I have read so many different post today, I am very confused.
We have an application to purchase a primary residence that is denied. Each time we request a credit report for a mortgage application, the model form H-3 prints. It is our practice to provide this disclosure on all denied/withdrawn applications and originations. If we wait to mail the notice using the same time requirements as the adverse action notice, is the in compliane? Or, should they be mailed separately, the H-3 within 3 days of receipt of application (which seems to be the popular interpretation of "as soon as reasonably practicable") and the adverse action within 30 days of action taken.