I guess I am curious as to why both a desktop appraisal and appraisal were ordered? And as Randy stated, you might need to define what you mean by the desktop appraisal and/or provide a bit more background on the specific situation. Did you order the desktop appraisal first, and then decided you needed the full appraisal? In that case, you (most likely) need to provide both copies as you have two separate appraisals from two different appraisal orders. As In Fairness stated, Reg B states that you need to provide "all appraisals and other written valuations developed in connection with an application for credit that is to be secured by a first lien on a dwelling."
All that said, if you just go ahead and provide copies of both, you won't have issues with Regulation B.
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Adam Witmer, CRCM
All statements are my opinion, not those of my employer, and should not be taken as legal advice.
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