E-sign has not changed anything in this area. It may have increased an awareness. Document imaging is more of what you are discussing even though E-sign allows e-retention, but does so because paper doesn't need to exist.
In most cases imaged documents are enforceable. For that reason many banks are looking at saving the expense of paper retention.
Someone who has studied this form of retention more could better address this. I have reviewed materials and opinions, but nothing in a regulatory sense.
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AndyZ CRCM
My opinions are not necessarily my employers.
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Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell