Any opinions out there on whether it's necessary to provide an appraisal notice on prequalification apps where no property has been selected?

A creditor shall provide an applicant a copy of all appraisals and other written valuations developed in connection with an application for credit that is to be secured by a first lien on a dwelling.

A PQ "is to be secured" is it not??

Of course, unless a property is later identified, you won't actually get an appraisal, so you won't provide a copy. But as ridiculous as it may seem, the notice requirement still applies to the pre-qual.

Reg B definition of application is based on the bank's procedures and additionally says that you have an application when you have "received all the information that the creditor regularly obtains and considers in evaluating applications for the amount and type of credit requested."

Per this definition, couldn't the bank's procedures require a property address to have a completed application, therefore meaning the appraisal notice is not required?

Receiving an application for credit and having a complete application are two totally different animals.

"not later than the third business day after the creditor receives an application for credit that is to be secured by a first lien on a dwelling"

There is no mention or support to think that this excerpt means a "complete application". There is no relationship between Regulation B and the six elements that cover TRID. .