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House Hearing, 107TH Congress - Esign: Encouraging The Use of Electronic Signatures in The Financial Services Industry
House Hearing, 107TH Congress - Esign: Encouraging The Use of Electronic Signatures in The Financial Services Industry
House Hearing, 107TH Congress - Esign: Encouraging The Use of Electronic Signatures in The Financial Services Industry
HEARING
BEFORE THE
SUBCOMMITTEE ON
DOMESTIC MONETARY POLICY, TECHNOLOGY,
AND ECONOMIC GROWTH
OF THE
(
U.S. GOVERNMENT PRINTING OFFICE
73743 PS WASHINGTON : 2001
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HOUSE COMMITTEE ON FINANCIAL SERVICES
MICHAEL G. OXLEY, Ohio, Chairman
JAMES A. LEACH, Iowa JOHN J. LAFALCE, New York
MARGE ROUKEMA, New Jersey, Vice Chair BARNEY FRANK, Massachusetts
DOUG BEREUTER, Nebraska PAUL E. KANJORSKI, Pennsylvania
RICHARD H. BAKER, Louisiana MAXINE WATERS, California
SPENCER BACHUS, Alabama CAROLYN B. MALONEY, New York
MICHAEL N. CASTLE, Delaware LUIS V. GUTIERREZ, Illinois
PETER T. KING, New York NYDIA M. VELA ZQUEZ, New York
EDWARD R. ROYCE, California MELVIN L. WATT, North Carolina
FRANK D. LUCAS, Oklahoma GARY L. ACKERMAN, New York
ROBERT W. NEY, Ohio KEN BENTSEN, Texas
BOB BARR, Georgia JAMES H. MALONEY, Connecticut
SUE W. KELLY, New York DARLENE HOOLEY, Oregon
RON PAUL, Texas JULIA CARSON, Indiana
PAUL E. GILLMOR, Ohio BRAD SHERMAN, California
CHRISTOPHER COX, California MAX SANDLIN, Texas
DAVE WELDON, Florida GREGORY W. MEEKS, New York
JIM RYUN, Kansas BARBARA LEE, California
BOB RILEY, Alabama FRANK MASCARA, Pennsylvania
STEVEN C. LATOURETTE, Ohio JAY INSLEE, Washington
DONALD A. MANZULLO, Illinois JANICE D. SCHAKOWSKY, Illinois
WALTER B. JONES, North Carolina DENNIS MOORE, Kansas
DOUG OSE, California CHARLES A. GONZALEZ, Texas
JUDY BIGGERT, Illinois STEPHANIE TUBBS JONES, Ohio
MARK GREEN, Wisconsin MICHAEL E. CAPUANO, Massachusetts
PATRICK J. TOOMEY, Pennsylvania HAROLD E. FORD JR., Tennessee
CHRISTOPHER SHAYS, Connecticut RUBE N HINOJOSA, Texas
JOHN B. SHADEGG, Arizona KEN LUCAS, Kentucky
VITO FOSSELLA, New York RONNIE SHOWS, Mississippi
GARY G. MILLER, California JOSEPH CROWLEY, New York
ERIC CANTOR, Virginia WILLIAM LACY CLAY, Missouri
FELIX J. GRUCCI, JR., New York STEVE ISRAEL, New York
MELISSA A. HART, Pennsylvania MIKE ROSS, Arizona
SHELLEY MOORE CAPITO, West Virginia
MIKE FERGUSON, New Jersey BERNARD SANDERS, Vermont
MIKE ROGERS, Michigan
PATRICK J. TIBERI, Ohio
Terry Haines, Chief Counsel and Staff Director
(II)
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CONTENTS
Page
Hearing held on:
June 28, 2001 .................................................................................................... 1
Appendix
June 28, 2001 .................................................................................................... 33
WITNESSES
APPENDIX
Prepared statements:
King, Hon. Peter T. .......................................................................................... 34
Oxley, Hon. Michael G. .................................................................................... 36
LaFalce, Hon. John J. ...................................................................................... 40
Maloney, Hon. Carolyn .................................................................................... 38
Buckley, Jeremiah S. (with attachments) ...................................................... 174
Crocker, Thomas E. .......................................................................................... 113
Harrington, Eileen (with attachment) ............................................................ 41
Roe, Christopher ............................................................................................... 105
Rosenthal, Louis F. ........................................................................................... 199
Saunders, Margot ............................................................................................. 206
(III)
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ESIGN: ENCOURAGING THE USE OF
ELECTRONIC SIGNATURES IN THE
FINANCIAL SERVICES INDUSTRY
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STATEMENT OF CHRISTOPHER ROE, VICE PRESIDENT, FIRE-
MANS FUND INSURANCE COMPANIES, ON BEHALF OF THE
AMERICAN INSURANCE ASSOCIATION
Mr. ROE. Thank you, Mr. Chairman and Members of the Domes-
tic Monetary Policy, Technology, and Economic Growth Sub-
committee, for providing me with an opportunity to testify before
you today regarding the Electronic Signatures in Global and Na-
tional Commerce Act, ESIGN.
