You have the
choice to redisclose the GFE when the fees are lowered. But it's really the TIL that needs to be redisclosed if the APR is changed by 0.125 or more and/or the finance charges are changed by more than $100.00
The only thing it says in the reg about getting the customer to sign is if you are charging them fees prior to consummation of the loan and then you have to have the customers intent to proceed with the loan request. Also all it says is that you need intent to proceed and not an actual signature. (How do you prove that the customer has intent to proceed without a statement or a signature though?) On top of everything else, there's no signature line on a GFE and there's been feedback stating NOT to make a signature line on a GFE.
If there is something in your policy that states otherwise, that might be what the auditor is referencing or if you've had prior prcatice of getting the redisclosed GFEs signed.
I could be wrong on this issue, I don't feel I'm too off on my answer though. I'm willing to see others input as well.