How do I create a rule for a form where the user must submit it by a time relative to a date they select on the form?

I'm trying to create a request form where the user must submit a request for a permit by 1pm the day before the permit goes into effect. They select the date of the permit on the form. If the time they are submitting the request is after 1pm the day before that date, I don't want them to be able to submit the form, and I want them to see a message stating why. I can't figure out how to create this rule or if it's even possible.