FEDERAL LAW · PRIMARY SOURCE
Adverse Action Notice — Credit Denial Rights
Fair Credit Reporting Act · 15 U.S.C. § 1681m
When you are denied credit, insurance, or employment because of your credit report, the lender must send you an adverse action notice identifying the bureau used and your right to a free copy of the report within 60 days.
Primary Statute
Fair Credit Reporting Act
15 U.S.C. § 1681m
Section 615 requires any person who takes adverse action based on a consumer report to notify the consumer, identify the consumer reporting agency used, and advise the consumer of their right to a free copy of the report within 60 days and their right to dispute its accuracy.
https://www.ftc.gov/legal-library/browse/statutes/fair-credit-reporting-act