Closing Disclosure correction

How do we produce a corrected Closing Disclosure for changes found at or after closing within the required window?

Classify the change and the window, then produce the correction from the record. When a change is found at the table or after closing, Callvu classifies it (a change before consummation, a post-closing change affecting an amount paid by the consumer, a clerical error, a tolerance refund), sets the window (at or before consummation; 30 days after consummation; 60 days for a clerical error or a tolerance refund), produces the corrected Closing Disclosure from the Closing Disclosure of record with the change, delivers it, and writes it with the reason to the LOS.

In scopeSimpleCallvu moves: classify, write back

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Last updated November 7, 2026.

The problem today

The recording fee came back different a week after closing, and the corrected disclosure was never sent.

Today, without Callvu

After closing, the county charges a different recording fee, a payoff figure changes, or a typo is found on the Closing Disclosure. Each requires a corrected disclosure within a window the rule sets by the kind of change. Most lenders learn of the change from the settlement agent's reconciliation and handle it by email, if at all.

TRID sets three windows: at or before consummation for changes before it; 30 days after consummation for post-closing events that change an amount paid by the consumer or the seller; and 60 days for non-numeric clerical errors and for tolerance refunds. A correction outside its window is a violation, and a missing one is a finding on the file.

The change arrives as an event. The correction should follow from it.

How it runs

From the requestto the system of record.

A change to the Closing Disclosure's content is found at the table, by the settlement reconciliation, by the post-closing review, or by the borrower. Callvu captures the change with the date the lender received the information.

Closer: Records changes found at the table through the process.
Borrower: Receives the corrected disclosure and any refund.
Callvu: Classifies, computes the window, produces and delivers the correction, posts refunds and records.

Capture and classify
The change is captured with its source and the date received, and classified: a change before consummation (and whether it is one that resets the waiting period), a post-closing event changing an amount paid by the consumer or seller, a non-numeric clerical error, or a tolerance refund. The window follows from the classification.
Produce the correction
The corrected Closing Disclosure is produced from the disclosure of record with the change applied, the changed items marked, and the reason recorded; a tolerance refund is computed and the lender credit or refund set.
Decide where needed and deliver
A correction inside the automated rules is delivered by the consented method inside the window; one with a question (whether the event changes an amount paid, whether it resets the waiting period) goes to the closing team or compliance in the Decision Desk with the deadline. Refunds are posted with the correction.
Write back
The corrected disclosure, its delivery, the reason, the window and any refund are written to the LOS against the Closing Disclosure of record, so the file shows the sequence.

Where it ends: Every change at or after closing produced a corrected Closing Disclosure inside its window with the reason recorded, and refunds followed with it. The Decision Trace shows the classification and the window; the Audit Trace shows the capture, the delivery and the refund.

Runtime enforcement

What is enforcedwhile the work runs.

The regulations preloaded in Callvu Studio and the bank's own policies, applied as steps that run, not lines in a binder. A step that breaks a rule does not run, so a completed run was compliant.

Regulations

TRID corrected Closing Disclosures (Reg Z 12 CFR 1026.19(f)(2)): If the Closing Disclosure becomes inaccurate before consummation, a corrected disclosure is provided at or before consummation (with a new three-business-day waiting period for an APR change beyond tolerance, a product change, or an added prepayment penalty); if an event within 30 days after consummation causes it to become inaccurate and results in a change to an amount actually paid by the consumer or seller, a corrected disclosure is delivered within 30 days of receiving information sufficient to establish the event; non-numeric clerical errors are corrected within 60 days after consummation; and a refund for a tolerance violation is delivered within 60 days after consummation with a corrected disclosure.
Record retention (Reg Z 12 CFR 1026.25(c)(1)): The Closing Disclosure and all corrections are retained for five years after consummation.

Company policies

Every change is captured with the date received, which starts its window.
The correction is produced from the disclosure of record, never retyped.
Questions on classification go to the closing team or compliance before the window closes.
The LOS holds every corrected disclosure in sequence.

Controls

Change capture with source and date.
Classification with the window.
Correction produced from the record with changes marked.
Decision Desk for classification questions.
Delivery inside the window with refunds posted.
Sequence retained.

Clocks and deadlines

Before consummation: Corrected at or before consummation; a new waiting period for the changes the rule names.
Post-closing changes to amounts paid: Within 30 days after consummation from receiving the information.
Clerical errors and tolerance refunds: Within 60 days after consummation.

Documents and checks

The change with its source and date
The classification and the window
The corrected Closing Disclosure with changes marked and the reason
The delivery record and any refund
The sequence in the LOS

In the Decision Trace

The classification and the window.
The correction's content.
Any Decision Desk decision.

In the Audit Trace

The capture.
The delivery and refund with times.
The write to the LOS.

The handoff

Between the front doorand the back office.

The front door

The table, the settlement reconciliation, the post-closing review or the borrower; the closer records table changes through the process.

The back office

Post-closing and compliance see every correction against its window from the record.

The Decision Desk

A change whose classification or window is uncertain goes to the closing team or compliance in the Decision Desk with the deadline and only the allowed outcomes.

Proof

In scope.Proof at scale, not one process at a time.

The kind of process Callvu runs in production for customers in this industry. Ask for a reference on this exact process. The results below are the industry's published proof; each claim code links to its record on agents.callvu.com.

Bank Leumi runs its home lending workflows on Callvu.

MTG-01

Community Bank of Mississippi runs TRID loans on Callvu.

MTG-02

More than 1,000 processes are live across Callvu customers.

Across Callvu customers

Questions

What buyers ask next,answered plainly.

What are the windows?

At or before consummation for pre-closing changes; 30 days after for post-closing events changing an amount paid; 60 days for clerical errors and tolerance refunds. The classification sets it.

Where does the correction come from?

From the Closing Disclosure of record with the change applied and marked, with the reason recorded, never retyped.

What starts the window?

The date the lender received the information about the change, captured at the event.

Related processes

Closing package and settlement agent instructions Tolerance cure and refund Closing Disclosure timing Try it in the sandbox All home lending processes

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