Fair Credit Reporting: 8.6.1.3 Time and Manner of Notice
The nature of the section 1681m(b) adverse action notice is twofold. The user must give an initial notice of the adverse action along with notice of the consumer’s other rights. This notice of rights must include disclosure of the consumer’s right to request the reasons for the adverse action. This notice is not required, however, where the creditor obtained the information from a CRA, its own files, or directly from the consumer.326