Can you please confirm that the following scenerio requires a demonstrable consent?

Loan application is downloaded from bank's website. Customer prints, completes and returns to bank in paper form. Bank has the option of providing application-related disclosures in electronic form via secure site. Before the bank provides the electronic disclosures it must comply with the Esign requirements, and obtain a consent, correct?

Thank you!

Basically yes. Delivering the app electronically isn't the collection of any information.

Some, or perhaps many, of the disclosures that you may want to make in response to that application that are required to be "in writing" would require E-SIGN acceptance.

Documents that do not have to be in writing wouldn't and some exemptions from E-SIGN disclosures do exist. Again, most triggered disclosures would not fall in this category.

You can deliver your disclosures in typical written form. One issue to watch with the delivery of applications, such as for an ARM, require disclosures to accompany the application.