Breastfeeding Shirts: A No-Nonsense Guide to What Works, What Costs, and What’s Marketing

A breastfeeding shirt is not a moral commitment. It is a piece of fabric engineered to let you feed a hungry human without stripping to the waist in a Target parking lot. That is the entire brief. Everything else — the modal blends, the “discreet” zippers, the brand names that sound like boutique law firms — is detail layered on top of one mechanical problem: how fast can you get a boob out without exposing your stomach to the ambient air of a Starbucks.

The US market for these shirts has split into three price universes. At the bottom, you have the $8–$15 rotation pieces from Old Navy, H&M, Target, and the Amazon alphabet soup of Ekouaer and Bearsland. In the middle, you have the $30–$45 workhorses from Kindred Bravely and Latched Mama. At the top, Seraphine and BOOB Design sit north of $70 and expect you to believe that organic cotton and a lift-up panel justify the jump. Sometimes they do. Sometimes you are paying for a hangtag.

This guide is built for the person who wants to buy three shirts, not thirty. It ranks the actual mechanisms, names the brands that hold up after ten washes, and explains the federal rule that protects you when an online order never arrives. No “game-changer” vocabulary. No pretending a piece of cotton is a spiritual experience.

What a Breastfeeding Shirt Actually Does (and What It Doesn’t)

A nursing shirt solves two problems at once: access and coverage. The access part is obvious. The coverage part is the one that gets undersold. When you lift a regular T-shirt to nurse, the hem rides up and your postpartum belly meets the room. A dedicated breastfeeding shirt either opens a panel at the chest or uses a double-layer construction that lets the outer layer lift while an inner layer stays down. The result is skin-to-skin contact where it matters and fabric where it doesn’t.

What it does not do is make breastfeeding painless, leak-proof, or invisible. A shirt will not fix a shallow latch. It will not stop milk from soaking through a bra if you wait too long between feeds. And it will not magically make you look like the filtered version of a maternity influencer who seems to be nursing in a linen field at golden hour. The shirt is a tool. A screwdriver does not make you a carpenter.

The fabrics matter more than the marketing. Cotton breathes and absorbs, which is why it dominates the budget tier. Modal and Tencel drape better and feel cooler against the skin, which is why Kindred Bravely and BOOB charge more. Spandex content — usually 5% or less — determines whether the shirt recovers its shape after you tug it open for the ninth time before lunch. A 100% cotton shirt with no stretch will fight you. A 95% cotton / 5% spandex blend will not.

The mechanical access point is the real differentiator. Everything else is taste. And the access hierarchy deserves its own section, because the wrong mechanism for your life is the fastest way to waste $40 on a shirt that stays in the drawer.

The Access Hierarchy: Zippers vs. Double Layers vs. Buttons

There are five access systems in the US market, and they are not interchangeable. Each one trades speed for coverage, or coverage for speed. The marketing language blurs them together. Your actual nursing schedule will not.

Side or front zippers are the fastest one-handed option. A hidden zipper runs along the side seam or diagonally across the chest, and you pull it open with a single downward motion. Nursing Queen built a following on this mechanism. The advantage is speed: you can open it with the baby already in one arm. The disadvantage is that zippers can snag on a nursing bra strap, and the pull tab sits exactly where a baby’s cheek rests. If the zipper is plastic and cheap, it will fail. If it is a YKK-style metal zip, it will outlast the shirt. The difference in feel is immediate.

Double-layer lift-up panels are the most common system in the budget and mid-tier. An outer layer lifts, an inner layer stays put, and you feed through a vertical or horizontal opening. Bearsland and Ekouaer use this almost exclusively. It is comfortable and cheap to manufacture. It is also slower than a zipper because you need two hands to separate the layers the first few times. After a week, you figure out the fold. After a month, you can do it in the dark. The double layer is the Honda Civic of nursing access: unglamorous, reliable, and cheap to replace.

Button-down fronts are the slowest per feed and the most versatile afterward. A standard button-down shirt — not a dedicated nursing top — lets you unbutton from the top or the middle, pull the flap aside, and nurse. It doubles as a pumping shirt if you skip the center button. It also looks like a normal shirt, which matters if you are going back to an office or a video call. The trade-off is time: four buttons is roughly six to ten seconds of fumbling with one hand, which is an eternity when a newborn is screaming. The workaround is to leave the middle buttons undone and wear a nursing tank underneath. That combination — button-down over tank — is the most common real-world solution among moms who return to work before six months.

