When the Consumer Financial Protection Board (CFPB) was formed, it embarked on a project, known as “Know Before You Owe”, to improve mortgage customer experience by standardizing the information borrowers receive about a mortgage and empowering them to make better decisions. The project resulted in a significant revamping of the documents and new requirements to get them to consumers in advance of key milestones.The most recent initiative in this ongoing project is the eClosing Pilot announced by the CFPB on April 23, 2014. While paper copies are still an option, clearly the quickest, most convenient, and cost effective solution is to deliver documents to consumers electronically. But because of the personal information contained in the documents, normal methods, like email, are not an option. So how does a mortgage lender who wants to integrate electronic delivery and eSignatures into their lending workflow comply with “Know Before You Owe” requirements? Very carefully. There are a lot of moving parts and it helps to know what to look for.