It would not only require the ROR but it would also require all the RESPA, MDIA and HPML requirements. What this rider is intended to do is nullify the secured debt or future advance clause if it exists. These mortgages currently have language in them that if the ROR is not provided then the clause in invalidated. This rider adds an amendment that nullifies the clause if the requirements of .19(a), .32 or .35 aren't met. Without this rider if you had a loan officer that has actually taken the time to read the mortgage and gave the ROR in order to exercise the secured debt clause but does none of the early disclosures or meet any of the .19(a), .32 or .35 requirements you aren't cited for a violation because the rider nullifies the clause if those requirements aren't met the same as it is if the ROR isn't provided.
If the mortgage does not have a secured all debts or future advance clause in it then you don't need this rider.
The opinions expressed are mine and they are not to be taken as legal advice.