If an applicant selects a settlement service provider prior to the intial disclosure package being sent out, is the SSPL required to still be mailed out? For example, the purchase contract was received and the title company the applicant wanted to use was listed on the contract. This was reviewed and updated in the system prior to the initial disclosure package being mailed to the applicant. Since one was already selected by the applicant, the SSPL was not sent out. Is this permissable?

I was looking at older threads and a comment was made: You have to provide at least one settlement service provider if the consumer can shop for the services or you have an automatic violation.

Thank you!

If you do not provide the SSPL, then all charges are going to fall into the 10% aggregate tolerance category regardless of who they select if you allowed them to shop. Provide your preferred provider list and thier list of charges on the LE. The fact that the borrower may have already selected a provider is irrelevant.