Clip-down straps are the tank-top and camisole mechanism. A small plastic clip at the shoulder releases the strap and the front panel drops down. H&M’s three-pack nursing tanks use this, as do many Target and Old Navy tanks. It is fast — one hand, one clip — but the coverage is thinner and the strap hardware can dig into the shoulder after a long feed. Clip-downs are best as a base layer under a looser shirt, not as a standalone public-facing garment.

Wrap and surplice fronts are the premium fashion option. Seraphine and HATCH use wrap constructions that open at the chest without hardware. They look the most like “real clothes” and the least like nursing apparel. They are also the slowest to open and the easiest to stretch out of shape if you yank them. A wrap top is a dinner reservation shirt, not a three-times-a-night shirt.

Here is the uncomfortable truth the brands do not print on the hangtag: most people end up with a mix. Two double-layer tees for home and sleep, one zipper shirt for errands, one button-down for work, and a pack of clip-down tanks for layering. Buying seven of the same mechanism is how you end up with a drawer full of shirts that all fail in the same way.

The Shortlist: Best Breastfeeding Shirts by Real-World Use

This is not a ranking of “quality” in the abstract. Quality is a lattice of fabric weight, seam construction, shrinkage after washing, and how the access point behaves when you are tired. The shirts below are grouped by the job they do best. Prices are US retail as of the most recent publicly listed figures and will move with sales, which is the only certainty in this category.

Kindred Bravely Everyday Nursing Tee

Best for: all-day wear, discreet double-layer access, and a fit that does not scream “postpartum.” Price: $39.90 for a single tee, $39.96 for a two-pack on sale. Access: lift-up double layer.

Kindred Bravely is the brand that comes up most often when moms are asked what they actually rebuy. The Everyday Tee uses a modal-cotton blend that drapes instead of clings, and the double-layer opening is cut wide enough that you are not excavating for the nipple. The fabric is soft in a way that budget cotton is not, and it survives repeated washing without pilling into a texture resembling a worn-out tennis ball. The fit runs true to size for most, but the brand’s own sizing guidance suggests sizing up if you are between sizes or still carrying postpartum weight. The two-pack at $39.96 is the real value play: two shirts for the price of one, assuming you catch the sale that runs with suspicious frequency. It is not cheap. It is also not a shirt you will throw away after three months.

Bearsland 3-Pack Double-Layer Tees

Best for: building a cheap rotation that survives the first six months. Price: roughly $25–$35 for a three-pack on Amazon, depending on color and size. Access: double-layer lift-up.

Bearsland is the Amazon workhorse. The fabric is a cotton-spandex blend that feels thinner than Kindred Bravely but holds its shape better than the $8 shirts from fast-fashion sites. The double-layer opening is not as generously cut, which means you need two hands for the first few wears. After that, it softens. The three-pack is the point: you get a week’s worth of shirts for less than the price of one premium tee. The trade-off is consistency. Colors vary between batches, and the “black” has been known to arrive closer to charcoal. But for a shirt that will be covered in milk, spit-up, and whatever the baby had for lunch, consistency is a luxury. This is the shirt you keep in the diaper bag.

Nursing Queen Zip-Front Pullover

Best for: cold weather, one-handed access, and people who hate flaps. Price: mid-range; the Cowl Neck Pullover sits in the $45–$60 band depending on the retailer. Access: hidden side zippers.

Nursing Queen is the brand that made zippers respectable. The Cowl Neck Pullover uses a side zipper that opens from the bottom up, which means you can nurse without unzipping the entire front. The fleece-backed fabric is warm without being bulky, and the zipper pull is positioned so it does not dig into the baby’s cheek. The brand’s sizing is the weak point: multiple reviews note that it runs boxy through the waist and short through the torso, which is fine if you are layering but annoying if you are not. The zip mechanism is the fastest in this entire guide for one-handed use. If you have ever tried to open a double-layer tee while holding a squirming seven-month-old, you understand why that matters.

Seraphine Lift-Up Jersey Top

Best for: looking like you did not buy a “nursing shirt.” Price: $39–$89 depending on the style; the Lift-Up Jersey Top sits at the lower end. Access: lift-up panel, no visible hardware.

