I think I know the answer but want confirmation, I am doing a loan for a couple and the mom is putting up her house for additional collateral, doesn't she also (mom) need a copy of the right to recieve copy of appraisal notice.

Not unless she is also an applicant/borrower. If she is only pledging the home, she is not entitled to the appraisal.

!2 CFR 202.14 requires that an applicant receive the appraisal notice. When an application involves more than one applicant, the notice need only be given to one applicant, but it must be given to the primary applicant where one is readily apparent. Regulation B defines an applicant as, "any person who requests or who has received an extension of credit from a creditor, and includes any person who is or may become contractually liable regarding an extension of credit. So, Mom is an applicant but only needs the notice if she is the primary applicant.

If the mom is not an applicant, she doesn't get the notice - but, if you got an appraisal on her house, the couple gets the notice (or the copy of the appraisal if your practice is to routinely give it).

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So, Mom is an applicant but only needs the notice if she is the primary applicant.

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Jack, how is Mom an applicant if she's only pledging her house?

I'm bumping this up because I want to be sure that I understand it correctly.