in the circumstances set forth in those sections
Review 1026.40(a)(3) and its OSI.
5. Form of electronic disclosures provided on or with electronic applications. Creditors must provide the disclosures required by this section (including the brochure) on or with a blank application that is made available to the consumer in electronic form, such as on a creditor's Internet Web site. Creditors have flexibility in satisfying this requirement. Methods creditors could use to satisfy the requirement include, but are not limited to, the following examples (whatever method is used, a creditor need not confirm that the consumer has read the disclosures):
A telephone application is not an electronic application.
The opinions expressed are mine and they are not to be taken as legal advice.