Updated 5/2015. 1  Disaster relief volunteer work with the Red Cross. 2  Sometimes seeing the world just is not enough. 3  There is a gnawing need inside, a pull to do more, to have an impact, to make a difference.  Sometimes, it is hard to sit by and just watch the earthquakes, floods, famine and war unfurl on the news.
As a consequence, wise sellers sometimes give the disclosure statement to the buyer even before the deal is made! As soon as an interested buyer is found, the seller presents the disclosures (of course getting the buyer to sign when they were received).
According to the Consumer Financial Protection Bureauâs final rule, the creditor must deliver the Closing Disclosure to the consumer at least three business days prior to the date of consummation of the transaction. (Note that the Closing Disclosure and Loan Estimate must be implemented by Oct. 3, 2015, on certain loans. In the final rule, the CFPB said creditors may use settlement agents to provide the Closing Disclosure, provided that the settlement agents comply with the final ruleâs requirements for the Closing Disclosure.