Mortgage Lending · Compliance & Regulatory
TRID timing and tolerance procedures
An internal procedure manual explaining when mortgage disclosures must be delivered and how much quoted fees may change before a refund is owed.
What it usually contains
- Delivery deadlines for the Loan Estimate and Closing Disclosure, including the three-day rules and mailbox delivery assumptions
- Fee categories sorted into zero tolerance, ten percent cumulative, and no-tolerance buckets
- List of valid changed circumstances and the steps for issuing a revised estimate
- Cure and refund procedures, including timing limits and how corrections are documented
- Roles, sign-offs, recordkeeping, and audit checks for each disclosure step
What the assistant uses it for
Answer questions about when a disclosure has to go out, whether a fee increase is allowed, and what to do when it is not. Use it to check redisclosure triggers, cure amounts, and who approves each step.
How it is versioned
A document of this type has exactly one current version at a time. Upload a revision and it becomes the version that counts — the one before it is kept and dated, but is no longer what your assistant answers from. Nothing is ever deleted, so you can always show what this document said on a given date.
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