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TILA · RESPA · TRID Timeline
National · Financing & Lending — free cheat sheet for the real estate licensing exam.
🏦 Financing & Lending
📋 The 1-minute cheat sheet
- TILA (Reg Z): disclose the true cost of credit — APR; 'trigger terms' in ads require full disclosure
- RESPA: closing-cost rules — no kickbacks (Section 8), no unearned fees
- TRID Loan Estimate: within 3 BUSINESS days of application
- TRID Closing Disclosure: at least 3 BUSINESS days BEFORE consummation
- Applies to most consumer mortgage loans — not cash or commercial deals
Related in Financing & Lending
Questions students ask
Is TILA · RESPA · TRID Timeline on the real estate exam?Yes. Financing & Lending is a scored domain on the real estate licensing exam, and this topic appears in the national portion.
Is this cheat sheet free?Yes — every page on CinnaPrep's resource library is free to read, print and share. The app adds practice questions, mock exams and a readiness score.
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