a rd will to AR. Yes, the homeowner is entitled to a copy of the appraisal. Still, it can get tricky And in case you're one of those people who both hates reading blogs AND need an appraisal, skip on down to Appraisals Guaranteed and order one! And just to clarify The homeowner receives the copy of the appraisal in a refinance of the existing loan. DBS is an executive non-departmental public body, sponsored by the Home Office . A creditor shall provide a copy of each such appraisal or other written valuation promptly upon completion, or three business days prior to consummation of the transaction (for closed-end the propertys value and charge you for this appraisal. Under ECOA, consumers must receive a disclosure in writing regarding their right to receive a copy of their appraisal report or other written Unless an exception applies, the requirements apply to all proposed real estate transactions. Lock-in agreement from lender (if applicable) 14. loan for which you are applying, provided that you have paid for the appraisal. Lock-in agreement from lender (if applicable) 14. 1002.14 (a) (2) Disclosure. Consumer Choice Disclosure Notice) FHA Assumption Notice Release of Liability Lead Paint Notice ____ LOAN ESTIMATE Initial Disclosure / Final Disclosure RESPA Servicing Disclosure Right to Receive copy of Appraisal ECOA Disclosure 4506- T 4506-C Occupancy Affidavit .
Refer to the Right to Object to Processing on the basis of our legitimate interests or for direct marketing purposes.
Download. notice of right to receive a copy of appraisal We may order an appraisal to determine the property's value and charge you for this appraisal. The document also includes a schedule of your We may order an appraisal to determine the propertys value and charge you for this appraisal. An Appraisal Waiver refers to both a property owners decision to relinquish his/her right to receive an appraisal report and the document that states this declaration. Our network attorneys have an average customer rating of 4.8 out of 5 stars. Demographic Addendum. Get the right guidance with an attorney by your side. Appraisal Disclosure & Copy Requirements Regulation B 1002.14 Regulation Z - 1026.35(c) General Requirement Creditors must provide applicants with a notice of Obtain a full appraisal conducted by a certified or licensed appraiser who APPRAISAL DISCLOSURE Borrower Name(s): Lender: Property Address: Date: Loan Number: You have the right to a copy of the appraisal report obtained in connection with your application for a copy of the receipt or other written record establishing the value of in-kind donations or pro bono assistance; and. Model forms are available for each type of notice. This is a pretty common disclosure. Are the disclosure and statutory information requirements applicable to commercial transactions, new home sales, farm and ranch sales or transactions other than residential sales? It's to make sure that closing doesn't get held up. Rule 640.5(e) Information about the credit score disclosure exception is below. Under the ECOA Valuations (1-4 family). All real estate-related financial transactions engaged in by financial institutions are FRTs unless the transactions are exempt from the appraisal requirements of the appraisal regulations. Notice of Right to Receive Copy of Written Appraisal. Regarding the disclosure requirement, creditors must mail or deliver a notice in writing of the applicants right to receive a copy of written appraisals developed in connection with the An alternative way of complying with the Rule is to give a credit score disclosure notice to all customers, regardless of the terms on which you granted them credit (credit score disclosure exception notice). Appraisal Period: The appraisal period is twelve (12) months in length and based on the Calendar Year, January 1 through December 31. You can pay for an additional appraisal for your own use at your own cost. Re-disclosure of LE request form. 12. Certain exceptions may apply to the disclosure of the (i) Notice. We must receive your written request no later than days after we notify you about the action taken on your ECOA US Patriot Act/Customer ID Disclosure (Notice) Transfer of Servicing Disclosure/Fully executed LE True and certified letter stating that all copies are of originals Notice to Borrowers of right to receive a copy of appraisal/property SC Attorney/Insurance Preference Form. Servicing Disclosure (if funding the loan) 9. This assessment is made by certified property Appraisal Requirements 1026.35(c)(1) If a loan is an HPML, unless it is exempted, it is subject to three different appraisal requirements: a. Appraisal Notice 04/04 ~ Encompass TM from Ellie Mae ~ www.elliemae.com Notice to Applicant of Right to Receive Copy of Appraisal Report Date: Loan Number: Property Address: This is a custom-written document containing the terms of credit, closing statement, and final disclosure requirements. Recordkeeping and Disclosure Requirements Associated with CFPBs Regulation B (FR B; OMB No. Credit Agreement/Federal Disclosure. Creditors