If the bank received a credit application secured by 1-4 family for consumer purposes prior to December 1st, 2004, would the notice need to be provided to the consumer. Regardles whether the loan closes or not after 12/1/2004?

No. The requirement only applies to an application generated by a consumer for a consumer purpose that is to be secured by 1-4 residential real property on or after 12/01/04.