"But if they do not accept it's a Denial. What proof do you have that they accepted?"
Either the loan closes or it does not. If it does not, then you owe them a AAN within 90 days.
1002.9 (a) Notification of action taken, ECOA notice, and statement of specific reasons. (1) When notification is required. A creditor shall notify an applicant of action taken within:
(iv) 90 days after notifying the applicant of a counteroffer if the applicant does not expressly accept or use the credit offered.
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