The FCRA adverse action notice is required to be provided to a consumer anytime a consumer's request for credit has been denied. It does not matter if the loan purpose is for consumer or business.
For purposes of the FCRA adverse action notice, "consumer" means a natural person. So the natural person receives the FCRA disclosure. The LLC is not a natural person, so the LLC does not receive the FCRA adverse action notice.
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CRCM,CAMS
Regulations are a poor substitute for ethics.
Just sayin'