# Closing Disclosure Timing Check

Check a closing date against the three-business-day closing disclosure rule.

## Scope
Preparation and review only. No account action or professional decision.

## Inputs
The closing date and the date the closing disclosure was received.

## Workflow
1. Record the closing date.
2. Record the disclosure receipt date.
3. Count business days between receipt and closing.
4. Return the check without lender contact.

## Output contract
loan | closing_date | disclosure_received | business_days | required_days | compliant

## Fictional acceptance test
Fictional closing is set for the 15th and the closing disclosure was received on the 13th: 2 business days before closing, short of the required 3 by 1 day.

## Review gates
Keep original values, source IDs and version dates. Unknown facts stay held. Use qualified review for hiring, legal and accounting conclusions. No send, share, sign-in, scheduling, ledger change or payment. Fictional contract review is not a live account compatibility test.

## Method source
https://www.consumerfinance.gov/ask-cfpb/what-should-i-do-if-i-do-not-get-a-closing-disclosure-three-days-before-my-mortgage-closing-en-1911/

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