---
title: Banking Regulations Compliance | Regulation B Adverse Action Require
description: Banker’s Compliance Consulting offers different types of BSA Training & Banking Regulations Consulting | Regulation B Adverse Action Requirements
---

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# [Banking Regulations Compliance | Regulation B Adverse Action Require](https://blog.bankerscompliance.com/en/dont-let-trid-trip-regulation-b-adverse-action-requirements)

 Written by [David Dickinson](https://blog.bankerscompliance.com/en/author/david-dickinson) | Jun 15, 2016 4:26:11 PM

Under the Equal Credit Opportunity Act (Regulation B,) a completed application occurs when you have enough information to make a decision. The information doesn’t necessarily have to be “verified” information. Obtaining verifications is part of the underwriting process. If you tell someone “no”, you owe them an adverse action notice – whether you had a completed application or not. If you tell an applicant you need verification items, such as an appraisal, for their application to be complete, you are in violation of both Regulation B and TRID.

Published  
 2016/06/15  
 Deb Irving

[View full post](https://blog.bankerscompliance.com/en/dont-let-trid-trip-regulation-b-adverse-action-requirements)

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