If the bank wants to send an email to clients as a "friendly notification" or "service message" informing the client that a "hold has been placed on their deposited item", would this email serve as the "notice" required under 229.13(g) Notice of Exception and therefore have to include the information that is required under 229.13G)(1)(i)A-E? and also require consent per esign

It won't serve as the written notice that's required unless you and the customer have done the E-SIGN dance. Of course that means if you email the customer without having done the E-SIGN thing, you'll also have to send the written notice required under the regulation.

If you send both the required written notice and the email courtesy alert, you don't have to adhere to the list of required info when sending the alert.

Thanks John!