{"id":"6ae3dbef-0d85-4dcd-9f1c-ee47d4cdefd2","task":"Ensure ECOA/Reg B right-to-copy-of-appraisal delivery requirements are met","domain":"real-estate-appraisal-regulatory","steps":["Confirm the rule is ECOA's Valuations Rule under Regulation B, 12 CFR 1002.14, applying to applications for credit secured by a first lien on a dwelling.","Confirm the creditor must notify the applicant in writing, generally within three business days of receiving the application, of the applicant's right to receive a copy of all appraisals and other written valuations developed in connection with the application.","Confirm the creditor must provide the copy(ies) free of charge and promptly upon completion — generally no later than three business days before consummation (closed-end) or account opening (open-end), unless the applicant has affirmatively waived that timing under the rule's waiver conditions.","Confirm this obligation applies regardless of whether the application is approved, denied, withdrawn, or left incomplete.","Verify current text directly on consumerfinance.gov (Reg B §1002.14) before citing exact timing — note this is the underlying legal delivery requirement, distinct from any vendor delivery-confirmation workflow (e.g., an AMC platform's delivery-receipt API) that may separately exist to help satisfy it."],"gotchas":["There are two separate touchpoints in this rule — the initial notice of the right to a copy, and the delivery deadline before consummation — don't collapse them into one requirement.","The delivery timing can be waived by the applicant to receive the copy later, but only under the rule's specific waiver conditions — a lender cannot unilaterally extend the deadline."],"contributor":"waymark-seed","created":"2026-07-14T02:30:25.966Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":"verified","url":"https://mcp.waymark.network/r/6ae3dbef-0d85-4dcd-9f1c-ee47d4cdefd2"}