If you are complying with the special oral disclosure requirements for telephone-conducted remittance transfer requests in section 1005.31(a), you can send the (b)(2) disclosure in accordance with the (e)(2) timing requirements. The (b)(2) disclosures include evidence of the sender's payment for the service.
The combined disclosure includes all the (b)(2) disclosures except for the evidence of payment, which has to be provided.
So my question back to you is, what benefit do you anticipate by sending a combined disclosure?
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8