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Closing Disclosure Timing Reference

TRID Closing Disclosure Timing Compliance in Minutes

6 minutes with CaseMark

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6 minutes with CaseMark

What you'll need

  • Closing Disclosure
  • Transaction Timeline

SOC 2 Type II · HIPAA compliant · $5 free credit

Workflow

Overview

CaseMark's Closing Disclosure Timing Reference automates the complex TRID timing calculations required under 12 CFR § 1026.19(f). It determines CD delivery deadlines, applies deemed-receipt rules across delivery methods, identifies re-disclosure triggers, and guides waiver procedures—turning hours of manual regulatory analysis into a streamlined, reliable compliance workflow.

Calculating TRID Closing Disclosure delivery deadlines requires navigating dual business-day definitions, deemed-receipt rules that vary by delivery method, re-disclosure triggers, and federal holiday schedules. Manual calculations are error-prone and time-consuming, and mistakes can result in regulatory violations, closing delays, or costly rescission risks.

CaseMark automates the entire TRID timing analysis by applying the correct business-day definitions, deemed-receipt rules, and re-disclosure triggers to your specific transaction details. The AI-powered workflow delivers accurate deadline calculations with full regulatory citations, enabling mortgage professionals to close with confidence and maintain airtight compliance records.

How it works

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

  2. 2. AI applies TRID timing rules under 12 CFR § 1026.19(f) to your scenario

  3. 3. Review calculated deadlines, re-disclosure requirements, and waiver options

  4. 4. Export your compliance analysis in your preferred format (DOCX, PDF)

What you get

  • CD Delivery Deadline Calculation

  • Business Day Analysis

  • Deemed Receipt Determination

  • Re-Disclosure Trigger Assessment

  • Waiver Procedure Guidance

  • Post-Consummation Compliance Summary

What it handles

  • Automated CD delivery deadline calculation with business day counting

  • Dual business-day definition application (General vs. Specific)

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

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

  • Emergency waiver procedure guidance with documentation requirements

  • Post-consummation deadline tracking and compliance verification

Required documents

  • Closing Disclosure

    The Closing Disclosure form with loan terms, APR, and settlement details

    .pdf, .docx

  • Transaction Timeline

    Key dates including scheduled closing date, CD preparation date, and delivery method details

    .pdf, .docx, .txt

Supporting documents

  • Loan Estimate

    Original Loan Estimate for comparison when evaluating changed circumstances

    .pdf, .docx

  • Change of Circumstance Documentation

    Documentation of any post-CD changes to APR, loan product, or prepayment penalty terms

    .pdf, .docx

Why teams use it

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

Instantly determine whether loan term changes trigger mandatory re-disclosure and new waiting periods

Maintain auditable compliance documentation with clear regulatory citations for every calculation

Reduce closing delays by proactively identifying the earliest permitted closing date for any delivery scenario

Questions

What TRID timing rules does this skill cover?

CaseMark's Closing Disclosure Timing Reference covers the three-business-day receipt rule, dual business-day definitions, delivery deemed-receipt rules, re-disclosure triggers, waiver procedures, and post-consummation deadlines under 12 CFR § 1026.19(f). It provides a comprehensive compliance framework for CD delivery timing.

How does CaseMark handle different delivery methods?

CaseMark automatically applies the correct deemed-receipt rules based on your delivery method—hand delivery, mail, or electronic. For hand delivery, the three-business-day waiting period applies from actual receipt; for mail or electronic delivery, CaseMark adds the additional three-day deemed-receipt buffer for a total six-business-day lead time.

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

Yes. CaseMark evaluates whether post-CD changes to the APR, loan product, or prepayment penalty terms trigger a mandatory re-disclosure and new three-business-day waiting period under TRID rules, helping you avoid compliance violations that could delay closing.

Does CaseMark account for federal holidays and weekends in its calculations?

Absolutely. CaseMark applies the General business-day definition required for the CD three-day waiting period, automatically excluding Sundays and all ten federal public holidays, including observed dates when holidays fall on weekends.

How does the emergency waiver procedure work?

CaseMark provides guidance on the bona fide personal financial emergency waiver under TRID, including the specific documentation requirements and borrower certification language needed to waive the three-business-day waiting period when a legitimate emergency exists.

Is this tool suitable for compliance audits?

Yes. CaseMark generates detailed, documented timing analyses that can serve as compliance records during audits. The output clearly maps each calculation step to the applicable regulatory provision under 12 CFR § 1026.19(f), providing an auditable trail of your compliance determinations.

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