There are two opinions on whether the notice requirement will still apply if you know that you won't be developing an appraisal in connection with an application. I'd err on the side of caution, and give the notice, which says you'll provide a copy of any appraisal developed in connection ....
As for the appraisal copy:
If you don't develop an appraisal because it's a loan type that doesn't require one, or because you are going to use a recent one from an earlier transaction, you don't need to provide the copy. That is true whether the current application is for a refinance, renewal, modification, extension, or new loan. The renewal used in the commentary is illustrative, not definitive.
John S. Burnett
Fighting for Compliance since 1976
Bankers' Threads User #8