Seraphine is the brand that makes nursing clothes for people who have dinner reservations. The Lift-Up Jersey Top has a clean neckline, a fabric weight that reads as “real” rather than “maternity,” and an access panel that is genuinely invisible when closed. The trade-off is speed: the lift-up panel requires a two-step motion, and the jersey is soft enough that it can stretch out at the neckline if you pull it open by the collar. This is not a shirt for a screaming newborn in a parking lot. It is a shirt for a four-month-old who can wait ninety seconds while you find a chair. The price is the other trade-off. Seraphine sits in the premium band because of fabric and cut, not because the access mechanism is superior. You are paying for the look.

Ekouaer 3-Pack Ruched Tees

Best for: the absolute lowest-cost rotation that still functions. Price: roughly $28–$35 for a three-pack on Amazon. Access: double-layer flap with side ruching.

Ekouaer is the other Amazon giant, and the ruching along the sides is the feature that separates it from Bearsland. The ruching creates a visual break at the waist that is more forgiving on a postpartum belly, which is a small design choice with a large psychological payoff. The fabric is thinner than Bearsland’s and has a tendency to pill after eight to ten washes, according to long-term reviews. The double-layer flap is also cut narrower, which makes one-handed access harder. But at under $12 per shirt, the calculus changes. You are not buying a heirloom. You are buying a shirt that will absorb milk, vomit, and sweat for four months and then become a cleaning rag. For that job, it is overqualified.

BOOB Classic Short Sleeve

Best for: a single well-made tee that does not look like nursing wear. Price: $50–$70 depending on retailer and sale. Access: lift-up panel with a built-in support layer.

BOOB Design is the Swedish brand that BabyGearLab ranked as the best short-sleeve nursing top in its 2025 test, scoring highest on fit, comfort, and quality. The Classic Short Sleeve uses organic cotton with a touch of elastane, and the access panel is cut so that it lies flat when closed. The material is denser than Kindred Bravely’s modal, which means it holds its shape but feels warmer in summer. The price is the barrier. At $50–$70, it is a shirt you buy one of, not a pack. The built-in support layer — a shelf-like panel — is the feature that justifies some of the cost: it reduces the need for a separate nursing bra, which is one less piece of hardware to negotiate at 3 a.m. If you are buying one shirt to wear to a family event and then every day afterward, this is a defensible splurge. If you are buying a rotation, it is not.

Latched Mama Classic Crewneck

Best for: a relaxed fit that does not feel like a sack. Price: $35.97 for the final-sale crewneck; regular styles start around $12 on clearance and climb from there. Access: lift-up panel with a roomy cut.

Latched Mama’s whole identity is “comfortable without being frumpy,” and the Classic Crewneck delivers on the comfort half of that promise. The cut is relaxed through the body, which works well in the first six weeks when nothing fits and everything hurts. The fabric is a cotton blend that washes without shrinking dramatically, and the access panel is generous. The “without being frumpy” half is subjective. The crewneck is not a fashion shirt. It is a shirt that feels like a favorite sweatshirt that happens to open at the chest. At the sale price, it is a reasonable third or fourth shirt in a rotation. At full price, it competes with Kindred Bravely, which has a softer hand-feel. Buy it on sale. The brand runs frequent ones, and the final-sale section is where the value lives.

The Budget Rotation: Old Navy, H&M, Target, and Amazon

The cheapest functional breastfeeding shirts in the US are not a secret. They are at the same four places you buy everything else: Old Navy, H&M, Target, and Amazon. The difference between them is not quality in any meaningful sense. It is the return policy, the size consistency, and whether you can try the shirt on before you commit.

Old Navy is the most frequently mentioned budget source on parenting forums, and the reason is the sale cycle. Nursing tanks and tees regularly drop to $10–$12 during 50%-off events, and the online selection is dramatically better than what you will find in a physical store. The fabric is thin, the double-layer flaps are basic, and the sizing runs large. But at $10, the shirt does not need to survive a decade. It needs to survive until the baby starts solids. Old Navy’s return policy is also forgiving: 30 days for most items, and a longer window for loyalty members. If you are building a first rotation and you do not know what mechanism you prefer, buy two Old Navy shirts in different styles. You will learn what you hate for $20.

