E-SIGN applies when you are making disclosures that are required by (federal) law and you are substituting bits and bytes for paper.
If this is a required copy of loan document, E-SIGN applies and that means demonstrable consent if these are consumers. Commercial customers are different.
I would caution against email unless these are encrypted. You might me able to deliver these via internet banking instead. Then you have a secured environment vs. email. An email might say they're available, but logon credentials are needed for access.
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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