This course provides mortgage professionals with a practical understanding of the Electronic Signatures in Global and National Commerce Act, commonly known as the E-Sign Act, and how it applies to electronic disclosures and electronic signatures in mortgage lending.
Because the mortgage process increasingly relies on eDisclosures, online applications, remote acknowledgments, and digital document delivery, lenders must ensure that borrowers receive required disclosures properly and that electronic signatures remain legally valid and enforceable.
Participants will learn the core requirements of borrower consent, electronic delivery standards, record retention, and compliance responsibilities. The course also highlights common operational risks and best practices for using electronic systems while protecting borrower rights and maintaining regulatory compliance.

Learning Objectives

By the end of this course, learners will be able to:
•    Explain the purpose of the E-Sign Act and why it matters in mortgage lending.
•    Define what makes an electronic signature legally valid under federal law.
•    Identify when borrower consent is required for electronic disclosures.
•    Describe the consumer disclosure requirements for electronic delivery.
•    Explain record retention standards for electronic mortgage documents.
•    Recognize common E-Sign compliance pitfalls and risks.
•    Apply best practices for compliant eDisclosures and eSignatures in daily mortgage operations.