While reviewing our bank's procedures for providing discosures on consumer loans for which the consumer may purchase credit life insurance, we found that the disclosures are only being provided on non real estate related loans.

I can't find anything that says that real estate loans are excluded from receiving disclosures. To me, it seems like we would be required to provide both the Insurance Disclosure and the Credit Disclosure to consumers who apply for any loan for which credit life is offered. Is this correct?

Thanks in advance for any help provided!

We do not provide the disclosures for real estate loans because we don't sell credit life on real estate loans.

If your bank does offer credit life on real estate loans then the disclosure is required to be provided to the applicant(s).