---
title: TRID Changed Circumstances & Section C
description: The key to bank compliance is to step back and look at the full picture. TRID, Lending, Bankers, and Credit Unions.
---

[Banker's Compliance Consulting Blog ](https://blog.bankerscompliance.com/en)

# [TRID Changed Circumstances & Section C](https://blog.bankerscompliance.com/en/trid-changed-circumstances-section-c)

 Written by [Jerod Moyer](https://blog.bankerscompliance.com/en/author/jerod-moyer) | Oct 18, 2023 4:23:52 PM

On the Loan Estimate, Section C, “Services You Can Shop For,” has a 10% tolerance level (assuming a provider on your list is used). In other words, the fees for items disclosed in that section cannot increase by more than 10%. But what if there is a changed circumstance or even multiple changed circumstances that occur and take you over that 10% threshold? Well, the key is to look at those items collectively and not each individual item. When valid changed circumstance(s) cause those items to collectively exceed 10%, you have three business days to issue a revised Loan Estimate.

Jerod explains more in the video.

Video Highlights:

- Items disclosed in [Section C](https://www.consumerfinance.gov/ask-cfpb/what-required-mortgage-closing-services-can-i-shop-for-en-154/) of the [Loan Estimate](https://www.consumerfinance.gov/owning-a-home/loan-estimate/) cannot exceed the 10% tolerance.
- Valid changed circumstance(s) may allow tolerances to be reset.
- Once increases collectively exceed the 10%, a revised Loan Estimate can be issued within three business days.

Published  
2023/10/18

 

[View full post](https://blog.bankerscompliance.com/en/trid-changed-circumstances-section-c)

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