H&M is the better choice if you want something that looks less like loungewear. The MAMA Before & After two-pack of nursing tops is $22.99 on the US site, and the cotton jersey is softer than Old Navy’s standard knit. The clip-down tank three-pack is the other standout: easy-clip straps, soft jersey, and a fit that layers well under a button-down. The catch is availability. H&M’s nursing section is small and online-first; stores carry a fraction of it. Sizing is also inconsistent between styles, so read the reviews for the specific item rather than assuming your H&M size is universal.

Target is the wild card. The in-store nursing selection shrinks and expands with the season, and the Mossimo and Auden house brands have both produced functional nursing tanks at $15–$20. The advantage is the return policy: Target accepts returns on most clothing for 90 days, and the in-store return process is painless. If you are buying a shirt you are not sure about, Target is the lowest-risk place to experiment. The disadvantage is that the nursing-specific inventory is not always reliable. You may find three good tanks in July and nothing in October. Check online before you drive.

Amazon is the volume play. Ekouaer and Bearsland dominate the search results for “nursing shirts” and “breastfeeding t shirts,” and the three-packs are the best per-unit value in the category. The quality is variable between colors and batches, and the product photos are more optimistic than the actual fabric. But the return process is frictionless, and the review volume gives you a real sense of how the shirt behaves after washing. The rule for Amazon is simple: buy the three-pack, not the single. The per-shirt price drops by 40–50%, and you are not gambling much on a single color that might arrive looking like a different color.

Plus-Size Nursing Shirts: Brands That Actually Fit a 3X Body

Most nursing brands stop at XXL and call it inclusivity. A 2X is not a plus-size range. It is a slightly larger straight size. The brands that genuinely serve a 3X and 4X body are a shorter list, and the fit differences between them are significant.

Nursing Queen is the most consistent performer in plus sizes. The brand’s zip-front styles run up to 3X, and the fit is cut for a fuller torso rather than scaled up from a medium. The zipper mechanism is a particular advantage in plus sizes because it does not require the shirt to have a lot of stretch to work. Reviews from 3X customers specifically mention that the shirts fit well and function without gaping at the chest, which is the most common failure point in plus-size nursing tops.

Latched Mama also carries a meaningful plus-size range, and the relaxed cut works in its favor. The brand’s sizing philosophy is “roomy,” which means a 2X is genuinely a 2X and not a aspirational 1X. The trade-off is that the shirts can read as oversized on a smaller frame, but for a 3X body, oversized is usually preferable to undersized.

Kindred Bravely has extended its range in recent years, but the fit is still built on a straighter block. If you are between sizes, size up. The modal fabric has enough stretch to accommodate, but the double-layer opening can pull tight across a larger chest. It is a good shirt, not a plus-size-specific shirt.

The budget tier is where plus-size options collapse. Old Navy’s nursing line tops out at XXL in most styles, and H&M’s nursing range rarely goes beyond XL in the US. Target’s in-store plus-size nursing selection is inconsistent. For a 3X body on a budget, Amazon is the realistic option: Ekouaer and Bearsland both offer 3X and 4X in select styles, and the three-packs are the cheapest way to test a fit. The fabric is thinner, and the sizing is not always accurate, but the return process makes the experiment low-stakes.

Prints, Slogans, and Seasonal Novelties

The graphic-and-slogan corner of the breastfeeding shirt market is a separate economy. It runs on identity, humor, and the desire to make a visible statement about feeding a baby in public. The shirts are usually standard cotton tees with a screen-printed or DTG (direct-to-garment) design, and the nursing access is often a basic double-layer flap or a side zipper. The print is the product. The access is an afterthought.

Funny breastfeeding shirts are the largest subcategory. The jokes are predictable: “I make milk. What’s your superpower?” “Boob man” with an arrow. “Milk drunk.” The humor is not the point. The point is the social signal: this person is breastfeeding and is willing to talk about it. If you find the joke funny, the shirt works. If you find it exhausting, it will sit in the drawer. There is no quality hierarchy in novelty prints. A $25 Etsy shirt and a $15 Amazon shirt use similar blanks and similar print methods. The difference is the design and whether the seller discloses the shirt brand.

