«The
current results do not exclude the possibility that the early dietary modification may affect the latter phase, and therefore it is extremely important to continue to follow the
study participants into the
final endpoint, which is the age
of ten years.
In addition, although the Closing Disclosure also performed better than the
current final TILA disclosure and RESPA settlement statement with respect to questions that did not require such comparison and merely required respondents to identify or understand the
final loan terms and costs, see Kleimann Quantitative
Study Report at 47 - 48, the Bureau believes that the consumer confusion that would
result upon receipt
of a disclosure three business days before consummation that is substantially different from that received at application would outweigh any such benefit.