I'm reading some of the proposed regulations and sometimes I see: "permits creditors to use electronic mail" and other times I see "disclosures may be provided in electronic form, subject to compliance with the consumer consent and other applicable provisions of the E-SIGN Act."

QUESTION:
If the reg simply says 'electronic mail' does that mean in compliance with E-SIGN OR can we e-mail disclosures without considering E-SIGN ?

Thank you for assistance.