Keep in mind that the CFPB has just opined in it's most recent revision of their UDAAP examination manual that discrimination (presumably on bases covered in fair lending laws and regulations) in any provision of bank products and services is an unfair practice under UDAAP. So how you select the customers you'll mail to could be important.
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Jim Bedsole, CRCM, CBA, CFSA, CAFP
My posts - my opinions