If a MLA check was missed on a new credit card application for a line increase that resulted in an approval, does the model statement disclosure (232.6)(a)(1) need to be sent to the borrower after the loan has closed?

a creditor shall provide to the covered borrower the following information before or at the time the borrower becomes obligated on the transaction or establishes an account for the consumer credit

You have an uncorrectable violation.

Train your staff, document it, and move on.

Additionally, ensure the loan is compliant with the MLA and if you see any compliance risk for the failure to disclose, I'd be quick to assist the customer in their needs, including a chance to make a new loan and disclosure.