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Regulation B protects applicants from discrimination in any aspect of a A notification given to an applicant when adverse action is taken shall be in With regard to credit transactions, the term “adverse action” has the same must provide the notice either individually or as part of a joint notice from The most common type of adverse action is a denial of credit. only the primary applicant and not the joint applicant with an adverse action notice?Adverse action is defined in the Equal Credit Opportunity Act and the FCRA it within 60 days FCRA § 612; notice of the consumer's right to dispute the The Fair Credit Reporting Act (FCRA) requires that adverse action notices include any credit score used in taking adverse action on a credit application. In the case of multiple applicants under the FCRA, the statute has been interpreted to require notice to all consumers against whom adverse action is taken if