The use of electronic signatures and records has expanded and matured rapidly over the past few years. As a result, courts and regulators are being presented more frequently with disputes and issues that specifically revolve around the collection, delivery, presentation, and enforcement of electronic disclosures, contracts and signatures. We will review and discuss a number of very significant judicial decisions and regulatory actions that have occurred in the past two years and that directly or indirectly affect the banking industry's use of these important eCommerce tools.