Starting July 30 we will have to work around new TIL (Truth in Lending) requirements and other provisions driven by the HERA (Housing  and Economic Recovery Act.  Be on the watch for changes to your loan or real estate transaction that could impact your closing date.  This HERA requires new timing requirements for disclosure and redisclosure to homebuyers and addresses the timing of when fees can be charged.  Going to be rough for the larger companies to start.