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?

Up bright and early and kicking off the birthday party early I see. Unfortunately I'm not one of the struggling bankers you referenced - I appear to be a little older than Reg Z

Richard - I didn't mean to infer that I didn't struggle - as you know I do. I was more focused on the age thing!

Unfortunately, I'm not struggling with the age difference either. I had my first introduction to Reg. Z in 1974 when I went to work for Commercial Credit Corporation in Rolla, MO at the ripe old age of 23.

I forgot to add that Reg. Z was born in the year I graduated high school. I didn't know about its birth and in some ways I wish I still didn't. But it is job security for some of us. Or is it?