No. It must me given in a form the consumer can keep and giving it at closing is too late.
(d) Form of disclosures—
(1) General rule. A creditor that provides in writing any disclosures or information required by this regulation must provide the disclosures in a clear and conspicuous manner and, except for the disclosures required by §§202.5 and 202.13, in a form the applicant may retain.
. . . The notice may be given at any time during the application process but no later than when the creditor provides notice of action taken under §202.9 of this regulation. . . .
The opinions expressed are mine and they are not to be taken as legal advice.