For the Notice Concerning Refinance of Existing Home Equity Loan to Non-Home Equity Loan:

"(D) the lender provides the owner the following written notice on a separate document not later than the third business day after the date the owner submits the loan application to the lender and at least 12 days before the date the refinance of the extension of credit is closed:"

What does "provides" mean? Is it sufficient to drop to mail within 3 days?

Also, what is considered a "business day"?

Much of this can be found in 7 TAC 153

7 TAC 153.1

(2) Business Day--All calendar days except Sundays and these federal legal public holidays: New Year's Day, the Birthday of Martin Luther King, Jr., Washington's Birthday, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day, and Christmas Day.

7 TAC 153.45

(4)(D) The lender must deliver the refinance disclosure or place it in the mail no later than the third business day after the owner submits the loan application. The refinance disclosure must be delivered to the owner at least 12 days before the refinance is closed. If a lender mails the refinance disclosure to the owner, the lender must allow a reasonable period of time for delivery. A period of three calendar days, not including Sundays and federal legal public holidays, constitutes a rebuttable presumption for sufficient mailing and delivery.

Perfect! Thanks Randy!

So even if we're not open for normal business on Saturday, Saturday still counts as a business day?

Yes - that is a trap, if you plan on sending it with your initial disclosure package and you don't count Saturday's as a business day under Regulation Z and you don't send until the third business day and it involves a weekend.