For GFE changed circumstance, there is no required wait time to close. But if the GFE changed circumstance causes the TIL APR to be out of tolerance, then 3-day (or 6-day, if mailed) wait is required. There is no midnight rule like there is for the right of recission. The day after the TIL is provided is day 1. You can close on day 3.
A GFE changed circumstance doesn't necessarily cause a TIL re-disclosure. A TIL re-disclosure is only required if the APR is out of tolerance. So sometimes, you can avoid waiting if only the GFE has to be re-disclosed due to a changed circumstance.
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