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?

I have this same question: can the exception notice be sent electronically? Thank you.

As long as it is delivered using an E-Sign compliant method - there is no problem.

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.