{"abstract":"Section 701 of the Equal Credit Opportunity Act (ECOA) requires a creditor to notify a credit applicant when it has taken adverse action against the applicant. The ECOA adverse action requirements are implemented in the Board's Regulation B. Section 615(a) of the Fair Credit Reporting Act (FCRA) also requires a person to provide a notice when the person takes an adverse action against a consumer based in whole or in part on information in a consumer report. Certain model notices in Regulation B include the content required by both the ECOA and the FCRA adverse action provisions, so that creditors can use the model notices to comply with the adverse action requirements of both statutes. The Board proposes to amend these model notices in Regulation B to include the disclosure of credit scores and information relating to credit scores if a credit score is used in taking adverse action. These proposed amendments reflect the new content requirements in section 615(a) of the FCRA that were added by section 1100F of the Dodd-Frank Wall Street Reform and Consumer Protection Act.","action":"Notice of proposed rulemaking.","agencies":[{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2011/03/15/2011-5417.html","cfr_references":[{"chapter":null,"citation_url":null,"part":202,"title":12}],"citation":"76 FR 13896","comment_url":null,"comments_close_on":"2011-05-16","correction_of":null,"corrections":[],"dates":"Comments must be received on or before April 14, 2011. Comments on the Paperwork Reduction Act analysis set forth in Section III.A. of this Federal Register notice must be received on or before May 16, 2011.","disposition_notes":null,"docket_ids":["Regulation B","Docket No. R-1408"],"dockets":[],"document_number":"2011-5417","effective_on":null,"end_page":13902,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2011/03/15/2011-5417.xml","html_url":"https://www.federalregister.gov/documents/2011/03/15/2011-5417/equal-credit-opportunity","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2011-5417?publication_date=2011-03-15","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2011-03-15/2011-5417/mods.xml","not_received_for_publication":null,"page_length":7,"page_views":{"count":9097,"last_updated":"2026-10-22 20:15:04 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2011-03-15/pdf/2011-5417.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":null,"publication_date":"2011-03-15","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2011/03/15/2011-5417.txt","regulation_id_number_info":{"7100-AD67":null},"regulation_id_numbers":["7100-AD67"],"regulations_dot_gov_info":{"checked_regulationsdotgov_at":"2011-04-02T08:04:59Z"},"regulations_dot_gov_url":null,"significant":null,"signing_date":null,"start_page":13896,"subtype":null,"title":"Equal Credit Opportunity","toc_doc":"Equal Credit Opportunity","toc_subject":null,"topics":["Aged","Banks, banking","Civil rights","Consumer protection","Credit","Marital status discrimination","Penalties","Religious discrimination","Reporting and recordkeeping requirements","Sex discrimination"],"type":"Proposed Rule","volume":76}