3 Day Closing Disclosure Rule

The new TRID rules require that the Closing Disclosure MUST be provided to the consumer 3 business days prior to closing

Download your 3 Day Closing Disclosure Timeline

3 Day Closing Disclosure

Important Notes

“Business Days” are defined as all calendar days except Sundays and legal public holidays.

  • 3 Day period is measured by days, NOT hours
    • Disclosures must be delivered three days before closing, not 72-hours prior to closing
  • If a federal holiday falls in the 3 days period, add a day for delivery
  • Public holidays include:
    • New Year’s Day (First of January)
    • Martin Luther King, JR. Day (Third Monday of January)
    • George Washington’s Birthday (Third Monday of February)
    • Memorial Day (Last Monday in May)
    • Independence Day (Fourth of July)
    • Labor Day (First Monday in September)
    • Columbus Day (Second Monday in October)
    • Veterans Day (Eleventh of November)
    • Thanksgiving Day (Fourth Thursday in November)
    • Christmas Day (Twenty-Fifth of December)
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