A Loan Estimate is considered “expired” if the consumer does not express an intent to proceed within 10 business days after the Loan Estimate is provided, unless a longer period is specified by the creditor.
“If a creditor does not receive an intent to proceed from a consumer within ten business days after the Loan Estimate is provided, the creditor is no longer bound by the Loan Estimate.”
— 12 CFR § 1026.19(e)(3)(iv)(E); CFPB TILA-RESPA Guide
[References:, , CFPB, TILA-RESPA Integrated Disclosure Rule Guide, , 12 CFR § 1026.19(e)(3)(iv)(E), , ===========, , ]
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