Is it a requirement to have upfront disclosures, the TIL and GFE, signed at closing if the bank has sent them out within the required 3 business day time frame, and has maintained a record in the file that they were sent? We request the borrowers to sign the upfronts and return them, but often they do not and they sign them at closing. Does Reg Z or RESPA require the borrowers signature on these forms? We always provide a final TIL and have the borrowers sign that, along with any upfront docs that they have not returned with signatures, at closing. Is it necessary to have the borrowers sign all of these forms?