Rescission Calendar

What Is a Rescission Period?

If a loan includes a rescission option, the borrower is given three (3) business days to cancel, beginning with the next business day following
either the signing date, the date the borrower receives the Truth in Lending Disclosure, or the date the borrower receives the Notice of Right
to Cancel — whichever occurs last. This is called a rescission period.

Calculating the Rescission Date

For purposes of rescission date calculation, business days include any day of the week, except Sunday and the following ten (10) federal
legal holidays:
• New Year’s Day — January 1 • Memorial Day — last Monday of May • Veterans Day — November 11
• Martin Luther King Jr. Day — third Monday • Independence Day — July 4 • Thanksgiving Day — fourth Thursday
of January • Labor Day — first Monday of September of November
• Presidents Day — third Monday of February • Columbus Day — second Monday of October • Christmas Day — December 25.

Note that four of the above-listed holidays are date-specific, falling on the same date each year, regardless of when the holiday is observed
nationally. Thus, when one of these dates falls on a weekend, the day the holiday is actually observed (e.g. the preceding Friday or following
Monday) may not be considered a business day by the federal government. HOWEVER, in some instances, the mortgage company does not
observe the same holiday schedule as the federal government. It is important for the Signing Agent to confirm this information with the
client prior to the signing appointment.

Rescinding a Loan Transaction

To rescind a loan transaction, the borrower must provide written notice by midnight of the third business day. The notification to cancel
need not to be received by the lender or even postmarked by the deadline; it only must be mailed by the deadline. For example, if the
rescission period ends at midnight on Saturday and a rescission notice is mailed on Saturday night at 10:00 p.m., the loan is considered
canceled even though the notice will not be postmarked until Monday.

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 Rescission Calendar

January 2020
Sun Mon Tue Wed Thurs Fri Sat
1 2 3 4
Holiday
New Year’s Day Ends Ends Ends
Ends 1/4 1/6 1/7 1/8

5 6 7 8 9 10 11

Ends Ends Ends Ends Ends Ends Ends

1/8 1/9 1/10 1/11 1/13 1/14 1/15

12 13 14 15 16 17 18

Ends Ends Ends Ends Ends Ends Ends

1/15 1/16 1/17 1/18 1/21 1/22 1/23

19 20 21 22 23 24 25
Holiday
Ends Martin Luther Ends Ends Ends Ends Ends
1/23 King Jr. Day 1/24 1/25 1/27 1/28 1/29
Ends 1/23
26 27 28 29 30 31

Ends Ends Ends Ends Ends Ends

1/29 1/30 1/31 2/1 2/3 2/4

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 Rescission Calendar

February 2020
Sun Mon Tue Wed Thurs
Thu Fri
Fri Sat
Sat
1

Ends
2/5

2 3 4 5 6 7 8

Ends Ends Ends Ends Ends Ends Ends

2/5 2/6 2/7 2/8 2/10 2/11 2/12

9 10 11 12 13 14 15

Ends Ends Ends Ends Ends Ends Ends

2/12 2/13 2/14 2/15 2/18 2/19 2/20

16 17 18 19 20 21 22
Holiday
Ends Presidents Ends Ends Ends Ends Ends
2/20 Day 2/21 2/22 2/24 2/25 2/26
Ends 2/20
23 24 25 26 27 28 29

