The Fed's E-Sign Regulations: More Questions Than Answers


The Consumer Consent Rule under the Electronic Signatures in Global and National Commerce Act (E-Sign Act) place special restrictions on the use of electronic signatures in connection with certain consumer disclosures. This article explores the electronic disclosure amendments of the Federal Reserve Board in the context of the use of electronic disclosures by financial institutions under consumer protection regulations such as Reg B, Reg E, Reg M, Reg Z, and Reg DD.

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