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An adverse action notice need not be given to the mortgagor or the transferee.[Table of Contents] [Previous Page] [Next Page] [Search] Supplement I to Part 1002— Official Interpretations Following is an official interpretation of Regulation B (12 CFR Part 1002) issued by the Bureau of Consumer Financial Protection.

1601 Section 706(e) of the Equal Credit Opportunity Act protects a creditor from civil liability for any act done or omitted in good faith in conformity with an interpretation issued by a duly authorized official of the Bureau.

It happened at about 2am and following the incident the man ran off in the direction of English Street.

For example, an open-end credit account used for both personal and business purposes is not business credit unless the primary purpose of the account is business-related.

Detective Sergeant Cath Pattinson said: “We have a team of detectives and uniformed staff following up numerous lines of enquiries in our attempts to ascertain what has happened and trace the suspect."If you saw a man matching this description in city centre area in the early hours of this morning please contact us as your information could help our enquiries into what has occurred.

A woman was sexually assaulted while walking through Carlisle city centre in the early hours of this morning.

A creditor is encouraged to provide consumers with information about loan terms.

The regulation does apply to lending activities that take place within the United States (as well as the Commonwealth of Puerto Rico and any territory or possession of the United States), whether or not the applicant is a citizen.

Notification in accordance with § 1002.9 of the regulation generally is required, however, if the creditor's action is based on a past delinquency or default on the account.

When an applicant applies for credit and the creditor does not offer the credit terms requested by the applicant (for example, the interest rate, length of maturity, collateral, or amount of downpayment), a denial of the application for that reason is adverse action (unless the creditor makes a counteroffer that is accepted by the applicant) and the applicant is entitled to notification under § 1002.9.

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