What should I do if I do not get a Closing Disclosure three days before closing?

The Closing Disclosure is the federal form that shows the final loan terms and closing costs. The CFPB says to read it carefully and compare it with the Loan Estimate before you sign anything. Confirm that you understand any fee increase or other discrepancy. Review it before you arrive, because many other papers will be presented at the table. There is no required time limit at closing; you can take the time you need and ask questions.

A Loan Estimate and Closing Disclosure are not used for a reverse mortgage, a HELOC, a manufactured-housing or mobile-home loan that is not secured by real estate, or certain homebuyer-assistance subordinate loans. Those products use Truth-in-Lending disclosures. A reverse mortgage also comes with a Good Faith Estimate plus a HUD-1 or HUD-1A form. Those substitute closing papers do not have to be delivered ahead of time. If you request a HUD-1 copy, the CFPB says you may look it over no later than one business day before you sign.

If the missing or late Closing Disclosure is unresolved, discuss it with the lender. The CFPB lists a complaint channel — online or by calling (855) 411-CFPB (2372) — as one way to report a concern. A complaint is forwarded to the company and is not itself a finding that the lender violated the law. State closing practice can affect scheduling, but it does not replace the federal three-business-day Closing Disclosure rule on loans that use that form.