You can provide the borrower with a toll free # to call to receive their disclosures or you can provide the details "at the time the borrower becomes obligated"
Section 232.6(a) requires a creditor to provide three categories of information to a covered borrower ‘‘at the time the borrower becomes obligated on the transaction or establishes an account for the consumer credit,’’ namely:
• A statement of the MAPR applicable to the extension of consumer credit;
• Any disclosure required by Regulation Z, which shall be provided only in accordance with the requirements of Regulation Z that apply to that disclosure; and
• A clear description of the payment obligation of the covered borrower, as applicable. A payment schedule (in the case of closed-end credit) or account opening disclosure (in the case of open end credit) provided pursuant to paragraph (a)(2) of this section satisfies this requirement.’’