Does anyone have procedures for returning payoff statements to third parties, when a Bank is NOT E-sign compliant.

I'm assuming best practice is regular mail.

Thank you in advance.

I'm not sure that E-Sign applies for the delivery of payoff statements to other creditors. E-Sign only applies to consumers. Unless I am missing something here?

The exact situation is when a consumer real estate transaction is being refinanced and the title attorney/company requests the payoff in the customer's name. Thank you.

In such a case, you would not be dealing with a consumer. You are sending the statement to a business. If that business agrees to receive the document electronically, that is all you need.

But to ask an even more basic question, what leads you to believe the payoff statement must be in writing?

Typically, it's the procedure used to request information by some of my Bank's third party title companies/attorneys.

Frosh -- See my response above.