I seem to remember a requirment for January 2014 whereas we would be required to provide the HUD SS to borrowers 2 or 3 days before closing. (even if they don’t ask) Did I imagine that? I can’t find any reference to that. We are trying to determine whether we need to implement E-Sign for that requirement alone.
It is in the proposed integrated mortgage disclosure rules. You can find the proposal at the CFPB’s website: https://www.consumerfinance.gov/regulations/#proposed. Once you’re in the document search for “integrated closing disclosure”. You should find what you’re looking for under proposed “Section 1026.38”.