Description
This form is designed to meet the Fair Credit Reporting Act disclosure requirements when; based on the borrower’s credit report; a loan is made at less favorable terms than what is provided to other borrowers. The form(s) is available in electronic PDF format with fillable fields. Credit unions can choose from the following forms that meet the requirements of the Appendix H model forms:
- B-1 Model form for risk-based pricing notice
- B-2 Model form for account review risk-based pricing notice
- B-3 Model form for credit score disclosure exception for credit secured by one to four units of residential real property
- B-4 Model form for credit score disclosure exception for loans not secured by residential real property;
- B-5 Model form for credit score disclosure exception for loans where credit score is not available.
Citation: 12 CFR 1022
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