Just don't confuse Reg. B requirements with FCRA. We have had several of these discussions in the past so a search would reveal several in-depth threads.
Bottom line, if credit was used as a reason, those whose reports were derogatory or otherwise contributed to the denial need an FCRA notice even if they do not get their own AAN.
My opinions are not necessarily my employers.
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell