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Denial of credit at point of sale is not adverse action except under those circumstances specified in the regulation. Billing statements have been returned to the creditor for lack of a forwarding address. A refusal or failure to authorize an account transaction at the point of sale or loan is not adverse action except when the refusal is a denial of an application, submitted in accordance with the creditor's procedures, for an increase in the amount of credit. If a mortgagor sells or transfers the mortgaged property and the buyer makes an application to the creditor to assume the mortgage loan, the mortgagee must treat the buyer as an applicant unless its policy is not to permit assumptions.

For example, denial at point of sale is not adverse action in the following situations: i. 2(f) The term "procedures" refers to the actual practices followed by a creditor for making credit decisions as well as its stated application procedures.

In cases where termination is adverse action, notification is required under § 1002.9. If a creditor terminates credit accounts that have low credit limits (for example, under 0) but keeps open accounts with higher credit limits, the termination is adverse action and notification is required under § 1002.9. An adverse action notice need not be given to the mortgagor or the transferee.

(See comment 2(e)-1 for treatment of a purchaser who requests to assume the loan.) 2.

The term adverse action does not include a creditor's termination of an account when the accountholder is currently in default or delinquent on that account.

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.

For example, comments to § 1002.2(c) are further divided by subparagraph, such as comment 2(c)(1)(ii)-1 and comment 2(c)(2)(ii)-1. Further, the definition of creditor is not restricted to the party or person to whom the obligation is initially payable, as is the case under Regulation Z.Always keep an open mind, don’t worry too much about ‘compatibility’ and you’ll be sure to find some fantastic people; from there it’s all up to you.4.Be bold and make that first move You’re in control!The Equal Credit Opportunity Act and Regulation B apply to all credit--commercial as well as personal-without regard to the nature or type of the credit or the creditor, except for an entity excluded from coverage of this part (but not the Act) by section 1029 of the Consumer Financial Protection Act of 2010 (12 U. Moreover, the Act and regulation apply to all methods of credit evaluation, whether performed judgmentally or by use of a credit scoring system. Regulation B generally does not apply to lending activities that occur outside the United States.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. If a credit card issuer terminates the open-end account of a customer because the customer has moved out of the card issuer's service area, the termination is adverse action unless termination on this ground was explicitly provided for in the credit agreement between the parties. If a mortgagor sells or transfers mortgaged property without the consent of the mortgagee, and the mortgagee exercises its contractual right to accelerate the mortgage loan, the mortgagee may treat the mortgagor as being in default.




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