I'm hoping someone can clarify the exemption provision in the TRID Amendment that was published last July. If a Down Payment Assistance loan meets the partial exemption conditions under 1026.3(h) and 1024.5(d), if the creditor chooses not to utilized the TRID disclosures, does the creditor have to provide an Early and Final TIL, or may they provide a form that conforms with the disclosure requirements under 1026.18 prior to consummation?
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"Tact is telling someone to go to [censored] in such a way, they look forward to the trip" Winston Churchill