If a lender never provides the required material TILA disclosures or notice of the right to rescind on a rescindable refinance, the borrower's right of rescission may be extended for up to:

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When the required material disclosures or the notice of the right to rescind are not delivered, the standard three-business-day period is extended, and the right to rescind can last up to three years after consummation (or until the property is sold, whichever comes first). This gives lenders a strong incentive to deliver accurate disclosures promptly.