TABLE OF CONTENTS

EXECUTIVE SUMMARY

A. BACKGROUND

B. THE IMPACT OF FEDERAL ELECTRONIC SIGNATURE LAW: A VIEW OF STATE AND INDUSTRY PRACTICES

1. Overview of Computer and Internet Usage
2. The ESIGN Exceptions
3. State Electronic Transaction Laws

C. ANALYSIS - ARE THE EXCEPTIONS STILL NECESSARY TO PROTECT CONSUMERS

1. Wills, Codicils, and Testamentary Trusts
2. Domestic and Family Law Exception
3. Uniform Commercial Code
4. Court Documents
5. Utility Cancellation Notices
6. Housing Default and Foreclosure Notices
7. Health and Life Insurance Cancellation Notices
8. Product Recall Notices
9. Hazardous Materials

D. CONCLUSION AND RECOMMENDATIONS

APPENDIX A [pdf format] - Electronic Signatures in Global and National Commerce Act
APPENDIX B - ESIGN Report Federal Register Notices
APPENDIX C - List of Commenters
APPENDIX D - List of Federal Agencies that Participated in Preparing the Report
APPENDIX E - State Electronic Transactions Laws