Electronic Disclosures Authorization By applying for a loan on-line, you agree to accept all applicable disclosures associated with this transaction in an electronic form, including disclosures required by the Truth in Lending Act, Real Estate Settlement Procedures Act and Equal Credit Opportunity Act. Paper copies will be provided for certain real estate related contracts and transactions after your loan application is received including but not limited to copies of any Mortgage events such as foreclosures, short sales and bankruptcies that would affect  your ability to obtain a loan.