Our implementation team has been discussing ways to "prove" delivery of the LE and CloD in order to speed up the "3/6" day time frame.
One option is to overnight the disclosures via Fed Ex, UPS, etc. If we choose to overnight or courier the disclosures and obtain a confirmation of delivery (i.e. delivered on 6/10/15 and signed for by applicant John Doe), can the bank pass the delivery / courier fee on to the consumer? And if so, which box / section would the fee be listed on the LE and CloD?
In the old days we couldn't charge a fee to prepare the GFE, but not sure about this sort of fee.