The payment schedule must be presented orally as well. That's what is keeping us from just setting up a recording of the MAPR statement and providing a toll free number.

For those of you providing a toll free number, do you plan on tracking who actually calls and gets the oral disclosures or is providing a way for them to receive the disclosures enough?

Can we tell the payment schedule to the covered borrower at closing and provide the statement along with the toll free number to receive the statement orally??