After 20 plus years in compliance I feel really stupid asking this question. With regards to Notices of Adverse Action, we have always required that the bank name, address and telephone number of the branch from where the customer was declined, be included in the notice. We have over 100 branches, so each is required to enter their specific address and phone number. Two questions - 1. In looking at section 202.9, I don't even see the requirement for a telephone number. Is it required? 2. Does the address have to be specific to the branch, or can it simply be the bank's head office? Note that the sample notices in Appendix C are not consistent. Some include a space for phone number, some don't.