For an open-end (HELOC) request that is not covered by TRID and therefore not triggered by the 6 pieces of information, is the application considered "complete" when all the information the Bank regularly obtains for this type of credit request has been received?

Mel - In what context? As in what regulatory concern are you referring too - Reg B?

Yes, Reg B. Clock starts ticking.....

Yes- the 30 days clock starts ticking. Prior to that you have an incomplete application, which also within 30 days would require some action.