The Notice to Home Loan Applicant is triggered by FCRA 609(g).
(g) Disclosure of Credit Scores by Certain Mortgage Lenders
(1) In general. Any person who makes or arranges loans and who uses a consumer credit score, as defined in subsection (f), in connection with an application initiated or sought by a consumer for a closed end loan or the establishment of an open end loan for a consumer purpose that is secured by 1 to 4 units of residential real property (hereafter in this subsection referred to as the “lender”) shall provide the following to the consumer as soon as reasonably practicable:
There is no carve out for an incomplete, denied or withdrawn applicaiton.
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The opinions expressed are mine and they are not to be taken as legal advice.