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Hi, Dave Dickinson with Bankers Compliance Consulting. I want to talk about adverse action notices and talk about two regulatory requirements, the Reg B Equal Credit Opportunity Act and the Fair Credit Reporting Act. And then I want to make this a little more difficult, lets talk about multiple applicants. So, youve got two different people that are applying together. Who gets what? Well, when it comes to Reg B, Equal Credit Opportunity says that the primary applicant has to get all reasons for denial, not just theirs. So imagine, lets just take my son, Im going to come in with him to help him out because hes young, he hasnt gotten credit before. So dear old dad comes along really maybe as a cosigner, maybe a comaker doesnt really matter. Hes the primary, Im not. And lets say that you pull our credit reports, he has limited credit experience, Ive got bankruptcy or delinquency or some other flaw on my credit history. Youve got to tell the primary applicant all reasons. Now y