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TRID Timeline Calculator
TRID (the TILA-RESPA Integrated Disclosure rule) governs when the Loan Estimate and Closing Disclosure must reach the borrower. Enter your dates to see the LE deadline (3 business days after application), the CD 3-business-day waiting period, the 7-day waiting period, and — on a refinance — the 3-day right of rescission. Note that TRID uses two different "business day" definitions; the FAQ below explains which applies where.
TRID / Reg Z Timeline Calculator
Enter the application and target closing dates — get every key TILA/TRID disclosure deadline as a concrete date.
Loan Estimate due
≤ 3 general business days after application — §1026.19(e)(1)(iii)
Thu, Mar 5, 2026
7-business-day waiting period — earliest consummation
LE delivery + 7 precise business days — §1026.19(a)(1)(ii)
Fri, Mar 13, 2026
Closing Disclosure received by
≥ 3 precise business days before consummation — §1026.19(f)(1)(ii)
Tue, Mar 17, 2026
Assumes hand/electronic delivery (same-day receipt). If a disclosure is mailed, add the 3-day mailbox presumption of receipt before its clock starts. See the FAQ below for the general vs. precise "business day" definitions.
For exam practice and estimation only — not a substitute for engineered design, manufacturer data, current codes, or a licensed professional's judgment. Verify all values before relying on them.
Worked Example
A completed application is received on Monday; the borrower will close a purchase loan.
- • Loan Estimate: due within 3 business days of application — using the general definition, that's by Thursday.
- • 7-day waiting period: consummation can't occur until at least 7 business days after the LE is delivered/mailed.
- • Closing Disclosure: the borrower must have it in hand at least 3 business days before closing (precise/specific definition — Saturdays count, Sundays and federal holidays don't).
- • Rescission: none — this is a purchase. On a refinance of a primary residence, add a 3-business-day right of rescission after consummation.
Exam takeaway: the LE uses the general business-day count; the CD, 7-day, and rescission windows use the precise/specific count.
TRID Timelines — Frequently Asked Questions
When must the Loan Estimate (LE) be delivered under TRID?
The lender must deliver or place in the mail the Loan Estimate within 3 business days of receiving a completed application. An application is considered received once the lender has the six required pieces of information: the borrower's name, income, Social Security number, the property address, an estimate of the property value, and the loan amount sought. Before the borrower receives the LE, the lender may not charge any fee other than a bona fide credit-report fee.
How far in advance must the Closing Disclosure (CD) be given?
The borrower must receive the Closing Disclosure at least 3 business days before consummation (closing). If the CD is mailed, the mailbox rule applies — it is presumed received 3 business days after mailing, which effectively lengthens the timeline. A new 3-business-day waiting period restarts if the APR becomes inaccurate (more than 1/8% for a fixed loan or 1/4% for an ARM), the loan product changes, or a prepayment penalty is added.
What is the 7-day waiting period?
Consummation may not occur until at least 7 business days after the initial Loan Estimate is delivered or placed in the mail. This 7-business-day period and the 3-business-day CD waiting period run on their own timelines, and the closing cannot happen until both have been satisfied.
What is the 3-day right of rescission, and when does it apply?
On a refinance of a borrower's principal dwelling (a non-purchase transaction), the borrower has the right to rescind — cancel — the loan within 3 business days after the latest of: consummation, delivery of the Truth-in-Lending disclosures, or delivery of the two required notices of the right to rescind. Purchase-money mortgages have NO right of rescission. The rescission uses the 'precise/specific' business-day definition (see below).
What is the difference between the 'general' and 'precise/specific' business-day definitions?
TRID uses two different definitions of 'business day.' The GENERAL definition — used for delivering the Loan Estimate — is any day the creditor's offices are open to the public to conduct substantially all of its business functions. The PRECISE (also called SPECIFIC) definition — used for the CD waiting period, the 7-day waiting period, and the right of rescission — is all calendar days except Sundays and the federal legal public holidays listed in 5 U.S.C. 6103(a). Under the precise definition, Saturdays count as business days but Sundays and federal holidays do not. Mixing the two up is one of the most common mistakes on TRID timing questions.
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