We are going to allow applications for loans to be submitted online. The applicant will recieve the disclosures online and will be required to indicate that they have recieved and read such disclosures. The loan will be closed in person. At that time should the lender, or should I say, is the lender required to have the customer sign a copy of the disclosures that the applicant recieved at application time? I'm especially concerned about the consumer credit insurance disclosure.

Thanks for your help!