The days of getting a mountain of paperwork at settlement are about to change on August 1st, as lenders will be required to provide buyers three days to review their mortgage paperwork and ask questions.  As part of the Dodd-Frank Act, the Consumer Protection Financial Bureau (CFPB)  imposed these changes to address the problems that surfaced during the financial collapse.  However, these changes are expected to create many challenges for lenders (...and consumers), such as delayed settlements.  As with all regulatory changes, it's safe to expect a few hiccups as the new requirements are implemented, so let's just hope for as smooth a transition as possible.