Finally, we’re beginning to recognize the importance of UETA and eSign! DeadlyClear has provided several posts regarding electronic signatures in the past years. While the failure to obtain explicit authorization pursuant to the law may not invalidate the transaction – it does shed light on the fact that these were securities transaction – because securities are allowed to be electronically transferred…but not mortgage promissory notes – at least not without “explicit agreement” by the issuer (obligor) – and that never happened before 2008.

See https://deadlyclear.wordpress.com/2013/10/05/is-the-promissory-note-even-enforceable/

See also: https://deadlyclear.wordpress.com/2013/04/27/mers-too-many-dead-ducks/