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How Long Must Creditors Keep Real Estate Loan Records?

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Tampa Probate Lawyer / Blog / Trid / How Long Must Creditors Keep Real Estate Loan Records?

How Long Must Creditors Keep Real Estate Loan Records?

Under the TRID rule, creditors must retain Escrow Cancellation and Partial Payment Policy disclosures for two years; Loan Estimate records for three years after loan consummation and Closing Disclosures for FIVE years.

If a creditor sells or transfers their interest they must provide a copy of the Closing Disclosure to the new owner or servicer and both parties must retain it for the remainder of the 5-year period. Records CAN be stored digitally but it is NOT required.

TRID does not define how long consumers should keep disclosure records.

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