Two master regulatory loci, a and b, govern life-cycle transitions of the phytopathogenic fungus Ustilago maydis. Fusion of haploids that differ at both a and b results in production of a filamentous dikaryon, which induces tumors in its host, maize. Here I describe identification of genes distinct from a and b that play roles in these life-cycle transitions. These studies identify three genes, fuz1, fuz2, and rtf1, that are necessary for filament formation. fuz1 is also necessary for normal size and distribution of tumors and for teliospore formation; fuz2 is also necessary for teliospore germination. Mutations in the rtf1 gene, which are recessive, bypass the requirement of different b alleles for tumor formation. This observation indicates that rtf1 codes for a negative regulator of tumor induction. The fuz1, fuz2, and rtf1 genes may be targets for the a and b loci.