Thanks for the responses. I agree that once the new information was received to change the decision, it needed to be communicated within 30 days, just trying to support that with information in Reg B given the argument that the timing was already met in (i). Ultimately it seems the application became incomplete again when we needed additional information.
(a) Notification of action taken, ECOA notice, and statement of specific reasons. (1) When notification is required. A creditor shall notify an applicant of action taken within:
(i) 30 days after receiving a completed application concerning the creditor's approval of, counteroffer to, or adverse action on the application;
(ii) 30 days after taking adverse action on an incomplete application, unless notice is provided in accordance with paragraph (c) of this section;
(iii) 30 days after taking adverse action on an existing account; or
(iv) 90 days after notifying the applicant of a counteroffer if the applicant does not expressly accept or use the credit offered.