Because if the borrower has agreed to E-Sign through Encompass, then all documents have to be delivered through the same E-Sign system. I doubt that the Encompass E-Sign system is just a secured e-mail through your separate e-mail server. How do you track delivery through just your secured e-mail? I am sure Encompass provides tracking and documentation of what was sent.
i. For purposes of this timing requirement, "provide" means "deliver." Delivery occurs three business days after mailing or delivering the copies to the last-known address of the applicant, or when evidence indicates actual receipt by the applicant, whichever is earlier. Delivery to or actual receipt by the applicant by electronic means must comply with the E-Sign Act, as provided for in § 1002.14(a)(5).
The opinions expressed here should not be construed to be those of my employer: PPDocs.com