Good morning!...My FI recently set up service to have the credit disclosures/NHLA delivered to the consumer once the tri-merge is pulled. My FI no longer does this part. Question, when our LO's use the same credit report for another loan (eg: a 2nd closing simultaneously, or another property transaction all together in which the credit report was used since it isn't expired), is the FI technically required to deliver disclosures/NHLA again for each transaction since the FI granted/extended new credit...?
Thank you!