Is there any reason why we wouldn't be required to provide the Negative Information Notice on a delinquent consumer construction loan? Also, I never see it specifically excluded, but I'm assuming the Homeownership Counseling Notice doesn't apply to construction loans. Is that correct? Thank you.

A Negative Information Notice would be required if you are reporting construction loans to a credit bureau. As far as the Homeownership Counseling Notice, there is no construction loan exemption if the loan otherwise qualifies for delivery of the notice.