Are you referring to the Credit Disclosure required by Consumer Protection in Sales of Insurance. The regulation requires that the bank retain a signed copy (or make reasonable effort to obtain a signed copy) and provide the applicant with a copy to keep. So if you place it on the application form, you would have to remember to give the applicant a copy of the application. We have the disclosure actually on the application form so that when the applicant signs the application, we have a signed copy to keep. But with the application form is a second stand alone copy of just the disclosure (no signature lines) and the lender gives that copy to the applicant for the appicant's copy to keep.
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