Other Considerations- Servicing

Am I interpreting 1026.37 (m) (6) correctly? If the bank doesn't intend to sell a loan before the 1st payment is due, although we may later on, all we have to disclose is that we intend to service the loan on the LE and then provide the applicable transfer of servicing disclosures at the later date? I feel like I'm missing something.

Thanks in advance!

Depends on what your intent is, whether before the 1st payment or not.