When you generate the revised CD, check the APR to ensure it hasn't changed enough to make the APR on the initial CD inaccurate. If it IS now inaccurate, you'll have to ensure that the revised CD is RECEIVED by the borrower at least three business days before closing.
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8