A lot of time and energy has been spent on splitting hairs like this one in the Reg B appraisal notice/copy requirement. Ironically, with the waiver provision in the rule, it may just be easier (and less expensive) to give the notice, make the copy and provide it.
I offer this in spite of the fact that I support the answer from Carolina Blue.
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8