Just a follow up to Dan's point, how can the bank show the examiner that broker did in fact provide the notice? While I agree with Dan, I just don't have faith in brokers doing due diligence and always send disclosures/notification to borrower directly.
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"100 victories in 100 battles isnt the most skillful. Subduing the other's military w/o battle is the most skillful." Sun-Tzu