I've just performed a thread search for information related to CDARS and see that a number of you have been offering this product for several years. I saw my question posted, but never really saw an answer. Is a TIS disclosure (and maturity notice) required for consumer accounts opened through CDARS and who would be responsible for the disclosure? The "relationship" bank or the bank ultimately receiving the deposit? I saw the most of the TIS required items are discussed in the customer agreement, but it didn't seem complete. Also...what about CIP? The Placement Request had a bit of the required information...but again, not all of it. And are you giving privacy notices?