also need to explain the waivers contents and their implication/s first before clients can sign them. 2. RIGHT TO RECEIVE A COPY OF APPRAISALS Lender: Capital Communication Federal Credit Union Date: _____ NOTICE TO FIRST-LIEN DWELLING-SECURED CREDIT APPLICANTS: We may Anti-Steering Disclosure FAQ. We will promptly give you a copy of any For applications subject to paragraph (a) (1) of this section, a creditor shall mail or deliver to an applicant, not later than the third business day after the creditor receives an The fact that California Addendum to Loan Estimate signed (in lieu of Form 882 or 883) Must also provide signed LE. Notice of Right to Receive an Appraisal. Forms C-1 through C-4 are intended for use in notifying an applicant that adverse action has been taken on an application or account Equal Credit Opportunity Act disclosure (within 3 days of application) 13. Should be provided promptly upon completion c. IF we deny the loan we must send the appraisal report to the borrower within 30 days of us denying the loan d. Borrower has 90 days to request a copy of the appraisal. Texas Public Information Act: Texas Government Code, Chapter 552, gives you the right to access government records; and an officer for public information and the officer's agent may not ask why you want them. Well, right to receive copy of appraisal report is a disclosure informing loan applicants of their right to receive copy of the appraisal report that is in connection of the loan Final Truth-in-Lending Disclosure (at settlement) c. Good Faith Estimate (within 3 days of the application date) d. Notice of Right to Receive Copy of Uniform Residential Appraisal disclosure (provided any time during the loan process prior to settlement) e. Affiliated Business Agreement (when applicable) 11. appraisals to applicants, or notify them of their right to make a request for a copy and then provide a copy once requested. Notice to Applicant of Right to Receive Copy of Appraisal Report: Loan Brokerage: Appraisal; Mortgage loan brokerage, application process; 2016-07: Transaction Disclosure Sheets: Notices; Notice Addendum (Airport, Farmland, San Francisco Bay or Mining Operations); SSD; 2016-08: sort-disclosures: 309: 309: Click to see full answer. dwelling with copies of appraisals, as well as other written valuations, developed in connection with the application, whether or not the applicants request copies. Initial Truth-in-Lending Disclosure (within 3 days of the application date) b. It applies to ALL loans secured by a 1st lien on any dwelling. Form Name: Seller's Disclosure Notice (Form ID: OP-H) Effective Date: 09/01/2019. The latter is also called an appraisal waiver form. We will promptly give you a copy of any appraisal, even if your loan does not close. Right to Receive a Copy of Appraisal Report Borrower You 1100 W Howard St Pontiac, IL 61764 We means Lender. Answer: by Randy Carey: Yes. NOTICE OF RIGHT TO RECEIVE COPY OF WRITTEN APPRAISAL/VALUATION Date: Loan #: Borrower: Property Address: Lender/Broker: PROPERTY APPRAISAL NOTICE OF PROTEST TAX YEAR IMPORTANT: THE DEADLINE TO FILE YOUR PROTEST IS TO EXPEDITE YOUR PROTEST: USE THIS FORM or FILE ONLINE of GENERAL a FILING Do With a a a secrroa section section u with SS if be of of for ARS section s: (ARA). Disclosure of Right to Receive a Copy of Appraisal. Details about the notice period, final paycheck, vacation pay, severance, health insurance, and other benefits You can copy/paste these and fill in the blanks with the details that make the most sense for your current situation. the lender must wait 3 days from the day the borrower views the re-disclosure to close the mortgage loan. If re-disclosure is needed (a change in the APR by 1/8 of 1%). In real estate, property appraisal is done when owners wanted to sell or refinance their assets. HVCC Borrower Appraisal Acknowledgement. The notice shall inform the employee or job applicant of the right to file an appeal, or if available, the right to file a collective bargaining grievance pursuant to s. 447.401. you can pay for an additional appraisal for your own use at your own cost. The Loan Estimate is a three-page document you receive 3 business days after applying for a mortgage. Complete if Receipt of Property Appraisal Waived If you waive the right to receive a copy of the written appraisal of the property which is proposed as security for the loan which has been prepared by an appraiser who is authorized to perform appraisals in this State, prior to accepting any money for Require creditors to provide applicants a copy of each appraisal and other written valuation promptly upon its completion or three business days before consummation (for Disclosure of Right to Receive a Copy of an Appraisal Disclosure of Right to Receive a Copy of an Appraisal We may order an appraisal to determine the propertys value and charge you for this Must be provided to borrower 3 business days prior to the closing of the loan b. Right to Receive A Copy of Appraisals . The ECOA Valuations Rule also requires creditors to automatically send a free copy of home appraisals and other written valuations promptly after they are completed, regardless of whether Consistent with the USPAP Scope of Work Rule, 26 the appraisal must reflect an appropriate scope of work that provides for "credible" assignment results. For any first lien loan (consumer or commercial) secured by a 1-4 family dwelling, the bank must: (1) provide a Notice of Free Appraisal Copy Disclosure to the primary applicant within 3 business days of receiving a covered application; and (2) provide a Notice of Right to Receive a Copy of Appraisals We may order an appraisal to determine the propertys value and charge you for this appraisal. Right to Receive a Copy of Appraisal - Appraisal Fee Agreement . BARKER COUNTY APPRAISAL DISTRICT PARKER COUNTY APPRAISAL DISTRICT of a The notice required for commercial loans depends on the size of the business. This is key information for buyers. You must provide the disclosures in a clear and conspicuous manner and in a form the applicant may retain. Rest assured, you will still get a copy of the appraisal, and most of the time this agreement never Open Records Request. You have the right Form C-5 is a notice of disclosure of the right to request specific reasons for adverse action under 1002.9(a)(1) and .
Our network attorneys have an average customer rating of 4.8 out of 5 stars. Mortgage lenders are required to provide home buyers with their Closing Disclosure at least 3 business days before their loan closes. Now, there is some good news. Attorneys with you, every step of the way. In determining that value of the property established in your loan application, we may order an appraisal to determine the property's A creditor shall provide a copy of each such appraisal or other written valuation promptly upon completion, or three business days prior to consummation of the transaction (for closed-end You must notify the applicant in writing within three business days of application of the right to receive a copy of any appraisal developed in connection with the application. Notice of Right to Receive Copy of Appraisal 10. 1. Form C-9 Sample Disclosure of Right to Receive a Copy of an Appraisal Form C-10 Sample Disclosure About Voluntary Data Notification This Equal Credit Opportunity Act Sample Notifications Forms Template (approximately 15 pages) is available to purchase from BankPolicies.com in Microsoft Word format. So basically if you don't sign it, then whenever the appraisal is done, at least a 3 day wait time has to occur. If the business has revenues equal to or less than $1 million, notice may be given orally provided the ECOA rights are disclosed at the time of application. Right to Receive a Copy of Appraisal Report Creditor Applicant Date Application or Loan Number Applicant Date Date Date Date Property Address: "You" "We" Disclosure Signature Addendum A declaration usually is around 150300 pages, says Linderman. The agencies Title XI appraisal regulations require an appraisal performed by a state-certified or state-licensed appraiser for all FRTs. Notice of Right to Receive an Appraisal. Form C Form C-9 is designed for use in notifying an applicant of the right to receive a copy of appraisals under 1002.14. 17 More How to Read Your Assessment Notice Every year, you receive an assessment notice indicating changes in the assessed value and the taxable value of your property. The assess value represents 50% of the estimated market value of your property and the taxable value indicates how much of that value you will pay taxes on. assessed and taxable value. It Under ECOA, consumers must receive a disclosure in writing regarding their right to receive a copy of their appraisal report or other written valuations within 3 business days of the creditor receiving a complete application on 1st lien. The appraisal must be performed by a certified or licensed appraiser who conducts a physical visit to the interior of the property that will secure the transaction. The ECOA Valuations Rule changes that. The normal cost for disclosure documents in Pennsylvania and New Jersey generally ranges from $200 to $600. Notice to Applicant of Right to Receive Copy of Appraisal Report. Do I have the right to receive a copy of my home appraisal? Right to Copy of Appraisal Report Notice. 1002.14 (a) requieres the notification (Form C-9) to be delivered within 3 business days. A creditor that provides appraisal reports only upon request shall notify an applicant in writing of the right to receive a copy of an appraisal report. Notice of Right to Receive Copy of Appraisal 10. An in-person appraisal, then, might value a home more accurately. Rather, appraisal notices must provide stockholders with the information they need to determine whether to accept the merger consideration or to seek appraisal. For applications subject to paragraph (a)(1) of this section, a creditor shall mail or deliver to an applicant, not later than the third business day after the creditor receives an application for Colorado Tangible Net Benefit Disclosure. ii.
california business & professions code section 11423 requires a lender in any loan transaction secured by real property to provide a notice to the loan applicant of the applicants right to Based on this requirement, the disclosure should be provided in a separate page that can be retained by the applicant. notify applicants of their right to receive copies of appraisals within three business days. Since this language may also be included in the Equal Credit Opportunity Act notice required under Section 1002.14 (a) (2), the anti-discrimination disclosure language will also
Refer to the Right to Object to Processing on the basis of our legitimate interests or for direct marketing purposes.
Download. notice of right to receive a copy of appraisal We may order an appraisal to determine the property's value and charge you for this appraisal. The document also includes a schedule of your We may order an appraisal to determine the propertys value and charge you for this appraisal. An Appraisal Waiver refers to both a property owners decision to relinquish his/her right to receive an appraisal report and the document that states this declaration. Our network attorneys have an average customer rating of 4.8 out of 5 stars. Demographic Addendum. Get the right guidance with an attorney by your side. Appraisal Disclosure & Copy Requirements Regulation B 1002.14 Regulation Z - 1026.35(c) General Requirement Creditors must provide applicants with a notice of Obtain a full appraisal conducted by a certified or licensed appraiser who APPRAISAL DISCLOSURE Borrower Name(s): Lender: Property Address: Date: Loan Number: You have the right to a copy of the appraisal report obtained in connection with your application for a copy of the receipt or other written record establishing the value of in-kind donations or pro bono assistance; and. Model forms are available for each type of notice. This is a pretty common disclosure. Are the disclosure and statutory information requirements applicable to commercial transactions, new home sales, farm and ranch sales or transactions other than residential sales? It's to make sure that closing doesn't get held up. Rule 640.5(e) Information about the credit score disclosure exception is below. Under the ECOA Valuations (1-4 family). All real estate-related financial transactions engaged in by financial institutions are FRTs unless the transactions are exempt from the appraisal requirements of the appraisal regulations. Notice of Right to Receive Copy of Written Appraisal. Regarding the disclosure requirement, creditors must mail or deliver a notice in writing of the applicants right to receive a copy of written appraisals developed in connection with the An alternative way of complying with the Rule is to give a credit score disclosure notice to all customers, regardless of the terms on which you granted them credit (credit score disclosure exception notice). Appraisal Period: The appraisal period is twelve (12) months in length and based on the Calendar Year, January 1 through December 31. You can pay for an additional appraisal for your own use at your own cost. Re-disclosure of LE request form. 12. Certain exceptions may apply to the disclosure of the (i) Notice. We must receive your written request no later than days after we notify you about the action taken on your ECOA US Patriot Act/Customer ID Disclosure (Notice) Transfer of Servicing Disclosure/Fully executed LE True and certified letter stating that all copies are of originals Notice to Borrowers of right to receive a copy of appraisal/property SC Attorney/Insurance Preference Form. Servicing Disclosure (if funding the loan) 9. This assessment is made by certified property Appraisal Requirements 1026.35(c)(1) If a loan is an HPML, unless it is exempted, it is subject to three different appraisal requirements: a. Appraisal Notice 04/04 ~ Encompass TM from Ellie Mae ~ www.elliemae.com Notice to Applicant of Right to Receive Copy of Appraisal Report Date: Loan Number: Property Address: This is a custom-written document containing the terms of credit, closing statement, and final disclosure requirements. Recordkeeping and Disclosure Requirements Associated with CFPBs Regulation B (FR B; OMB No. Credit Agreement/Federal Disclosure. Creditors also need to explain the waivers contents and their implication/s first before clients can sign them. 2. RIGHT TO RECEIVE A COPY OF APPRAISALS Lender: Capital Communication Federal Credit Union Date: _____ NOTICE TO FIRST-LIEN DWELLING-SECURED CREDIT APPLICANTS: We may Anti-Steering Disclosure FAQ. We will promptly give you a copy of any For applications subject to paragraph (a) (1) of this section, a creditor shall mail or deliver to an applicant, not later than the third business day after the creditor receives an The fact that California Addendum to Loan Estimate signed (in lieu of Form 882 or 883) Must also provide signed LE. Notice of Right to Receive an Appraisal. Forms C-1 through C-4 are intended for use in notifying an applicant that adverse action has been taken on an application or account Equal Credit Opportunity Act disclosure (within 3 days of application) 13. Should be provided promptly upon completion c. IF we deny the loan we must send the appraisal report to the borrower within 30 days of us denying the loan d. Borrower has 90 days to request a copy of the appraisal. Texas Public Information Act: Texas Government Code, Chapter 552, gives you the right to access government records; and an officer for public information and the officer's agent may not ask why you want them. Well, right to receive copy of appraisal report is a disclosure informing loan applicants of their right to receive copy of the appraisal report that is in connection of the loan Final Truth-in-Lending Disclosure (at settlement) c. Good Faith Estimate (within 3 days of the application date) d. Notice of Right to Receive Copy of Uniform Residential Appraisal disclosure (provided any time during the loan process prior to settlement) e. Affiliated Business Agreement (when applicable) 11. appraisals to applicants, or notify them of their right to make a request for a copy and then provide a copy once requested. Notice to Applicant of Right to Receive Copy of Appraisal Report: Loan Brokerage: Appraisal; Mortgage loan brokerage, application process; 2016-07: Transaction Disclosure Sheets: Notices; Notice Addendum (Airport, Farmland, San Francisco Bay or Mining Operations); SSD; 2016-08: sort-disclosures: 309: 309: Click to see full answer. dwelling with copies of appraisals, as well as other written valuations, developed in connection with the application, whether or not the applicants request copies. Initial Truth-in-Lending Disclosure (within 3 days of the application date) b. It applies to ALL loans secured by a 1st lien on any dwelling. Form Name: Seller's Disclosure Notice (Form ID: OP-H) Effective Date: 09/01/2019. The latter is also called an appraisal waiver form. We will promptly give you a copy of any appraisal, even if your loan does not close. Right to Receive a Copy of Appraisal Report Borrower You 1100 W Howard St Pontiac, IL 61764 We means Lender. Answer: by Randy Carey: Yes. NOTICE OF RIGHT TO RECEIVE COPY OF WRITTEN APPRAISAL/VALUATION Date: Loan #: Borrower: Property Address: Lender/Broker: PROPERTY APPRAISAL NOTICE OF PROTEST TAX YEAR IMPORTANT: THE DEADLINE TO FILE YOUR PROTEST IS TO EXPEDITE YOUR PROTEST: USE THIS FORM or FILE ONLINE of GENERAL a FILING Do With a a a secrroa section section u with SS if be of of for ARS section s: (ARA). Disclosure of Right to Receive a Copy of Appraisal. Details about the notice period, final paycheck, vacation pay, severance, health insurance, and other benefits You can copy/paste these and fill in the blanks with the details that make the most sense for your current situation. the lender must wait 3 days from the day the borrower views the re-disclosure to close the mortgage loan. If re-disclosure is needed (a change in the APR by 1/8 of 1%). In real estate, property appraisal is done when owners wanted to sell or refinance their assets. HVCC Borrower Appraisal Acknowledgement. The notice shall inform the employee or job applicant of the right to file an appeal, or if available, the right to file a collective bargaining grievance pursuant to s. 447.401. you can pay for an additional appraisal for your own use at your own cost. The Loan Estimate is a three-page document you receive 3 business days after applying for a mortgage. Complete if Receipt of Property Appraisal Waived If you waive the right to receive a copy of the written appraisal of the property which is proposed as security for the loan which has been prepared by an appraiser who is authorized to perform appraisals in this State, prior to accepting any money for Require creditors to provide applicants a copy of each appraisal and other written valuation promptly upon its completion or three business days before consummation (for Disclosure of Right to Receive a Copy of an Appraisal Disclosure of Right to Receive a Copy of an Appraisal We may order an appraisal to determine the propertys value and charge you for this Must be provided to borrower 3 business days prior to the closing of the loan b. Right to Receive A Copy of Appraisals . The ECOA Valuations Rule also requires creditors to automatically send a free copy of home appraisals and other written valuations promptly after they are completed, regardless of whether Consistent with the USPAP Scope of Work Rule, 26 the appraisal must reflect an appropriate scope of work that provides for "credible" assignment results. For any first lien loan (consumer or commercial) secured by a 1-4 family dwelling, the bank must: (1) provide a Notice of Free Appraisal Copy Disclosure to the primary applicant within 3 business days of receiving a covered application; and (2) provide a Notice of Right to Receive a Copy of Appraisals We may order an appraisal to determine the propertys value and charge you for this appraisal. Right to Receive a Copy of Appraisal - Appraisal Fee Agreement . BARKER COUNTY APPRAISAL DISTRICT PARKER COUNTY APPRAISAL DISTRICT of a The notice required for commercial loans depends on the size of the business. This is key information for buyers. You must provide the disclosures in a clear and conspicuous manner and in a form the applicant may retain. Rest assured, you will still get a copy of the appraisal, and most of the time this agreement never Open Records Request. You have the right Form C-5 is a notice of disclosure of the right to request specific reasons for adverse action under 1002.9(a)(1) and .
Our network attorneys have an average customer rating of 4.8 out of 5 stars. Mortgage lenders are required to provide home buyers with their Closing Disclosure at least 3 business days before their loan closes. Now, there is some good news. Attorneys with you, every step of the way. In determining that value of the property established in your loan application, we may order an appraisal to determine the property's A creditor shall provide a copy of each such appraisal or other written valuation promptly upon completion, or three business days prior to consummation of the transaction (for closed-end You must notify the applicant in writing within three business days of application of the right to receive a copy of any appraisal developed in connection with the application. Notice of Right to Receive Copy of Appraisal 10. 1. Form C-9 Sample Disclosure of Right to Receive a Copy of an Appraisal Form C-10 Sample Disclosure About Voluntary Data Notification This Equal Credit Opportunity Act Sample Notifications Forms Template (approximately 15 pages) is available to purchase from BankPolicies.com in Microsoft Word format. So basically if you don't sign it, then whenever the appraisal is done, at least a 3 day wait time has to occur. If the business has revenues equal to or less than $1 million, notice may be given orally provided the ECOA rights are disclosed at the time of application. Right to Receive a Copy of Appraisal Report Creditor Applicant Date Application or Loan Number Applicant Date Date Date Date Property Address: "You" "We" Disclosure Signature Addendum A declaration usually is around 150300 pages, says Linderman. The agencies Title XI appraisal regulations require an appraisal performed by a state-certified or state-licensed appraiser for all FRTs. Notice of Right to Receive an Appraisal. Form C Form C-9 is designed for use in notifying an applicant of the right to receive a copy of appraisals under 1002.14. 17 More How to Read Your Assessment Notice Every year, you receive an assessment notice indicating changes in the assessed value and the taxable value of your property. The assess value represents 50% of the estimated market value of your property and the taxable value indicates how much of that value you will pay taxes on. assessed and taxable value. It Under ECOA, consumers must receive a disclosure in writing regarding their right to receive a copy of their appraisal report or other written valuations within 3 business days of the creditor receiving a complete application on 1st lien. The appraisal must be performed by a certified or licensed appraiser who conducts a physical visit to the interior of the property that will secure the transaction. The ECOA Valuations Rule changes that. The normal cost for disclosure documents in Pennsylvania and New Jersey generally ranges from $200 to $600. Notice to Applicant of Right to Receive Copy of Appraisal Report. Do I have the right to receive a copy of my home appraisal? Right to Copy of Appraisal Report Notice. 1002.14 (a) requieres the notification (Form C-9) to be delivered within 3 business days. A creditor that provides appraisal reports only upon request shall notify an applicant in writing of the right to receive a copy of an appraisal report. Notice of Right to Receive Copy of Appraisal 10. An in-person appraisal, then, might value a home more accurately. Rather, appraisal notices must provide stockholders with the information they need to determine whether to accept the merger consideration or to seek appraisal. For applications subject to paragraph (a)(1) of this section, a creditor shall mail or deliver to an applicant, not later than the third business day after the creditor receives an application for Colorado Tangible Net Benefit Disclosure. ii.
california business & professions code section 11423 requires a lender in any loan transaction secured by real property to provide a notice to the loan applicant of the applicants right to Based on this requirement, the disclosure should be provided in a separate page that can be retained by the applicant. notify applicants of their right to receive copies of appraisals within three business days. Since this language may also be included in the Equal Credit Opportunity Act notice required under Section 1002.14 (a) (2), the anti-discrimination disclosure language will also