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hi my name is Adam Whitmer Im the founder and host here at compliancecohort.com now this compliance clip is going to talk about the KOA adverse action reasons under regulation B now there are over the years there have been a lot of confusion about the adverse action reasons and what the requirements are and I continue to see some challenges in this area so I figured I would discuss this in this quick compliance clip now first of all its important to understand that 1002.9 A2 of Regulation B requires that adverse action notices must contain one of two things first of all adversection notices must contain either number one a statement of specific reasons for the action taken which the action taken of course would be a denial for seeing an adverse action notice or number two a disclosure of the applicants right to a statement of specific reasons within 30 days so either we provide number one the specific reasons for denial or number two 2 we provide a disclosure to the applicants sayin
