Real Estate · 5 min read
The Closing Disclosure Three-Day Rule, Explained
TRID requires the borrower to receive the Closing Disclosure at least three business days before closing. Here's what that means at the signing table.
Under TRID (the TILA-RESPA Integrated Disclosure rule), the lender must deliver the Closing Disclosure to the borrower at least three business days before consummation. The clock starts when the borrower receives the CD — by mail, e-sign, or in-person delivery.
Material changes to APR, loan product, or prepayment penalty restart the three-day clock. Most other changes (cash to close, fee corrections, dates) do not.
Signing agents should confirm the CD was issued at least three business days prior. If a borrower says they received it less than three days ago, pause the signing and contact the title or closing officer before proceeding.