My name is Christopher Roe. I am Vice President and Legal
Counsel for Firemens Fund Insurance Company. Firemans Fund,
established in 1863 in San Francisco, California, is among the Na-
tions top writers of property casualty insurance, writing over four
billion in gross premiums and employing over 8,000 people.
Chairman KING. Excuse me, Mr. Roe. Could you move the micro-
phone a little closer, please?
Mr. ROE. Certainly. Thank you.
Chairman KING. Thank you.
Mr. ROE. I am pleased to appear before you today on behalf of
the American Insurance Association to discuss ESIGN. The AIA is
the principal trade association for property and casualty insurance
companies. The passage of ESIGN is an important ingredient to
the evolution of e-commerce within the insurance industry. We be-
lieve that ESIGN, coupled with the State passage of the Uniform
Electronic Transaction Act, UETA, will ultimately allow insurers to
better deliver speed, efficiency, and cost savings in future online in-
surance transactions.
In particular, some of the advantages of ESIGN are already evi-
dent. ESIGN sets a higher degree of legal uniformity among the
States than currently existed, which is more conducive to an online
marketing strategy in the 50 States. ESIGN establishes a higher
degree of predictability and stability in the States, which allows in-
surers to more confidently provide their customers with the online
services they are increasingly seeking. And ESIGN now allows cus-
tomers to execute an online insurance transaction completely on-
line.
Without ESIGN and UETA, customers and their insurers could
not close an insurance transaction online. Many customers natu-
rally became discouraged after completing information for an insur-
ance quote and then not being able to finalize the transaction.
Often the customer would receive an e-mail that an agent would
contact them in a few days or that they would have to wait to re-
ceive a package in the mail to complete the process. ESIGN will
help smooth this transition and allow us to meet customer expecta-
tions, including 24-hours-a-day service, greater efficiency, conven-
ience, and cost savings.
My company, Firemans Fund, believes annual savings of mil-
lions of dollars can be achieved if consumers signed policy applica-
tions and receive coverage notices and renewals online. Mailing ex-
penditures alone cost Firemans Fund $8 million annually. By the
end of the year, we expect to begin to use electronic signatures and
records in some of our commercial divisions.
Because of its recent passage and more recent implementation,
the insurance industry has had limited practical experience with
ESIGN. As a result, we believe more time is needed to test the
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Mr. Crocker.
STATEMENT OF THOMAS E. CROCKER, PARTNER, ALSTON &
BIRD, LLP
Mr. CROCKER. Mr. Chairman, Chairman Oxley, and Members of
the subcommittee, my name is Thomas Crocker. I am partner in
the Washington office of the law firm of Alston & Bird.
My involvement with the ESIGN Act goes back to 1997. When
representing the then-CitiCorp, I helped draft a predecessor
version of the ESIGN Act in the 105th Congress. More recently, we
represented Charles Schwab & Company and the Securities Indus-
try Association in all phases of the development, consideration, and
eventual enactment of the ESIGN Act in the 106th Congress.
Today, however, I am testified solely on my own behalf as an at-
torney in private practice who has assisted a number of clients in
implementing the ESIGN Act and who has had some practical ex-
perience with the types of real-world concerns that businesses have
had in complying with the Act.
As has been noted, almost exactly 1 year ago, on June 30th,
2000, the President signed the ESIGN Act into law. At that time
it was hailed as the, quote, single most important piece of e-com-
merce legislation enacted in the 106th Congress. Now, 1 year
later, it is appropriate to ask whether the ESIGN Act has lived up
to its promise, and if not, why not?
