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#2258367 - 08/18/21 04:42 PM Credit Score Exception Notice Electronic Delivery
Likes to Comply Offline
Diamond Poster
Joined: Nov 2008
Posts: 1,060
In the mountains
Can the consumer credit score exception notice be delivered electronically? I just noticed that 1022.74(d)(2)(iv), (e)(2)(iii), (f)(3)(iii) says "Provided to the consumer in writing and in a form that the consumer may keep."

But for the risk based pricing notice it actually says "Provided to the consumer in oral, written, or electronic form."

Is there any problem sending the exception notice electronically if done with eSign consent?
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#2264951 - 01/20/22 09:25 PM Re: Credit Score Exception Notice Electronic Delivery Likes to Comply
Betty Banker Offline
Member
Joined: Sep 2015
Posts: 54
I have this same question: can the exception notice be sent electronically? Thank you.

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#2264953 - 01/20/22 09:40 PM Re: Credit Score Exception Notice Electronic Delivery Likes to Comply
rlcarey Offline
10K Club
rlcarey
Joined: Jul 2001
Posts: 79,633
Galveston, TX
As long as it is delivered using an E-Sign compliant method - there is no problem.
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#2269414 - 04/20/22 07:02 PM Re: Credit Score Exception Notice Electronic Delivery Likes to Comply
iheartcompliance Offline
100 Club
Joined: Jan 2016
Posts: 239
Doesn't the CSDN & NHLA have to be provided to each applicant separately? I have the same question technically, our portal that we upload documents to can be accessed by both applicants. We have just been sending those out regular mail to each applicant separately because we don't want any violations.

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