If we decide not to increase a dollar amount threshold level of remote check deposits for a customer, is an adverse action letter required?

Is this for a consumer or business? If business, no adverse action notice. If consumer...

Did you pull a credit report on the consumer when you made the decision? If not, no adverse action notice. If yes...

Did info in that credit report negatively impact the consumer's request for an increase? If not, no adverse action notice. If yes, then send a notice.