If the loan is subject to RESPA, the consumer must have received either the RESPA GFE (which will become the Loan Estimate next year) or, for HELOCs, the early HELOC disclosures under 1026.40.
If the loan isn't subject to RESPA, it's the disclosures required under 1026.32(c), which apply only to high-cost mortgages (FKA HOEPA loans), which have to be provided at least 3 business days before closing (and which the Bureau now encourages you to provide even sooner).
Note that for most banks, loans that are HCMLs and not subject to RESPA will be few.
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8