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#2138099 - 07/14/17 02:23 PM email notice
Burgess Offline
Diamond Poster
Joined: Jan 2004
Posts: 1,621
just checking myself.
I have said that while it is ok to email the appraisal notice...it has to be done esign compliant.
agree?
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My views, not my employer's views.

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Interagency (Reg Z) and CFPB Reg B Appraisal Rules
#2138109 - 07/14/17 02:38 PM Re: email notice Burgess
rlcarey Offline
10K Club
rlcarey
Joined: Jul 2001
Posts: 83,350
Galveston, TX
Yes, unless provide with an electronic application form:

1002.4(d)(2) Disclosures in electronic form. The disclosures required by this part that are required to be given in writing may be provided to the applicant in electronic form, subject to compliance with the consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act (E-Sign Act) (15 U.S.C. 7001 et seq.). Where the disclosures under §§ 1002.5(b)(1), 1002.5(b)(2), 1002.5(d)(1), 1002.5(d)(2), 1002.13, and 1002.14(a)(2) accompany an application accessed by the applicant in electronic form, these disclosures may be provided to the applicant in electronic form on or with the application form, without regard to the consumer consent or other provisions of the E-Sign Act.
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The opinions expressed here should not be construed to be those of my employer: PPDocs.com

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#2140518 - 08/02/17 07:01 PM Re: email notice Burgess
Likes to Comply Offline
Diamond Poster
Joined: Nov 2008
Posts: 1,109
In the mountains
We provide the appraisal disclosure with the application. If the application with appraisal disclosure is emailed to the applicant, would E-Sign still be applicable? While not accessing it from our website, they are still accessing the application with appraisal notice in an online, electronic manner...
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#2140796 - 08/04/17 02:36 PM Re: email notice Burgess
John Burnett Offline
10K Club
John Burnett
Joined: Oct 2000
Posts: 40,086
Cape Cod
E-SIGN would not be applicable in that situation, Likes to Comply.
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8

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