That's okay, TR...I was just trying to cover all basis depending on the situation. If the eTIL was mailed, you have to wait 3 days before collecting other than the CR fee:
Imposition of fees. Except as provided in paragraph (a)(1)(iii) of this section, neither a creditor nor any other person may impose a fee on the consumer in connection with the consumer's application for a mortgage transaction subject to paragraph (a)(1)(i) of this section before the consumer has received the disclosures required by paragraph (a)(1)(i) of this section. If the disclosures are mailed to the consumer, the consumer is considered to have received them three business days after they are mailed.
and I digress. TR is correct, it's covered otherwise in the commentary to Z.
If the creditor places the disclosures in the mail, the creditor may impose a fee
after the consumer receives the disclosures or, in all cases, after midnight on the third business day following mailing of the disclosures.
So, if they call you and say...Hey, I got them and they expres intent, you could collect on day 2.
If you send them through the regular mail...you can go with "in all cases" once they give intent. (snarky comment on the snail mail industry.
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