Awareness and advocacy shirts — “Normalize Breastfeeding,” “World Breastfeeding Week” designs, “Pro Breastfeeding” — are the other major cluster. These are worn at events, in photos, and on social media, and the print quality matters more because the shirt is often photographed. Look for DTG printing rather than heat-transfer vinyl. DTG ink sits in the fabric and survives washes; vinyl peels after a dozen cycles. A cheap vinyl print will look cracked in every photo you post, which defeats the purpose.

Seasonal shirts — Halloween breastfeeding tees with a pumpkin pun, Christmas shirts with a “Milk & Cookies” joke, Disney-themed nursing shirts — are the highest-risk purchases because the window to wear them is four to six weeks. The smart play is to buy them on clearance after the holiday or to buy a design that works outside the season. A Halloween shirt with a generic “Boo” print is wearable in October. A shirt that says “This Mama Is a Treat” is not wearable in November. Custom shirts — with a baby’s name or a due date — are the one category where paying a premium makes sense, because the personalization is the point and the shirt is often kept as a keepsake rather than worn into the ground.

Workwear and Button-Downs: Nursing Shirts That Survive a Video Call

Returning to work introduces a constraint that home shirts do not have: the shirt has to look professional when it is closed and function when it is open. A double-layer tee with a visible flap line fails the first test. A zipper shirt with a plastic pull tab that catches the light fails the second. The shirts that pass both tests are usually button-downs and well-cut wraps, and they are not always marketed as nursing shirts.

A standard button-down shirt — cotton poplin, oxford, or a wrinkle-resistant blend — is the most reliable workwear nursing shirt. Unbutton from the top, pull the flap aside, nurse or pump, rebutton. The coverage is better than a lift-up panel because the shirt opens vertically and the fabric falls back into place. The trick is to wear a nursing tank underneath, so you are not exposing your midriff when the shirt opens. This combination — button-down over a clip-down or double-layer tank — is the most common real-world solution for office workers and anyone who spends their day on Zoom.

Seraphine’s poplin nursing shirt and Cache Coeur’s invisible-zip poplin shirt are the dedicated options if you want the shirt to do the work without a tank. Both use hidden zips or lift-up panels behind a button placket, so the shirt reads as a normal button-down. The price is in the $80–$120 range, which is a lot for a shirt that will be worn for six to nine months. The alternative is to buy a regular button-down one size up and pair it with a nursing tank. The savings are substantial, and the look is indistinguishable to anyone who is not inspecting your placket.

For video calls specifically, avoid white. A white button-down shows every milk leak, and the contrast between the shirt and a nursing bra strap is visible even in a low-resolution feed. Navy, black, olive, and dark prints are more forgiving. The collar also matters: a stiff collar hides the line of a nursing tank strap; a soft, unstructured collar does not. If you are on camera for hours, a structured shirt over a tank is the least fussy setup.

The US Buyer Protection Reality Check

Online clothing purchases in the US are governed by a patchwork of federal rules and store policies, and the gap between the two is where people get burned. The federal baseline is the FTC’s Mail, Internet, or Telephone Order Merchandise Rule. If a seller does not state a shipping time, the law requires them to have a reasonable basis to believe they can ship within 30 days. If they cannot ship within the promised time — or within 30 days if no time was promised — they must offer you the choice of a delay or a full refund. That is the floor. It is not generous, but it is enforceable.

The rule that surprises people is the unordered merchandise provision. If a company sends you something you did not order, you are legally entitled to keep it as a free gift, and you do not have to pay for it or return it. This does not apply to a shirt you ordered and then decided you did not like. It applies to the random package that shows up with your name on it because a retailer’s system glitched. You are not obligated to fix their inventory error.

Return policies for clothing are set by the store, not by federal law. Most major retailers — Target, Old Navy, H&M, Amazon — accept returns on unworn clothing within 30 to 90 days, but the details vary. Final-sale items are usually non-returnable, and some retailers exclude nursing tanks and bras for hygiene reasons. The practical move is to screenshot the return policy at the time of purchase. Policies change, and a customer service rep in month three may not honor a policy that was live in month one. A screenshot is not paranoia. It is basic record-keeping.

Warranties on clothing are rare and usually meaningless. A shirt is not a laptop. If a seam splits after two washes, the remedy is a return or a chargeback, not a warranty claim. The exception is zippers: a failed zipper within 30 days is a defect, not wear and tear, and it is grounds for a return at every major retailer. If a zipper fails at week six, you are probably outside the window. This is why the zipper quality matters so much. A cheap zipper is a shirt with a built-in expiration date.

