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Closing Disclosure Timing Reference

Master TRID Closing Disclosure Timing in Minutes

6 minutes with CaseMark

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Closing Disclosure Timing Reference

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Workflow

Closing Disclosure Timing Reference

Overview

CaseMark's Closing Disclosure Timing Reference automates the complex deadline calculations and compliance analysis required under TRID's Closing Disclosure delivery rules. It applies the three-business-day receipt rule, deemed-receipt presumptions, re-disclosure triggers, and waiver procedures from 12 CFR § 1026.19(f) to your specific transaction details. The result is a clear, reliable compliance timeline that eliminates manual counting errors and reduces regulatory risk.

Calculating Closing Disclosure delivery deadlines manually is error-prone and time-consuming. Compliance teams must juggle dual business-day definitions, federal holiday schedules, delivery-method presumptions, and re-disclosure triggers—any miscalculation can delay a closing or expose the lender to regulatory penalties.

CaseMark automates the entire TRID timing analysis by applying the full rule set of 12 CFR § 1026.19(f) to your transaction details. It instantly generates accurate delivery deadlines, flags re-disclosure triggers, and provides waiver procedure guidance—giving compliance professionals a reliable, auditable reference in minutes instead of hours.

How it works

  1. 1. Enter your closing date, delivery method, and any loan changes

  2. 2. AI applies TRID timing rules and calculates all relevant deadlines

  3. 3. Review the compliance timeline with re-disclosure triggers and waiver options

  4. 4. Export your timing reference in your preferred format (DOCX, PDF)

What you get

  • CD Delivery Deadline Calculation

  • Business Day Analysis

  • Re-Disclosure Trigger Assessment

  • Waiver Procedure Guidance

  • Deemed Receipt Timeline

  • Post-Consummation Deadline Summary

What it handles

  • Automated CD delivery deadline calculations based on closing date and delivery method

  • Dual business-day definition application for accurate day counting

  • Re-disclosure trigger analysis for APR, loan product, and prepayment penalty changes

  • Emergency waiver procedure guidance with documentation requirements

  • Deemed-receipt rule application across hand, mail, and electronic delivery

  • Post-consummation correction deadline tracking

Required documents

  • Transaction Details

    Closing date, delivery method, and any post-CD loan changes such as APR adjustments, loan product changes, or prepayment penalty modifications

    .pdf, .docx, .txt

Supporting documents

  • Closing Disclosure Draft

    Draft or issued Closing Disclosure for cross-referencing loan terms and change analysis

    .pdf, .docx

  • Loan Estimate

    Original Loan Estimate for comparison against Closing Disclosure terms and tolerance thresholds

    .pdf, .docx

Why teams use it

Eliminate manual business-day counting errors that can delay closings or create compliance violations

Instantly determine whether loan changes trigger a new three-business-day waiting period

Confidently apply the correct business-day definition and federal holiday schedule to every transaction

Reduce compliance review time and free up staff to focus on higher-value advisory work

Questions

What TRID timing rules does this skill cover?

CaseMark's Closing Disclosure Timing Reference covers the full scope of 12 CFR § 1026.19(f), including the three-business-day receipt rule, dual business-day definitions, delivery deemed-receipt rules, re-disclosure triggers, waiver procedures, and post-consummation correction deadlines.

How does CaseMark handle different delivery methods?

CaseMark automatically adjusts deadline calculations based on your delivery method. Hand delivery requires 3 business days before closing, while mail and electronic delivery require 6 business days to account for the deemed-receipt presumption under the regulation.

Can this tool determine if a loan change triggers a new waiting period?

Yes. CaseMark analyzes changes to the APR, loan product, or prepayment penalty terms against the regulatory thresholds to determine whether a corrected Closing Disclosure and new three-business-day waiting period are required.

Does CaseMark account for federal holidays in its calculations?

Absolutely. CaseMark incorporates all federal public holidays and applies the correct Saturday/Sunday observance rules when calculating business days under the general business-day definition used for the CD waiting period.

Can this skill help with emergency closing waiver procedures?

Yes. CaseMark provides guidance on the bona fide personal financial emergency waiver under § 1026.19(f)(1)(iv), including the required written statement elements, timing considerations, and documentation best practices.

Is this a substitute for legal advice on TRID compliance?

CaseMark provides a powerful reference tool that automates complex timing calculations and surfaces applicable rules, but it is designed to support—not replace—the professional judgment of compliance officers and attorneys.

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