Under RESPA, how long must the Closing Disclosure and related servicing documents be retained?

Correct answer: 5 years after consummation

RESPA and TRID require Closing Disclosures to be retained for 5 years after consummation. This longer period (vs. 3 years for the Loan Estimate) reflects the CD's role as the definitive record of loan terms, costs, and closing details. Servicing documents related to the CD are also subject to 5-year retention. This is one of the most-tested retention periods because students frequently confuse it with the LE's 3-year requirement.