Regulation X, Section 1024.20(a)(6):
(6) .... If there is more than one loan applicant, the required list of homeownership counseling organizations may be provided to any loan applicant with primary liability on the mortgage loan obligation.
If there is more than one application who will be primarily liable, you can provide one list to one of those applicants.
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8