Municipal Lien Search Company and HOA Estoppel research specialists, announced today that it has relocated its corporate headquarters to:

6801 Palisades Park Court, Suite 2
Fort Myers, FL 33912

View Press Release here: Property Debt Research Expansion & Relocation

Due to significant growth the company moved to a much larger and more efficient office space.

All phone numbers and email addresses remain the same:

Phone:  239-274-1272 | 877-543-6669


CFPB - Consumers contractThe Consumer Financial Protection Bureau (CFPB) fine rule becomes effective August 1, 2015. Stay up to date on all the changes required in the real estate closing process.

Learn more at the American Land Title Association website: American Land Title Association – CFPB

PDR Halloween Costumes for 2014

PDR Halloween 2014

Halloween’s that land on Friday are the best!

NABOR Golf TournamentProperty Debt Research is proud to be one of the sponsors of the NABOR Golf Tournament on October 23, 2014 in Naples. All proceeds from the event benefit the local charity Friends of Foster Children.

Municipal lien order time UPDATE: Property Debt Research now offers two options for
Lot Clearing and Minimum Housing Code issues for the Miami-Dade County Department of Economic Resources Letter. This item is now an Optional letter we provide upon request.

Department of Regulatory & Economic Resources Letter:

$50 for an Informal format (15 business day turnaround)


Certified Formal Letter for a $20 search fee plus $250 in hard costs from the county (20 business day turnaround)

By giving our clients more choices our goal is to give you more control over the turnaround times
for your municipal lien search requests.

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