H-4. Model form for credit score disclosure exception for loans not secured by residential real property - federalreserve 2025

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The document provides a model form for credit score disclosure, detailing the importance of credit scores, how they are calculated, and their impact on loan terms. It explains consumers' rights to dispute inaccuracies in their credit reports and outlines how to obtain a free annual credit report. Additionally, it includes information on comparing individual scores to those of other consumers.

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What is a credit score disclosure notice to the home loan applicant?

Notice to the Home Loan Applicant In connection with your application for a home loan, the lender must disclose to you the score that a consumer reporting agency distributed to users and the lender used in connection with your home loan, and the key factors affecting your credit scores.

What is the credit score disclosure exception?

The credit score exception notice (model forms H-3, H-4, H-5) is a disclosure that is provided in lieu of the risk-based-pricing notice (RBPN, which are H-1, H-2, H-6 H-7). The RBPN is required any time a financial institution provides different rates based on the credit score of the applicant.

What is the FCRA credit score disclosure notice?

A credit score disclosure alerts a consumer about their credit score and other sources of information as required by the Fair Credit Reporting Act (FCRA). The FCRA is a U.S. government legislation that aims to protect consumer information that is collected by consumer reporting agencies or credit bureaus.

What is H3 model disclosure?

Model form H-3 is for use in connection with the credit score disclosure exception for loans secured by residential real property. Model form H-4 is for use in connection with the credit score disclosure exception for loans that are not secured by residential real property.

Do lenders have to disclose credit scores?

In connection with your application for a home loan, the lender must disclose to you the score that a consumer reporting agency distributed to users and the lender used in connection with your home loan, and the key factors affecting your credit scores.

What is exception credit score?

Credit exceptions occur when a bank or credit union expects to have certain credit-related documents but does not. For example, a community bank might require commercial customers to provide updated financial statements on a regular basis.

What is credit report disclosure?

A credit file disclosure provides you with all of the information in your credit file maintained by a consumer reporting company that could be provided by the consumer reporting company in a consumer report about you to a third party, such as a lender.

Which loan requires disclosures concerning the consumers credit score?

The Fair Credit Reporting Act (FCRA) requires lenders to provide a Credit Score Disclosure to the home loan applicant.

H-4. Model form for credit score disclosure exception for loans not secured by residential real property - federalreserve 2025

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