Standards and Procedures for
electronic Records and Signatures (SPeRS)

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New eCommerce laws permit the widespread replacement of paper documents with electronic records. They also enable the broad use of electronic signatures and allow companies to provide many types of disclosures electronically. Converting to electronic processes can yield substantial productivity gains and cost savings, but also can pose a daunting challenge. Standards and Procedures for electronic Records and Signatures (SPeRS) was drafted by a panel of leading companies and trade groups to help companies of all sizes plan and implement their online strategy.

SPeRS is intended for use by system design teams, including business managers, IT professionals, and legal counsel. SPeRS provides concrete, practical, technology-neutral advice and strategies for:

• Authenticating transaction participants,
• Obtaining consent to use electronic records and signatures,
• Presenting information,
• Creating agreements,
• Executing signatures, and
• Record retention

SPeRS provides commentary, checklists and guidance to help your bank make the right decisions when going online. Available from SPeRS at a special price for ABA members.

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