Am I crazy again or did these donkeys mess up their own sample?

If the closing disclosure is required to be delivered to the customer at least three business days prior to consummation, why does this sample have the date of closing listed for the date issued?

http://files.consumerfinance.gov/f/201403_cfpb_closing-disclosure_cover-H25B.pdf

Because there is no context as to what this disclosure represents. It could be a revised disclosure issued at consummation.

The CFPB indicated to us that the example demonstrates what a revised CloD could look like since it COULD be provided at or before closing. Therefore the date issued, closing and disbursement COULD all match. The initial CloD would NEVER look that way.

If they had said that in their description of the sample, it would have denied us all an opportunity to scratch our heads and question the Bureau's accuracy. You cannot imagine how many people have pointed out that date. Yesterday, I suggested the drafter of the form was having anxiety over his tax filing (4/15/13?)

While we are on the topic of dates, has everyone else out there noticed there is no guidance anywhere for how the date is to be formatted? My first thought was to say you use the samples as exemplars for how to do it. That got shot down when someone pointed out there are samples using the 4/1/15 format and the 4/1/2015 format.

I think I'm going to let my software vendor figure that one out.

And now you understand why my avatar is Corp. Klinger. I'm getting closer to earning my Section 8 every day.

And a fine likeness it is, Norman! One of my favorite entertainments of all time. It didn't matter whether a given episode was hilarious or poignant, it was a terrific show with fantastic writers.

And CPL Klinger was ever outrageous!