E-SIGN applies when a federally required document needs to be in writing. In the case you described, I'm not sure that it is "required" by law but at the end of the day, you have no idea if your consumer authorized that in any way. The decision is yours on what you want to do to verify it.
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AndyZ CRCM
My opinions are not necessarily my employers.
R+R-R=R+R
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell