Told by whom? If it's the title company, they work for you and have no right to tell you that you must do anything. The ultimate responsibility for the Closing Disclosure lies with your bank so I would be extremely hesitant about exporting my bank's data anywhere. You have to decide if you want to prepare the CloD or let someone else do it. At the very least, I would insist that the bank must review and approve every CloD prior to it being sent out.