Sec4-P32

A borrower submits a loan application and asks when they should expect to receive information about homeownership counseling options. The loan officer reviews disclosure timing requirements.

A lender prepares to issue the Closing Disclosure and wants to ensure it is delivered within the proper timeframe prior to closing.

A creditor provides a corrected Closing Disclosure due to changes in loan terms. The borrower asks whether a new waiting period applies.

After consummation, a settlement change causes the Closing Disclosure to become inaccurate and affects the amount paid by the borrower.

A lender prepares the final Closing Disclosure prior to settlement and wants to confirm delivery timing requirements.