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#2304303 - 12/18/24 06:16 PM E-Sign exceptions - computer or mobile enrollment?
Compliance Poster Offline
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Joined: Sep 2001
Posts: 456
In the FDIC’s Examination Manual on the E-Sign Act, it discusses the final rules in 2007 establishing standards for the electronic delivery of disclosures under Regulations B, E, M, Z, and DD. It states “There are exceptions to the consumer consent requirement for electronically providing certain types of disclosures when the consumer is using electronic means such as a home computer.” I assume this is referring to some of the exceptions in Reg Z and B. But is there any E-Sign exceptions when delivering Regulation E disclosures relating to home computer or mobile banking if electronically providing those disclosures when enrolling via home computer or mobile device? I couldn’t find any, but will you please confirm it for me?

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eBanking / Technology
#2304318 - 12/18/24 08:17 PM Re: E-Sign exceptions - computer or mobile enrollment? Compliance Poster
rlcarey Offline
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rlcarey
Joined: Jul 2001
Posts: 85,239
Galveston, TX
Those regulations (pre-E-Sign) had specific requirements built into them for electronic delivery of disclosure, etc. THose provisions were repealed when E-Sign was passed. You are just left with E-Sign now.
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