The Illinois Financial Institutions Electronic Documents and Digital Signature Act and the federal Electronic Signatures in Global and National Commerce (ESIGN) Act allow banks to send “information relating to a transaction” required by law in electronic form (after sending the required notices and obtaining the consumer’s consent). 205 ILCS 705/10(c)15 USC 7001. The OCC has explained how the E-SIGN requirements apply to financial institutions. OCC Advisory Letter 2004-11. And, the Federal Reserve has published a checklist to ensure compliance with E-SIGN. FRB Consumer Affairs Electronic Banking Checklist (p. 7) (May 2003).