The Consumer Financial Protection Bureau (CFPB) has established, October 3, 2015, as the new effective date for the implementation of the TILA-RESPA Integrated Disclosure Rule.  It is known as the TRID rule.  TILA-RESPA will make it so lenders are required to hand over closing disclosures to the borrower no later than 3 days before closing.  This may cause a longer process for escrows to close.