The significance and the promise of ESIGN Act lay in its central
attribute of being a technology-neutral, uniform Federal law de-
signed to encourage the use of electronic records and signatures.
The uniformity and consistency were and remain the most impor-
tant ingredients to providing industry with the legal certainty that
it needs to conduct e-business on a national and global scale. These
touchstonesuniformity, consistency, and legal certaintyare im-
portant measures by which the success or failure of the ESIGN Act
will appropriately be judged.
As part of our representation of clients seeking to implement the
ESIGN Act, we recently conducted an informal website survey to
try to determine how widespread reliance in the ESIGN Act has ac-
tually become. This survey was aimed primarily at the financial
services industrybanks, broker-dealers, insurance companies
but it also touched on other business sectors such as health care,
technology, and online sales.
Our findings confirmed what we had long suspected to be the
casethat use of the ESIGN Act has been slow to take off and that
compliance with it is limited at best. Its embraced by U.S. industry
at large has been spotty. Why is this so? Based on our work with
various clients seeking to understand and implement the ESIGN
Act, we believe that although well-intended, the ESIGN Act in its
present form fails to deliver on the promises of uniformity, consist-
ency, and legal certainty.
This failure is compounded by the unusual absence of a state-
ment of managers as part of the legislative history of the Act,
which would help in its interpretation, as well as by the fact that
the Act is studded with well over two dozen vague terms in its crit-
ical provisions, which inject uncertainty into its meaning. Against
this background our clients practical concerns focus on three spe-
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term. But I think concomitant with that is the idea of some flexi-
bility. And I think industry has been groping to do that, and in
most cases theyve come up with solutions that seemed to pass a
reasonableness test of reasonably demonstrating, through a
pingback or an e-mail response.
And again, I think its important that the regulatory agencies
and the Congress just keep a view to keeping some flexibility and
reasonableness in allowing how people meet that test.
Mrs. MALONEY. I think that in our Federal system one of the
strengths is that we provide for flexibility and innovation. We look
to see what States are doing. We allow them to experiment and
come forward with their own formulas. But in something as impor-
tant as e-commerce and communication, you need to have stand-
ards. Otherwise, its going to really cause a lot more problems.
Id like to ask Mrs. Saunders, could you provide examples of spe-
cific consumer protection provisions in existing law that ESIGN
transfers to the online and how effective is that doing that, if at
all?
Ms. SAUNDERS. What ESIGNs consumer consent provision does
is ensure that a consumer actually gets electronically what they
would have received by paper in the real world. At least thats the
intent of the provision.
So let me detail just a few types of papers that a consumer would
receive in real-world transactions. As Mr. Buckley described, when
you are signing a mortgage on your house, theres a number of im-
portant documents that you receive that are required by Federal
law that you want to be able to hold onto. If you are refinancing
the mortgage you will get an early disclosure required under truth
in lending describing your rates and points and fees. You will get
a good faith estimate required under the Real Estate Settlement
Procedures Act which describes your closing cost.
When you close the loan, assuming you do that electronically as
well, you get the contract itself, which in all States is required to
be in writing, and you get truth in lending disclosures that de-
scribes when your payments are due and what your interest rate
is, and you get a very important document, again required under
RESPA called the HUD One, which describes the exchange of mon-
ies at the table. And you also get a notice of your right to cancel
the transaction, which you may want to do if you find that the
transaction is not as you thought it was, and thats why youve got
3 days to cancel.
All of those papers, which we all currently get and stick in a
drawer and then look at if and when we have questions, you would
get electronically by virtue of ESIGN.
Mrs. MALONEY. Thank you. And my time has expired.
Chairman KING. Thank you, Mrs. Maloney.
We have been joined by Ms. Hart of Pennsylvania who is going
back and forth between committees and subcommittees and she
has asked to make a statement. Ms. Hart.
Ms. HART. Thank you very much for your indulgence, Mr. Chair-
man. I also very much appreciate you having this hearing. I apolo-
gize to the presenters. Im going to bring all the testimony with me
and make sure I get a chance to really review it over our break.
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APPENDIX
(33)
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