What is the delivery timeframe for a combined notice of servicing transfer?

The correct choice indicates that the combined notice of servicing transfer must be sent no later than the effective date of the transfer. This aligns with regulatory requirements, which stipulate that borrowers should receive timely information regarding changes in their loan servicing to ensure they are aware of whom to remit their payments and how to reach their new servicer. Sending the notice on or before the effective date ensures that the borrower is informed right at the point when the change occurs, thereby reducing confusion and potential issues related to payment processing.

In the context of other options, options that suggest sending the notice too far in advance may not provide the necessary immediacy for borrowers, while choices indicating sending after the effective date do not comply with regulations that prioritize borrower awareness and communication. Thus, the requirement for timely notifications is crucial for ensuring a smooth transition during servicing transfers.