Closing Disclosure
Three - Day Closing Disclosure Rule
Closing Date
Monday
Tuesday
Wednesday
Thursday
Friday
Saturday
Sunday
Business Day Count – Backward count using consummation date
#1 - Monday #1 - Tuesday #1 - Wednesday #1 - Thursday #1 - Friday #1 - Saturday #1 - Saturday
#2 - Saturday #2 - Monday #2 - Tuesday #2 - Wednesday #2 - Thursday #2 - Friday #2 - Friday
#3 - Friday #3 - Saturday #3 - Monday #3 - Tuesday #3 - Wednesday #3 - Thursday #3 - Thursday
 
Disclosures Receipt
  • Hand Deliver
  • Deliver by courier with signed receipt
  • e-Deliver
  • By mail receipt date
Preceding Thursday
Preceding Friday
Preceding Saturday
Preceding Monday
Preceding Tuesday
Preceding Wednesday
Preceding Wednesday
Mail Disclosures
  • Presumed 3 day to receipt - Do not count mail
Preceding Monday
Preceding Tuesday
Preceding Wednesday
Preceding Thursday
Preceding Friday
Preceding Saturday
Preceding Saturday
Note:
  • Do not count the day of delivery. The closing date (aka loan signing/consummation date) may occur on the 3rd business day.
  • If a federal holiday or Sunday falls in the three day period, add a day for disclosure delivery.
  • Consummation may occur on a Sunday or a Federal Holiday provided the 3-day count is satisfied the day before.