A team member asks about TRID Loan Estimate Revisions in a daily pipeline review while trying to confirm the rule-based response. Which response should a closing coordinator use?

Correct Answer

C) Disclose settlement charges within TRID timing rules

Why this is correct: TRID's core requirement is that settlement charges must be disclosed to the borrower within specific, mandatory timeframes. The Loan Estimate must be provided within three business days of application, and the Closing Disclosure must be provided at least three business days before consummation. The correct choice, "Disclose settlement charges within TRID timing rules," is the fundamental, rule-based response for any pipeline review involving revisions. The original explanation correctly identifies this as the governing principle. Why the other choices are wrong: "Resolve the TRID Loan Estimate Revisions issue with the consumer complaint exception that does not fit the facts" is wrong because using an exception that doesn't apply to the facts is non-compliant; revisions must be based on actual permissible events. "Cure a tolerance problem by renaming the fee instead of documenting or refunding the variance" is wrong because mischaracterizing a fee does not cure a tolerance violation; proper cure requires a refund or valid justification. "Move the fee to a different category to avoid a tolerance cure" is wrong because fee categorization is based on the nature of the charge; moving it artificially to a different tolerance bucket is not allowed. Exam tip: Timing is everything in TRID. When in doubt about the correct procedural step, the answer that emphasizes adhering to the required disclosure timelines (three days for LE, three days for CD review) is often correct.