Most creditors obtain consumers’ email addresses when a loan or line of credit originates and, of course, agencies typically want those consumer email addresses from creditors. It makes sense that creditors would pass the email data to their agency partners when accounts are placed.
But wait! It’s not that simple.
When creditors pass along email data, they actually have a tough decision to make: follow the procedure outlined in Regulation F for providing email addresses to agency partners, or simply rely on their agency partners willingness and ability to implement processes that comply with section 6(d)(4)(i) of Regulation F?
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