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CD Issue Date

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Do you have to revise the issue date of the Final CD to match the CD date if nothing has changed from the Initial CD issue?

No final CD is required if nothing has changed from the original CD. If you wish to provide a CD at closing just provide another copy of the initial CD. If anything has changed from the previous CD then provide a new CD that includes, among other items, a revised Date Issued. Keep in mind that if the APR becomes inaccurate, the loan product changes or if a prepayment penalty is added a new three-day waiting period is required.


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First published on 10/04/2020

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