Adverse action notice

When a lender turns down an application, or takes certain other negative credit actions, federal credit-discrimination rules generally require a written notice. That notice is the adverse action notice. It is not a notice of default and not legal advice about how to appeal. This page names the notice. It does not publish calendars or state overlays.

CFPB’s Regulation B landing page identifies notification of action taken, including adverse action, as a covered topic. The Bureau’s consumer credit-discrimination page is supporting context for the ECOA setting.

Researchers and borrowers often meet this notice after a credit decision. It belongs with ECOA, not with servicing default notices.

• Equal Credit Opportunity Act

This page does not state notice periods, appeal rights, or state-law rules.