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Reply To: Closing Disclosure Signature Line Date

#34492
jholzknecht
Keymaster

Use of the signature line is optional. When used, each consumer obligated on the transaction must sign.

The burden is on the creditor to provide proof that the CD was delivered three business days before closing. If a borrower is not available for face-to-face delivery three days before closing, then the disclosure should be mailed to the consumer six business days before closing.