On October 29, Fannie Mae and Freddie Mac jointly published a Uniform Loan Delivery Dataset (ULDD) Phase 3 preview, which is intended to provide lenders and vendors with an early look at the next phase’s specification to help them prepare for implementation in the fourth quarter of 2015. The joint preview identifies 15 new data points—13 related to the CFPB’s new ability-to-repay rule and two other data points that were deferred from Phase 2. In addition, the joint publication provides additional implementation notes and guidance on the 17 new data points that will be implemented in ULDD Phase 2 in 2015 (the exact implementation date  will be announced by the end of the first quarter of 2014).