Closing
Date
MONDAY
TUESDAY
WEDNESDAY
THURSDAY
FRIDAY
SATURDAY
algo
Disclosure
Day
- Hand deliver
- Deliver by courier with signed receipt
Preceding
Thursday
Thursday
Preceding
friday
friday
Preceding
saturday
saturday
Preceding
monday
monday
Preceding
tuesday
tuesday
Preceding
wednesday
wednesday
algo
Mail
Disclosure
Preceding
Monday
Monday
Preceding
Tuesday
Tuesday
Preceding
Wednesday
Wednesday
Preceding
Thursday
Thursday
Preceding
Friday
Friday
Preceding
Saturday
Saturday
Note: If a federal holiday falls in the three-day period, add a day for disclosure delivery.
The three-day period is measured by days, not hours. Thus, disclosures must be delivered three days before closing, and not 72 hours prior to closing.
Disclosures may also be delivered electronically on the disclosures due date to compliance with E-sign requirements.