Mortgage — TRID Timeline Compliance Checklist

Activate when: an application hits the 6-item threshold (LE clock starts); approaching closing (CD clock); any change-of-circumstance / re-disclosure; 'did we send the LE in time?', 'does this trigger a new 3-day wait?'. Do NOT activate when: pre-application shopping with no six items collected.

Industry front door for checklist. Adds domain triggers, example, packs only. Parent Process unchanged. Not legal advice. Verify against current TILA-RESPA (Reg Z/X) and CFPB guidance; business-day rules have nuances.

Activate when: an application hits the 6-item threshold (LE clock starts); approaching closing (CD clock); any change-of-circumstance / re-disclosure; "did we send the LE in time?", "does this trigger a new 3-day wait?" Do NOT activate when: pre-application shopping with no six items collected.

Why this variant

The parent checklist is a verifiable gate. TRID is a hard-clock gate whose misses cause cure liability and closing delays. This maps the disclosure clocks onto the parent's gate discipline.

Domain inputs → parent's gate

• LE: provide within 3 business days of a complete application (the 6 items) and ≥7 business days before consummation.
• CD: received by borrower ≥ 3 business days before consummation.
• Re-disclosure triggers: APR beyond tolerance, loan-product change, prepayment penalty added → new 3-day CD wait.
• Tolerances: zero / 10% / unlimited buckets; changed-circumstance documentation to reset.
• Records: retain LE/CD and evidence of timing.

Worked example

Rate change two days before closing pushes APR beyond tolerance. → Gate: this triggers a corrected CD and a fresh 3-business-day wait — closing moves. Catch it now, not at the table. Undocumented change-of-circumstance = tolerance cure owed.

Compliance anchors

• TILA-RESPA Integrated Disclosure (Reg Z 1026.19); RESPA (Reg X); CFPB TRID guide.

Packs

• Solo LO: per-file clock card (LE start, CD deliver-by, re-disclosure watch).
• Brokerage: automated timeline alerts feeding the deadline engine.

Red flags

• LE sent late after the 6th item was in hand.
• APR/product change treated as no-impact.
• Changed circumstance claimed without documentation.

Verification

• LE within 3 business days of complete application
• CD received ≥3 business days pre-consummation
• Re-disclosure triggers checked on every change
• Tolerance buckets respected; COC documented
• LE/CD + timing evidence retained

---

Part of deciqAI Knowledge Skills. Core method: checklist.

---

Part of deciqAI Knowledge Skills — 189 open-source thinking skills that make rigor executable for AI agents. The same skills power every deciqAI agent, which runs them autonomously to operate your company. See it run → https://www.deciqai.com/c/mortgage-trid-timeline-checklist · ⭐ Star the repo → https://github.com/deciqAI/knowledge-skills · Contributions welcome.