In 16 years managing a compliance program, I can only remember a handful of times when we allowed a waiver of ROR. When there's a waiver, the borrower's attorney (later, after the loan goes sour) can go to court alleging that the consumer never understood what s/he waived. There's also the possibility that the borrower's handwritten explanation of the "bonefide financial emergency" (your only evidence of the basis for approving the waiver) is insufficiently detailed to convince the court that there was truly a "bonefide financial emergency." A sympathetic judge might toss the waiver, allow delayed rescission, and cost you a lot of money.
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...gone fishing.