If we get an application by phone for a loan to be secured by a residential dwelling and we deny the request the next day because of information in the applicants credit report, do we still have to send the applicant a Right to Receive a Copy of Appraisal Disclosure with our Adverse Action Letter even though we did have an appraisal done of the property and therefore we do not have a copy of an appraisal to give to the applicant? Reg. B doesn't seem to address this situation. Our policy is to only provide a copy of an appraisal to an applicant if it's requested.