BANKING-FUNDAMENTALS5 MIN READ
Explain a credit decline without drifting into fair-lending risk
Use factual, consistent language when discussing a credit decline and the adverse-action process.
Andre A Small-business applicant Acknowledge R Reasons P Process Credit decline 20 sec The moment Andre says the decline feels unfair and asks whether location or background played a role. A warm but improvised answer can create a second problem on top of the decline. 1 fair-lending concern notice adverse-action process The formula
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