I still fail to see the UDAAP in that. If that was the case, then if getting a car loan would put them over the DTI limit for a mortgage loan they were planning to get next week - would you warn them?
They ask for a deferral and you grant it.
Now if they asked you what the impact might be on their credit and you told then : "ah - don't worry about it", then you would have a problem.
The opinions expressed here should not be construed to be those of my employer: PPDocs.com