We made a permanent construction loan to a couple. The husband owns his own construction business and will be building the home on his own in between his normal jobs. The loan officer failed to provide any of the early disclosures. It appears that the loan would be covered under Reg Z and RESPA since it is consumer purpose and permanent long term financing. The only thing I could think of is that the officer didn't provide the disclosures because RESPA states that there is an exemption for bonafide contractors. I interpret that to mean for contractors building homes to sell and such, not this case. Does anyone know any different or if this loan was disclosed on properly?