If you have a borrower and a co-borrower and the primary borrower e-consented for electronic disclosurers in the 3 day timeframe but the co-borrwer did not consent in that time frame, is this a voilation if the disclosures were not sent to the co-borrower by mail? Can you assist in where I can find the regulatory requirements for this. Help is appreciated.

Still looking for help on this matter.. Thanks All

is this a voilation if the disclosures were not sent to the co-borrower by mail?

7001(c) requires the consumer to consent and if the co-borrower/consumer did not consent then you have to provide them with the required written disclosures. If you do not then you would be in violation of the specific disclosure requirement you are referring to if the co-borrower/consumer is entitled to a copy of that disclosure.

Thank you Dan that confirms my thoughts on this, Appreciate your help

The regulatory requirements that matter most are the specific sections of Regs. B & Z, RESPA, flood, and any other applicable reg that require you to deliver one or more disclosures "in writing." That's where you are exposed to penalties. ESIGN is part of the total picture, but it has no penalties.