What TRID requires
The federal Truth-In-Lending integrated disclosure rules govern when the Loan Estimate (LE) and Closing Disclosure (CD) must reach the borrower:
- LE delivered within 3 business days of application (§1026.19(e)(1)(iii))
- 7-business-day waiting period between LE and consummation (§1026.19(e)(4))
- CD received ≥ 3 business days before consummation (§1026.19(f)(1)(ii))
- Revised CD triggers a new 3-business-day clock for APR / product changes (§1026.19(f)(2)(ii))
- Tolerance bucket cure on fee variances (§1026.19(e)(3))
Where lenders trip up
Mail-delivery presumption. Re-disclosure triggers. Counting business days vs calendar days. Holiday handling. A surprising number of platforms calculate this manually — or worse, ignore it and rely on the closing attorney to catch errors.
What our gate does
Hard-block "Fund" when any of the five rules above is violated. Every block is displayed with the citation, what triggered it, and how to remediate. Soft-warn at the 24-hour threshold so your team can fix issues before they become blockers.
Why "hard-block"
Because a violation discovered after funding is a violation. Caught before funding, it's just a workflow nudge.
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