Definition of Consummation Under TILA/RESPA Mortgage Rules

Question – In the case of a refinance transaction, is consummation considered time of closing (signing of the note and mortgage) or after the three day right of rescission expires? The rule states that consummation occurs when the consumer becomes contractually obligated to the creditor.  At what point does the closing disclosure have to be provided in order to comply with the three business days required before consummation of the transaction?

Already a member? Log in

Members Get More

This page contains member-only content.

Membership is open to all federally insured credit unions in the United States, both federally and state-chartered. Members enjoy:

  • Hundreds of articles and resources
  • Personalized compliance assistance
  • Discounts on top-rated education opportunities
  • Member-only benefits and savings

Interested? Schedule a Customized Membership Webinar

If you are already logged in and believe you should have access to member-only content, please contact us for assistance at info@americascreditunons.org.