New TRID 3 Day Disclosure Calendar

Effective October 3, 2015

"3 Day" Closing Disclosure Rule

The TILA-RESPA Integrated Disclosures (“TRID”) become effective on October 3, 2015. The Lender must provide the Closing Disclosure (“CD”) to the Borrower at least three (3) business days before closing.

FEDERAL HOLIDAYS
Federal holidays are disregarded as business days. If any of the three (3) days falls on a Federal holiday, an additional delivery day must be added.
ACCEPTABLE DELIVERY METHODS
  • In person delivery
  • Courier with signature
  • US Postal Service under the “Mailbox Rule”
  • Electronic delivery with e-signature
MAILBOX RULE
Lenders may provide the CD through US Postal Mail but under this delivery method the CD must be mailed at least six (6) business days prior to closing.

DELIVERY BY
U.S. POST
(MAILBOX RULE)

DAY OF CLOSING

DELIVERY BY
COURIER
E-SIGN

PRECEDING
MONDAY

MONDAY

PRECEDING
THURSDAY

PRECEDING
TUESDAY

TUESDAY

PRECEDING
FRIDAY

PRECEDING
WEDNESDAY

WEDNESDAY

PRECEDING
SATURDAY

PRECEDING
THURSDAY

THURSDAY

PRECEDING
MONDAY

PRECEDING
FRIDAY

FRIDAY

PRECEDING
TUESDAY

PRECEDING
SATURDAY

SATURDAY

PRECEDING
WEDNESDAY