How We Picked (and What We Ignored)

The shortlist above is built on three inputs: published lab testing, aggregated customer reviews across multiple retailers, and the recurring recommendations that show up in parenting forums where people are not being paid to recommend anything. BabyGearLab’s 2025 nursing top test informed the BOOB and Nursing Queen picks; The Bump’s survey of 350 parents informed the Kindred Bravely and Latched Mama placements; the Amazon review corpus for Ekouaer and Bearsland was read for failure patterns, not star averages. A 4.5-star average with a cluster of “zipper broke after three weeks” reviews is a 3-star shirt with good marketing.

We ignored influencer rankings. We ignored “best of” lists that do not disclose testing methodology. We ignored brands that only sell through their own website and do not publish a return policy. We also ignored the word “game-changer,” which appears in approximately 94% of nursing shirt reviews and has lost all meaning.

The one subjective call is the budget tier. Old Navy, H&M, Target, and Amazon are not “better” than Kindred Bravely or Seraphine in any absolute sense. They are better at a specific job: filling a drawer with functional shirts for under $60 total. If your budget is $200, the calculus changes, and the mid-tier brands become the smarter buy because they survive longer and fit more consistently. The right shirt is the one that matches your actual life, not the one that wins an abstract quality contest.

Comparison Table: Price, Access, and Real-World Speed

FAQ

Do I actually need special breastfeeding shirts, or can I just lift a regular T-shirt?

You can lift a regular T-shirt, and many people do. The trade-off is coverage: a standard tee rides up and exposes your midriff and back. A nursing shirt opens at the chest while the hem stays down, which matters in public, at work, and in cold weather. If you only nurse at home, a regular tee and a nursing tank are sufficient. If you leave the house, one or two dedicated shirts reduce the friction.

What size should I buy for a postpartum body?

Start with your pre-pregnancy size in brands that use stretch fabrics (Kindred Bravely, Latched Mama), and size up in brands with structured cuts (Nursing Queen, Seraphine). If you are between sizes, size up. A shirt that is slightly loose is easier to nurse in than a shirt that is tight across the chest. Do not buy a full wardrobe in one size during the first two weeks; your body changes faster than the return window.

Are expensive nursing shirts worth it compared with the $10 options?

The $10 shirt is worth it if you need volume and do not know what mechanism you prefer. The $40 shirt is worth it if you have already figured out that you hate flaps and want a zipper or a softer fabric. The premium price buys fabric quality, seam construction, and a fit that does not look like maternity wear. It does not buy a better access mechanism. A cheap zipper opens as fast as an expensive one until it breaks.

How do I wash a nursing shirt without ruining the access panel?

Close every zipper and clip before washing. Wash in cold water on a gentle cycle and hang dry, especially for modal and cotton-spandex blends. The dryer is what kills the stretch and shrinks the double-layer opening. If the shirt has a vinyl print, turn it inside out and skip the dryer entirely. A nursing shirt that is washed correctly will outlast one that is tumble-dried by six months or more.

Can I use a breastfeeding shirt for pumping?

Zipper shirts and button-downs are the best pumping options because they open wide enough for a flange without requiring you to undress. Double-layer tees work if the opening is generous, but you may need to hold the outer layer out of the way. Clip-down tanks are the least convenient for pumping because the strap only releases one side. If you are pumping exclusively, a button-down over a pumping bra is the most efficient setup.

Do these shirts work for plus-size bodies, or do I need a specialist brand?

Most mainstream brands stop at XXL and do not fit a 3X body well. Nursing Queen and Latched Mama are the most reliable plus-size options because their patterns are cut for a fuller torso, not scaled up from a medium. Amazon’s Ekouaer and Bearsland offer 3X and 4X in select styles at a lower price, but the fit is less consistent. Buy from a retailer with a forgiving return policy and test one shirt before committing to a pack.

What if my online order never arrives?

Under the FTC’s Mail, Internet, or Telephone Order Merchandise Rule, a seller must ship within the time promised or, if no time is promised, within 30 days. If they cannot, they must offer you a delay or a refund. If the package never arrives and the seller stops responding, dispute the charge with your credit card issuer. Keep the order confirmation and any communication; the chargeback window is usually 60 to 120 days from the transaction date.