As all of you are painfully aware, the Consumer Financial Protection Bureau (CFPB) has proposed sweeping changes to way mortgages are disclosed. In essence, they've proposed the use of two new disclousres, the Loan Estimate and the Closing Disclosure, that combine features of the previous disclosures into one. For our users to more easily comply with these new rules, the ZMath® Engine, eZMath® and ZMath® will all be updated once the rules are finalized. If you haven't begun to look at the proposed rules, we suggest that you do so that you're ready for the changes once we release them. If you have questions, ideas or feedback, please contact us. Also, watch this blog for further updates as we get further into the process. Nothing is so constant as change.