| name | closing-disclosure-timing-reference |
| title | Closing Disclosure Timing Reference |
| description | Provides TRID Closing Disclosure timing compliance rules under 12 CFR § 1026.19(f). Covers the three-business-day receipt rule, dual business-day definitions, delivery deemed-receipt rules, re-disclosure triggers, waiver procedures, and post-consummation deadlines. Use when calculating CD delivery deadlines, determining earliest permitted closing dates, evaluating whether a change triggers a new waiting period, or advising on emergency waiver procedures. |
| author | CaseMark |
| author_url | https://github.com/CaseMark/skills/tree/main/skills/legal/closing-disclosure-timing-reference |
| license | Apache-2.0 |
| version | 0.1.0 |
| execution_mode | open |
| jurisdiction | us |
| practice | finance |
| language | en |
Closing Disclosure Timing Reference
TRID timing rules for CD delivery deadlines, re-disclosure triggers, and waiver procedures under 12 CFR § 1026.19(f).
Prerequisites
- Scheduled closing (consummation) date
- Delivery method (hand, mail, electronic)
- Any post-CD changes to APR, loan product, or prepayment penalty
Quick Start — Deadline Calculation
Count back from closing date, excluding closing day itself. Skip Sundays and federal holidays.
Closing: Wednesday Mar 19
Day 1 ← Tue Mar 18
Day 2 ← Mon Mar 17
Day 3 ← Fri Mar 14 (skip Sun)
Latest receipt: Fri Mar 14
If mailing: mail by Tue Mar 11 (add 3 more business days back)
With holiday:
Closing: Tuesday Jan 21 (MLK Day = Mon Jan 20 — excluded)
Day 1 ← Fri Jan 17
Day 2 ← Thu Jan 16
Day 3 ← Wed Jan 15
Latest receipt: Wed Jan 15
| Delivery Method | Lead Time Before Closing |
|---|
| Hand delivery | 3 business days |
| Mail or electronic | 6 business days |
Core Rules
Three-Business-Day Receipt Rule — § 1026.19(f)(1)(ii)
- Borrower must receive CD at least 3 business days before consummation
- "Consummation" = date borrower becomes contractually obligated
- All borrowers on the loan must receive the CD
- Creditor bears compliance responsibility
Business Day Definitions — § 1026.2(a)(6)
| Definition | Used For | Excludes |
|---|
| General | CD 3-day waiting period | Sundays + federal public holidays |
| Specific | 7-day LE waiting period | Days creditor's offices are closed |
The CD 3-day rule uses the General definition.
Federal holidays: New Year's Day, MLK Jr. Day (3rd Mon Jan), Presidents Day (3rd Mon Feb), Memorial Day (last Mon May), Independence Day, Labor Day (1st Mon Sep), Columbus Day (2nd Mon Oct), Veterans Day, Thanksgiving (4th Thu Nov), Christmas Day.
Saturday holiday → observed Friday. Sunday holiday → observed Monday.
Delivery & Deemed Receipt — § 1026.19(f)(1)(iii)
