How is everyone handling adverse action notices for joint applicants when using combined ECOA, FCRA notice. Since revised Reg B clarified that the ECOA notice must list specific reasons for the action regardless of whether the reason(s) pertain to applicant A or B, the notice may be confusing. However, we spoke with FRB attorney and they stated that B does not require lenders to identify which reason pertains to which applicant. Throw in FCRA requirements and the AAN may be "messy". Our loan platform automatically generates the combined AANs for each applicant that identifies all the reasons, without identifying which reason pertains to which applicant. Anyone doing anything differently? Anyone been through an exam where the process was tested?