RPost

We’re not just securing email and e-signing.

We’ve been helping speed residential real estate transactions while shielding buyers from financial uncertainties.

And we’ve been doing it with them since 2000.

Email Proof of Delivery for TRID Compliance and Legality in the United States

  • Court Admissible

Yes.

  • Registered Email Service

Relied upon in the United States for truth in lending (TRID) compliance.

  • Geography

Each of the United States.

  • Recommended Service

Registered Email™ certified email proof of delivery for residential real estate lending notices.

Common Use

Registered Email™ services are commonly used within the residential real estate sector to prove compliance with required notices centering on truth in lending disclosures for residential home loans.

Watch full video of Brandon Haines discuss RMail at Optimize!2020.

opening quote

The RMail and RSign feedback has been great. Everyone wants to use these products. The senior-level attorneys are always going to use RPost if they send anything out…The fact that RMail is going to be integrated with cleanDocs is going to encourage more use.

closing quote
Branden Haines, CTO at Dickinson Law

Brandon Haines

CTO, Dickinson Law

Legal Aspects

Richard Horn led the final TRID rule while a Senior Counsel & Special Advisor in the Consumer Financial Protection Bureau’s Office of Regulations. Horn concluded that the RPost Registered Email™ service and its Registered Receipt™ email proof of delivery record can satisfy the record retention requirements under the TRID rule with respect to the delivery of the TRID disclosures.

Consumer Real Estate Lending Transactions:

The TRID rule permits electronic delivery of the TRID disclosures in compliance with the ESIGN Act.  The Registered Receipt™ email has the capability to authenticate and accurately reproduce the original e-mail and attachments, including any attached disclosures, which satisfies the ESIGN Act’s retention and accurate reproduction requirements.  Accordingly, as the Registered Receipt™ email can be provided to third parties and used to authenticate the content and attachments to the e-mail, creditors can retain the e-mail to enable access to parties entitled to access to such records for the period required by law, which satisfies the ESIGN Act’s access requirements.  In addition, the Registered Receipt™ email can provide evidence of the date of delivery of the e-mail.  Thus, the Registered Receipt™ email should generally enable creditors to satisfy the record retention requirements under the TRID rule with respect to the delivery of the TRID disclosures. To request a review of this report, please contact RPost.

Laws Referenced

TRID is the TILA / RESPA Integrated Disclosure Rule. TILA is the Truth in Lending Act and RESPA is the Real Estate Settlement Procedures Act. ESIGN is the United States Electronic Signatures in Global and National Commerce Act, a federal law enacted in 2000 that largely preempts inconsistent state law, and the United States state-based Uniform Electronic Transactions Act (UETA), a uniform state law that was finalized by the National Conference of Commissioners on Uniform State Laws in 1999.

Discalimer: Neither nor its affiliates provide legal opinions. The information on RPost and its affiliates and products websites is for general information purposes only and is not intended to serve as legal advice or to provide any legal opinions. Laws and regulations change from time to time and neither RPost nor its affiliates guarantee that all of the information on RPost and its affiliates websites are current, correct, or with sufficient detail for the purpose of each reader. You should consult your legal counsel for specific jurisiction and issues.
Tradenames are owned by the named company. Service benefit is summary, not intended to be a case study.​ RPost technology is patented. RMail, RSign, and RPost are trademarks owned by RPost.