The three-day rule applies to business days, including Saturdays. But Sundays and Nationally recognized holidays do not count. This means you may technically have more than three days before closing to review the document. If you are closing on Friday, the lender must have the closing disclosure to you by the preceding Tuesday. This gives you three consecutive days to review the document before closing. However, If you are closing on Tuesday, you are to receive it on the preceding Friday. In this case, you technically have four days to review the document before closing, but only three days count as part of the three-day rule. If a holiday lands on any day other than Sunday within the period, this must be factored into the timeline. For example, if you are closing on a Friday, but a holiday lands on Wednesday, you will receive the closing disclosure by the preceding Monday instead of Tuesday.