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.