E-Sign Compliance: Getting It Right with Digital Disclosures and Authorizations

Event Description

As financial institutions increasingly shift to digital communications and remote account opening, compliance with the Electronic Signatures in Global and National Commerce Act (E-SIGN Act) is more important than ever. From loan agreements to account disclosures and consent forms, institutions must ensure they meet the legal requirements for obtaining valid electronic signatures and delivering required information electronically.

This webinar will demystify the E-SIGN Act and its intersection with consumer compliance regulations such as Reg E, Reg Z, and Reg DD. You’ll learn what disclosures must be provided upfront, how to obtain demonstrable consent, and what traps to avoid when switching from paper to digital processes. Ideal for compliance officers, operations managers, and digital banking teams.

Key Takeaways:

• Understand the legal framework of the E-SIGN Act and what it permits (and doesn't).

• Learn how to properly obtain affirmative consent for electronic delivery of disclosures.

• Review timing requirements for providing disclosures under Reg E, Z, and DD in a digital context.

• Explore best practices for record retention, audit trails, and ensuring documents are accessible and reproducible.

• Discover common pitfalls that can invalidate electronic disclosures or trigger compliance violations.