e-Sign is purposely vague so tah the industry and technology can plot that path. Certainly this is a double-edged sword and you could fall on that sword easily.
If I were going to accept digital signatires on my mortgage docs, I would accept it on my Privacy disclosures and in theory, neither is more important than the other, unless required by law or code.
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Andy Zavoina
Opinions stated are not necessarily that of my employer.