Skip to content
BOL Conferences
Thread Options
#2160348 - 01/12/18 05:37 PM TRID Disclosures and Esign
swiggles Offline
Power Poster
swiggles
Joined: Aug 2001
Posts: 7,351
We are just now initiating an Esign program (through software) for mortgage disclosures. So here is my scenario.

The husband submitted the application to the bank but he provided his wife's date of birth and social security number incorrectly. The DOB and the SS# are keys to being able to retrieve and open the disclosures. So the wife was unable to open her disclosures. We now know her correct information (DOB/SS#) and are resending the disclosures.

So.....do we now just re-send the LE that is dated three days ago? And since we are providing hers late (more than 3 days), do we have a TRID violation?
_________________________
The more you sweat in training, the less you bleed in battle.......

Return to Top
TRID - TILA/RESPA Integrated Disclosures Rule
#2160352 - 01/12/18 06:05 PM Re: TRID Disclosures and Esign swiggles
Dan Persfull Offline
10K Club
Dan Persfull
Joined: Aug 2002
Posts: 47,517
Bloomington, IN
The LE only has to be provided to one of the applicants. You should however resend the appropriate documentation for proper demonstrable consent for receiving documents electronically.
_________________________
The opinions expressed are mine and they are not to be taken as legal advice.

Return to Top
#2160359 - 01/12/18 06:47 PM Re: TRID Disclosures and Esign swiggles
swiggles Offline
Power Poster
swiggles
Joined: Aug 2001
Posts: 7,351
Oh...never thought about looking that up! Thanks!
_________________________
The more you sweat in training, the less you bleed in battle.......

Return to Top