A couple of questions regarding how others are handling specific info/error resolution situations:

1. Do you treat "online chat" as verbal or written and follow the notice requirements?

2. The reg. indicates you have to follow the rule if the request if received by the borrower or borrower representative. It doesn't look like "borrower representative" is defined. If you receive a request from a title company, how do you treat those?

Any thoughts would be appreciated.