Imagine seeing a thread sticking out of your shirt right now. You pull on it real hard to yank it out, but you just pull out more thread. So you keep pulling — more thread. Soon, your entire shirt has unraveled. This shirtless, fictional you isn’t too dissimilar to what’s happening to the loan closing process if the line numbering is changed as it is proposed to be in the final rule proposal from the Consumer Financial Protection Bureau (CFPB).