Thanks Randy.
Yes, I know they are two separate and based on timing, they couldn't go together even if they could.
Just so I understand, RESPA Servicing goes (according to time requirements and combined or separate notices) at least 15 days before the mortgage consumer should send payments elsewhere (although we will still accept at the branch). I understand this to mean it should be sent as part of the conversion process as during the "interim" period between legal close / final sale and conversion, payments are to be made as usual to the branch office(s) of the acquired bank - even thought those loans are technically now loans owned by our bank. I'm probably thinking about this too hard. For example, if the conversion is 2/15/2022, a combined transfer notice would need to go out at least 15 days before 2/15/2022.
Whereas, under the Reg Z servicing disclosure requirement, we as the purchasing bank, send notice to the required mortgage customers no later than 30 days after purchase was final (so what we call the closing date). For example, if the legal close / purchase was made final on 11/1/2021, this notice would need to go out within 30 days of 11/1/2021.