Tuscan ClubUNIVERSITY
Compliance QC Tools · TRID

TRID / Loan Date Calculator

Works out the application date, disclosure deadlines, waiting periods, rescission and Reg B and HMDA dates from the dates you enter, and tests each actual date against its deadline. Every result links to its section.

Draft wording, not reviewed

Inputs

Dates and categories only

What to work out

Direction Earliest closing counts forward from the dates entered. Desired closing also counts back from the consummation date you want.

Institution calendar

Open Saturdays? Is the bank open on Saturdays for substantially all business functions? Needed for every deadline counted in general business days.
Optional. Starts from the Federal Reserve holiday schedule; add any other day the bank was closed.
    Optional. A day on the holiday schedule when the bank was open for substantially all business functions.

      Application: the six items

      Date each item was received. The TRID application date is the latest of the six.

      Loan

      Each answer decides which rules apply. Follow-up questions appear only when an answer needs them.

      Event dates

      All optional. Enter what has happened; delivery details appear once a date is entered.

      Date the bank received the information, or locked the rate.

      Reg B and HMDA

      Optional. When the bank received a request under its own application procedures; can be earlier than the TRID application date. Starts the Reg B appraisal notice. If blank, the TRID application date is used.
      When the bank had all the information it normally considers. Starts the notice of action taken.

      Results

      Results: date and how it was counted, citation and status for each item
      ItemDateCitationStatus