If a lender discovers post-closing that it failed to deliver the REG B appraisal notice (3-days of application) on a business purpose loan (no LE), should the lender send the notice after the fact? I understand that it will be essentially meaningless as the loan has closed and the borrower received a copy of the appraisal at least three business days before closing. As a corrective action, would sending the notice with a cover letter explaining the situation protect the lender more than not taking any action since the borrower was presumably unharmed.