Because so many email clients do not provide reliable read receipts, the consensus on this question is that the consumer should actively acknowledge receipt of the disclosures. That acknowledgment could take the form of a simple, consumer-generated message, "Got it. I'll call if I have any questions." It could even be a phone call (you'll need an annotation in the file). But it should be something initiated by the consumer, not by the gremlins in an email program.
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8