Is there a regulatory requirement that would require our bank to issue any kind of adverse action notice or other disclosure to a borrower who has not accepted our approval of a preapproval? Our bank does have a preapproval program, and we do choose to report Preapproval ANAs. Between HMDA, Reg B, and RESPA, I get pretty confused on what communication is required for each.

Thanks!

For
HMDA, it would be
Code 8—Preapproval request approved but not accepted (optional reporting)

ECOA, the bank approved it, and it would not be a decline. If the approval was communicated, nothing else needs to be done.

RESPA, nothing - no property.