If we accept a home mortgage loan application via email, should we treat the application as received by mail or internet under Regulation C?

We believe that you should treat an application received by email as received by mail, unless the email application includes a video component.
 
With respect to reporting an applicant’s ethnicity, race, and sex, Appendix B to Regulation C states that “if you accept an application through electronic media without a video component (for example, facsimile), you must treat the application as accepted by mail.” Email is a form of electronic media that generally does not include a video component. Consequently, we believe that email applications should be treated as mail applications under Regulation C, unless the emails include videos.
 
For resources related to our guidance, please see:
 
  • Regulation C, Appendix B, #3 (“If you accept an application through electronic media with a video component, you must treat the application as taken in person. If you accept an application through electronic media without a video component (for example, facsimile), you must treat the application as accepted by mail.”)