Whereas online, mobile, and other responsible technological advances can be leveraged with the use of remote data management and alternative sources of data to increase availability of safe products to underserved, underbanked, and unbanked communities; Whereas use of electronically signed documents in the mortgage process can reduce length of closing time, reduce hours of costly labor-intensive processes, are cost effective to store and transmit, and offer greater protection against unauthorized tampering, alteration, or loss; Whereas digitization and automated valuation models may lower costs and expedite closing times for consumers; Whereas digital signatures applied to mortgages have statutory basis in the Electronic Signatures in Global and National Commerce Act (ESIGN; Public Law 106–229 ), which recognized the legal validity of signatures and records executed with an electronic stamp; Whereas remote online notarization and the use of audio and visual technology and electronic methods can meet demands to facilitate a modern closing process for home mortgage closings and enhance the consumer experience; Whereas an eNote is an electronic version of the negotiable promissory note that is digitally signed and electronically transmitted and stored; Whereas online products provide consumers with anonymity to prevent discrimination against protected classes in the mortgage process; Whereas the digital mortgage process provides consumers with control of and access to their own data, information, and finances; Whereas single source validation allows lenders to verify a consumer’s assets and employment to streamline a more accurate and secure closing process; Whereas continued enhancements in digital identity verification using multi-factor authentication to validate the consumer protects their identity and data; Whereas the digitization of property data has helped to streamline and automate more accurate valuations