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can a borrower waive their right to waiting three days after receiving the closing disclosure in order to close the deal sooner yes but only under very limited circumstances there is a provision in the rule that allows the borrower to waive the 3-day review period after receiving the disclosure only if the borrower has a bona fide personal financial emergency the phrase is undefined but the CFPB has noted the bar is set very high for what would constitute a financial emergency for more information about the new changes that are going into effect visit us on the web at old republic title calm / CFPB