Today marks Reg. Z's 36th birthday - making it older than many of the bankers who struggle to understand and comply!
During this amazing lifespan, disclosure production has gone from manual (using tables to compute APRs and carbon paper to produce copies) to sophisticated front-end systems with disclosure document generators. The next step would appear to be a web-based disclosure generator (calculate the TIL values on a server, obtain ESIGN consent, and email the result.) Is anyone there yet?