I recently came across a loan file in which the date of the borrower signature on the early disclosures have been stamped in with a rubber stamp, instead of written in by the borrower. Is this an acceptable practice?

don't take my word as fact, but if it is a problem, then ALL the files in my bank are in trouble. We rubber stamp everything.

Since no signature or date are required on the early disclosures, there are no violations of the regs requiring delivery of these documents.

At one time, we had a disabled customer who could not sign his name and so signed everything with a rubber stamp of his signature. That was back in the day, but it seems like we had some sort of agreement to say that if someone stole and used his stamp, it was his problem. Who knows what was kosher "back in the day?".....when we could obligate someone with a "promise to pay" executed on a paper sack or a napkin.