How early must a lender give you the Closing Disclosure before you close?

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  1. At least 24 hours
  2. At least 14 days
  3. At least three business days

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References

  1. CFPB: What is a Closing Disclosure? www.consumerfinance.gov/ask-cfpb/what-is-a-closing-disclosure-en-1983 Checked 2026-10-10.
  2. CFPB: ARM rate caps www.consumerfinance.gov/ask-cfpb/what-are-rate-caps-with-an-adjustable-rate-mortgage-arm-and-how-do-they-work-en-1951 Checked 2026-10-10.

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