---
title: How Do You Cover a Black Hole
description: How do you cover a Black Hole?  Maybe its as easy as removing the 4 day window.  Nathan Knottingham of The Knowledge Coop does a quick overview then brings a little more detail to how the CFPB came to this decision.
---

[The Knowledge Coop Blog ](https://blog.knowledgecoop.com)

# [How Do You Cover a Black Hole](https://blog.knowledgecoop.com/cfpb-addresses-trid-black-hole)

 Written by [Nathan Knottingham](https://blog.knowledgecoop.com/author/nathan-knottingham) | May 2, 2018 3:29:11 PM

Since 2015 the release of the TILA-RESPA rule answered a lot of questions, but also created more, and even created the ever theorized "Black Hole."  But instead of a high density heavenly body, this black hole was a weird undefined frame work of time where fees could be changed and communicated prior to closing (and so much more). 

 

So without further ado, here is a short recap.  For the longer explanation training video scroll down the page where you can also find links to the rule, press release, and more. 

 

So there is a quick hit overview.  There is a 65 page write up on this rule along with a press release you can read here: 

[Bureau of Consumer Financial Protection Finalizes Amendment to "Know Before You Owe" Mortgage Disclosure Rule](https://www.consumerfinance.gov/about-us/newsroom/bureau-consumer-financial-protection-finalizes-amendment-know-you-owe-mortgage-disclosure-rule/)

[Federal Mortgage Disclosure Requirements under the Truth in Lending Act (Regulation Z)](https://files.consumerfinance.gov/f/documents/cfpb_tila-respa_final-rule_amendments-to-federal-mortgage-disclosure-requirements.pdf)

As promised, here is a longer explanation/training video where we go into some more detail, some cover on the comments about the 4 Day Window, and the resolution: 

Check out our other [videos](https://www.youtube.com/channel/UCYZQRELKTZNrNt24Aj5PRsw) on YouTube.

We'd love to hear from you!  Please comment below or join the conversation on our [Facebook page](https://www.facebook.com/KnowledgeCoop/). 

Thanks for visiting us every Wednesday! If you have any topics you'd like to see us investigate and share, please leave us a comment below!

[View full post](https://blog.knowledgecoop.com/cfpb-addresses-trid-black-hole)

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