This page is general information about a federal regulation, not legal advice, and it is not a substitute for your lender's or settlement agent's own determination. It applies one federal timing rule. Your contract, your state, and your lender may impose deadlines this page knows nothing about.
Scheduled closing date
§1026.2(a)(13) defines consummation as “the time that a consumer becomes contractually obligated on a credit transaction” — quoted in full below. It is not necessarily the day the deed records or the day keys change hands, and the three can fall on different days.
Enter the scheduled closing date above.
Why this is not a federal holiday calendar
Most people counting this rule reach for a list of federal holidays. That list is built for federal employees' pay and leave, and it differs from the one this rule points at in two ways that move dates.
- A holiday that falls on a Saturday. The employee calendar shows it observed on the preceding Friday, under 5 U.S.C. 6103(b). But §1026.2(a)(6) points at 6103(a) — the statutory dates. So the day the count skips is the Saturday, and the Friday still counts. In the rest of this decade that hits Independence Day 2026, Juneteenth and Christmas 2027, and New Year's Day and Veterans Day 2028.
- A holiday that falls on a Sunday. The mirror image, and it cuts the other way. The statutory date is a Sunday, which this rule already excludes, so nothing is lost there — but the employee calendar moves the observance to the following Monday, and that Monday is not a 6103(a) date, so it counts as a business day. Skipping it costs a day. In the rest of this decade that is Independence Day 2027 (observed Monday July 5) and Veterans Day 2029 (observed Monday November 12).
- Inauguration Day. It appears on the employee calendar in the relevant years. It comes from 5 U.S.C. 6103(c), it reaches only federal employees in the Washington, DC area, and §1026.2(a)(6) does not reference it. This calculator does not skip it.
- Saturdays are business days here. The definition that applies to this paragraph excludes Sundays and the listed holidays, and says nothing about Saturdays. That is the opposite of the general business-day definition in the same regulation.
What this calculator does not tell you
One rule, counted one way. Everything below is outside it, and a date from this page is not an answer to any of them.
- The appraisal copy deadline under Regulation B. It is also stated in “business days”, but that deadline does not get a definition of the term: §1002.14 uses it five times without defining it, §1002.2 — Regulation B's definitions section — does not define it at all, and the official interpretations of §1002.14 do not either. (Regulation B does define the term once, in the commentary to §1002.107(a)(2), and that definition is expressly limited to that paragraph.) This page will not compute a deadline whose unit its own source leaves open. We walked through what the text does and does not settle in the Regulation B appraisal copy rule. Read on eCFR 2026-09-25: §1002.14, §1002.2.
- The exceptions named in the rule itself. §1026.19(f)(1)(ii)(A) opens by excepting five other paragraphs, and this page applies none of them.
- When a disclosure is not handed over in person. §1026.19(f)(1)(iii) sets a separate three-business-day presumption running from delivery or mailing, which stacks on top of the deadline above. This page counts back from consummation only.
- Whether a change re-starts the clock, and whether the consumer may waive the waiting period. Both are elsewhere in §1026.19.
The text this page counts
The deadline
“Except as provided in paragraphs (f)(1)(ii)(B), (f)(2)(i), (f)(2)(iii), (f)(2)(iv), and (f)(2)(v) of this section, the creditor shall ensure that the consumer receives the disclosures required under paragraph (f)(1)(i) of this section no later than three business days before consummation.”
12 CFR §1026.19(f)(1)(ii)(A) — eCFR, title 12 current as of 2026-09-23. Read 2026-09-25. ecfr.gov
The unit it is counted in
“Business day means a day on which the creditor's offices are open to the public for carrying on substantially all of its business functions. However, for purposes of rescission under §§ 1026.15 and 1026.23, and for purposes of §§ 1026.19(a)(1)(ii), 1026.19(a)(2), 1026.19(e)(1)(iii)(B), 1026.19(e)(1)(iv), 1026.19(e)(2)(i)(A), 1026.19(e)(4)(ii), 1026.19(f)(1)(ii), 1026.19(f)(1)(iii), 1026.20(e)(5), 1026.31, and 1026.46(d)(4), the term means all calendar days except Sundays and the legal public holidays specified in 5 U.S.C. 6103(a), such as New Year's Day, the Birthday of Martin Luther King, Jr., Washington's Birthday, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day, and Christmas Day.”
12 CFR §1026.2(a)(6) — eCFR, title 12 current as of 2026-09-23. Read 2026-09-25. ecfr.gov
The illustrative list in that sentence names ten holidays and is introduced by “such as”. Juneteenth National Independence Day is not among the ten; the operative words are the reference to 5 U.S.C. 6103(a), and this calculator counts against that list rather than against the illustration.
The Bureau's own worked example
The statutory-date-not-observed-date point is not our inference. The Bureau's official interpretation of §1026.2(a)(6) works the example through, and it happens to use July 4 on a Saturday — which is exactly 2026.
“Four Federal legal holidays are identified in 5 U.S.C. 6103(a) by a specific date: New Year's Day, January 1; Independence Day, July 4; Veterans Day, November 11; and Christmas Day, December 25. When one of these holidays (July 4, for example) falls on a Saturday, Federal offices and other entities might observe the holiday on the preceding Friday (July 3). In cases where the more precise rule applies, the observed holiday (in the example, July 3) is a business day.”
Official interpretation of 12 CFR §1026.2(a)(6), comment 2 — Supplement I to Part 1026. eCFR, title 12 current as of 2026-09-23. Read 2026-09-25. ecfr.gov
That comment enumerates four fixed-date holidays. Juneteenth National Independence Day is a fifth, added to the federal holiday schedule after the comment was written; OPM publishes it as a federal holiday on June 19, and this calculator counts it. The comment's operative words are its reference to 5 U.S.C. 6103(a), not its list.
What “consummation” means
“Consummation means the time that a consumer becomes contractually obligated on a credit transaction.”
12 CFR §1026.2(a)(13) — eCFR, title 12 current as of 2026-09-23. Read 2026-09-25. ecfr.gov
Where the holiday dates come from
“If a holiday falls on a Saturday, for most Federal employees, the preceding Friday will be treated as a holiday for pay and leave purposes. (See 5 U.S.C. 6103(b).) If a holiday falls on a Sunday, for most Federal employees, the following Monday will be treated as a holiday for pay and leave purposes. (See Section 3(a) of Executive Order 11582, February 11, 1971.)”
“This holiday is designated as "Inauguration Day" in section 6103(c) of title 5 of the United States Code, which is the law that specifies holidays for Federal employees. Federal employees in the Washington, DC, area are entitled to a holiday on the day a President is inaugurated on January 20th for each fourth year after 1965.”
U.S. Office of Personnel Management — Federal Holidays. Read 2026-09-25. opm.gov
Those two footnotes are what let the statutory dates be recovered from a published employee schedule: an observed Friday marked as a shift means the statutory date is the Saturday after it, and Inauguration Day is set aside as 6103(c). The holiday dates built into this page cover 2024 through 2030; outside that window it declines to answer rather than guess.
Read next
- What the Closing Disclosure three-day rule actually requires — the full walk through §1026.19(f), including what re-starts the waiting period and what does not.
- The Regulation B appraisal copy rule — the other federal deadline on a closing calendar, and why its business-day count is not settled by its own text.
- All federal rules explained for agents — the rest of the library.
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