Should a copy of the applicants Driver License be scanned in with the Notice of Action Taken? (Denial)

While you have some CIP responsibilities if a loan closes, why would scan and retain a copy of an ID for a denied loan file when that could contain prohibited information under the ECOA?

Does the Regulation state that it should not be included?

Well, let's see, from a picture ID I can usually tell sex and race and age. Last I checked those were prohibited basis under Regulation B. So, unless you were collecting the ID for CIP purposes, which would not apply since you are not establishing an account, what business would a picture ID have in a denied credit file other then to possibly be used in the credit denial process? That is not a discussion that I would want to even be within 10 feet of with a regulator.

Thanks. Now that makes sense.