Ends Ends Ends Ends Ends Ends Ends

2/26 2/27 2/28 2/29 3/2 3/3 3/4

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 Rescission Calendar

March 2020
Sun Mon Tue Wed Thurs Fri Sat
1 2 3 4 5 6 7

Ends Ends Ends Ends Ends Ends Ends

3/4 3/5 3/6 3/7 3/9 3/10 3/11

8 9 10 11 12 13 14

Ends Ends Ends Ends Ends Ends Ends

3/11 3/12 3/13 3/14 3/16 3/17 3/18

15 16 17 18 19 20 21

Ends Ends Ends Ends Ends Ends Ends

3/18 3/19 3/20 3/21 3/23 3/24 3/25

22 23 24 25 26 27 28

Ends Ends Ends Ends Ends Ends Ends

3/25 3/26 3/27 3/28 3/30 3/31 4/1

29 30 31

Ends Ends Ends

4/1 4/2 4/3

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 Rescission Calendar

April 2020
Sun Mon Tue Wed Thurs Fri Sat
1 2 3 4

Ends Ends Ends Ends

4/4 4/6 4/7 4/8

5 6 7 8 9 10 11

Ends Ends Ends Ends Ends Ends Ends

4/8 4/9 4/10 4/11 4/13 4/14 4/15

12 13 14 15 16 17 18

Ends Ends Ends Ends Ends Ends Ends

4/15 4/16 4/17 4/18 4/20 4/21 4/22

19 20 21 22 23 24 25

Ends Ends Ends Ends Ends Ends Ends

4/22 4/23 4/24 4/25 4/27 4/28 4/29

26 27 28 29 30

Ends Ends Ends Ends Ends

4/29 4/30 5/1 5/2 5/4

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 Rescission Calendar

May 2020
Sun Mon Tue Wed Thurs Fri Sat
1 2

Ends Ends
5/5 5/6

3 4 5 6 7 8 9

Ends Ends Ends Ends Ends Ends Ends

5/6 5/7 5/8 5/9 5/11 5/12 5/13

10 11 12 13 14 15 16

Ends Ends Ends Ends Ends Ends Ends

5/13 5/14 5/15 5/16 5/18 5/19 5/20

17 18 19 20 21 22 23

Ends Ends Ends Ends Ends Ends Ends

5/20 5/21 5/22 5/23 5/26 5/27 5/28

24 25 26 27 28 29 30
Ends 5/28
Holiday
Memorial Day Ends Ends Ends Ends Ends
31 Ends 5/28 5/29 5/30 6/1 6/2 6/3
Ends 6/3

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 Rescission Calendar

June 2020
Sun Mon Tue Wed Thurs Fri Sat
1 2 3 4 5 6

Ends Ends Ends Ends Ends Ends

6/4 6/5 6/6 6/8 6/9 6/10

7 8 9 10 11 12 13

Ends Ends Ends Ends Ends Ends Ends

6/10 6/11 6/12 6/13 6/15 6/16 6/17

14 15 16 17 18 19 20

Ends Ends Ends Ends Ends Ends Ends

6/17 6/18 6/19 6/20 6/22 6/23 6/24

21 22 23 24 25 26 27

Ends Ends Ends Ends Ends Ends Ends

6/24 6/25 6/26 6/27 6/29 6/30 7/1

28 29 30

Ends Ends Ends

7/1 7/2 7/3

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 Rescission Calendar

July 2020
Sun Mon Tue Wed Thurs Fri Sat
1 2 3 4
Holiday
Ends Ends Ends Independence
7/6 7/7 7/8 Day
Ends 7/8
5 6 7 8 9 10 11

Ends Ends Ends Ends Ends Ends Ends

7/8 7/9 7/10 7/11 7/13 7/14 7/15

12 13 14 15 16 17 18

Ends Ends Ends Ends Ends Ends Ends

7/15 7/16 7/17 7/18 7/20 7/21 7/22

19 20 21 22 23 24 25

Ends Ends Ends Ends Ends Ends Ends

7/22 7/23 7/24 7/25 7/27 7/28 7/29

26 27 28 29 30 31

Ends Ends Ends Ends Ends Ends

7/29 7/30 7/31 8/1 8/3 8/4

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 Rescission Calendar

August 2020
Sun Mon Tue Wed Thurs Fri Sat
1

Ends
8/5

2 3 4 5 6 7 8

Ends Ends Ends Ends Ends Ends Ends

8/5 8/6 8/7 8/8 8/10 8/11 8/12

9 10 11 12 13 14 15

Ends Ends Ends Ends Ends Ends Ends

8/12 8/13 8/14 8/15 8/17 8/18 8/19

16 17 18 19 20 21 22

Ends Ends Ends Ends Ends Ends Ends

8/19 8/20 8/21 8/22 8/24 8/25 8/26

23 24 25 26 27 28 29
Ends 8/26 Ends 8/27
Ends Ends Ends Ends Ends
30 31 8/28 8/29 8/31 9/1 9/2
Ends 9/2 Ends 9/3

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 Rescission Calendar

September 2020
Sun Mon Tue Wed Thurs Fri Sat
1 2 3 4 5

Ends Ends Ends Ends Ends

9/4 9/5 9/8 9/9 9/10

6 7 8 9 10 11 12

Ends Holiday Ends Ends Ends Ends Ends

Labor Day
9/10 9/11 9/12 9/14 9/15 9/16
Ends 9/10

13 14 15 16 17 18 19

Ends Ends Ends Ends Ends Ends Ends

9/16 9/17 9/18 9/19 9/21 9/22 9/23

20 21 22 23 24 25 26

Ends Ends Ends Ends Ends Ends Ends

9/23 9/24 9/25 9/26 9/28 9/29 9/30

27 28 29 30

Ends Ends Ends Ends

9/30 10/1 10/2 10/3

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 Rescission Calendar

October 2020
Sun Mon Tue Wed Thurs Fri Sat
1 2 3

Ends Ends Ends

10/5 10/6 10/7

4 5 6 7 8 9 10

Ends Ends Ends Ends Ends Ends Ends

10/7 10/8 10/9 10/10 10/13 10/14 10/15

11 12 13 14 15 16 17
Holiday
Ends Ends Ends Ends Ends Ends
Columbus Day
10/15 10/16 10/17 10/19 10/20 10/21
Ends 10/15

18 19 20 21 22 23 24

Ends Ends Ends Ends Ends Ends Ends

10/21 10/22 10/23 10/24 10/26 10/27 10/28

25 26 27 28 29 30 31

Ends Ends Ends Ends Ends Ends Ends

10/28 10/29 10/30 10/31 11/2 11/3 11/4

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 Rescission Calendar

November 2020
Sun Mon Tue Wed Thurs Fri Sat
1 2 3 4 5 6 7

Ends Ends Ends Ends Ends Ends Ends

11/4 11/5 11/6 11/7 11/9 11/10 11/12

8 9 10 11 12 13 14
Holiday
Ends Ends Ends Ends Ends Ends
Veterans Day
11/12 11/13 11/14 11/16 11/17 11/18
Ends 11/14

15 16 17 18 19 20 21

Ends Ends Ends Ends Ends Ends Ends

11/18 11/19 11/20 11/21 11/23 11/24 11/25

22 23 24 25 26 27 28
Holiday
Ends Ends Ends Ends Thanksgiving Ends Ends
11/25 11/27 11/28 11/30 Day 12/1 12/2
Ends 11/30
29 30

Ends Ends
12/2 12/3

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 Rescission Calendar

December 2020
Sun Mon Tue Wed Thurs Fri Sat
1 2 3 4 5

Ends Ends Ends Ends Ends

12/4 12/5 12/7 12/8 12/9

6 7 8 9 10 11 12

Ends Ends Ends Ends Ends Ends Ends

12/9 12/10 12/11 12/12 12/14 12/15 12/16

13 14 15 16 17 18 19

Ends Ends Ends Ends Ends Ends Ends

12/16 12/17 12/18 12/19 12/21 12/22 12/23

20 21 22 23 24 25 26
Holiday
Ends Ends Ends Ends Ends Christmas Ends
12/23 12/24 12/26 12/28 12/29 Day 12/30
Ends 12/29
27 28 29 30 31

Ends Ends Ends Ends Ends

12/30 12/31 1/2 1/4 1/5

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