TRID Timeline Cheat Sheet: Loan Estimate and Closing Disclosure Dates
TRID, the TILA-RESPA Integrated Disclosure rule in Regulation Z, sets every disclosure deadline on most closed-end consumer mortgages. The test checks these dates more than almost anything else. All rules below are from 12 CFR 1026.19 and 1026.2(a)(6), as at 11 Oct 2026.
Two kinds of business day
| Definition | What counts | Used for |
|---|---|---|
| General | Days the creditor is open for substantially all business functions | Initial Loan Estimate; revised Loan Estimate after a changed circumstance or rate lock |
| Specific | Every day except Sundays and federal legal public holidays | 7-day Loan Estimate wait, 3-day Closing Disclosure wait, mailbox rule, 4-day revised LE cut-off, rescission |
The deadlines
| Event | Deadline |
|---|---|
| Application (six items received) | Clock starts |
| Loan Estimate | Delivered or mailed within 3 business days (general) |
| Consummation after LE | At least 7 business days after the LE is delivered or mailed (specific) |
| Revised LE | Within 3 business days of the changed circumstance (general) |
| Last revised LE | Received at least 4 business days before consummation (specific) |
| Closing Disclosure | Received at least 3 business days before consummation (specific) |
| Mailed disclosure | Presumed received 3 business days after mailing (specific) |
| Tolerance cure | Refund within 60 days after consummation |
Worked dates (2026)
Closing Disclosure
CD received in person Monday, June 8: Tue (1), Wed (2), Thu (3). Earliest consummation Thursday, June 11.
CD received Thursday, September 17: Fri (1), Sat (2), skip Sunday, Mon (3). Earliest consummation Monday, September 21.
CD mailed Monday, October 19: presumed received Thursday, October 22; then Fri (1), Sat (2), Mon (3). Earliest consummation Monday, October 26.
CD received Friday, May 22, with Memorial Day on Monday, May 25: Sat (1), skip Sunday and the holiday, Tue (2), Wed (3). Earliest consummation Wednesday, May 27.
What restarts the 3-day wait
Only three changes after the Closing Disclosure require a new 3-business-day wait: the APR becomes inaccurate (more than 1/8 point on a regular transaction), the loan product changes, or a prepayment penalty is added (12 CFR 1026.19(f)(2)(ii)). Any other change needs a corrected Closing Disclosure at or before consummation.
Tolerance buckets
| Bucket | Examples |
|---|---|
| Zero | Creditor, broker and affiliate fees; services the borrower could not shop for; transfer taxes; lender credit decreases |
| 10% aggregate | Recording fees; shoppable services from the creditor's written list |
| No limit | Prepaid interest; homeowners insurance; escrow deposits; services shopped off the list |
Practice these with our TRID questions and the TRID study note.
Frequently asked questions
How many days before closing must the Closing Disclosure be received?
At least 3 business days, counting every day except Sundays and federal holidays (12 CFR 1026.19(f)(1)(ii)).
When is the Loan Estimate due?
Within 3 business days of receiving the application, counting days the creditor is open (12 CFR 1026.19(e)(1)(iii)).
What changes require a new 3-day waiting period?
An inaccurate APR, a loan product change, or an added prepayment penalty (12 CFR 1026.19(f)(2)(ii)).
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