Is the credit score disclosure a requirement at application (RESPA) or only at closing?

My FI gets it signed and gives a copy to the applicant at the point of application.

Credit Score Disclosure is part of the FACT Act and must be given to the customer for real estate secured consumer loan applications when you obtain the credit score, generally in the credit report. It does not need to be signed, just mailed to the customer once the credit report has been pulled. We keep a copy in the credit file. If you obtain the credit score, you need to send the notice, too hard to prove you don't use it when you have it.

To further clarify: the requirement applies whether the request for credit is approved or denied. It is triggered by obtaining the score.

We have made it part of our normal early disclosures. The credit score disclosure is sent within three days of receipt of the application.