oops it gets worse: passwd & email validations are not being observed, so looks like the fields.ini isn't being applied:-\
#widget:type = select
vocabulary = selectOwnerByName
validators:email:message = "Email must contain a valid email address"
widget:label = "Consent to Electronic Delivery"
widget:description="By entering today's date, you agree that we may deliver all notices, dues assesments and other documents and information to you by email. You agree to inform us right away if you change your email address or home mailing address so we can send information to the new address."