A creditor places the Closing Disclosure in the mail. For the three-business-day receipt requirement, the consumer is presumed to receive it:

Giải thích

When the CD is mailed, the consumer is presumed to receive it three business days after mailing, unless there is evidence of earlier receipt. The three-business-day waiting period before consummation then runs from that presumed receipt date. Delivering the CD in person or electronically with proof of receipt can shorten this timeline.