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So Here’s the Deal – Exception to the Rule

Once you obtain a bureau, you then need to provide the exception notice to the customer per the FTC guidelines.  If the creditor (your dealership) chooses to provide an exception notice in lieu of a risk-based pricing notice, the exception notice must be provided to the consumer as soon as reasonably practicable after requesting the consumer's credit score but not later than consummation for closed-end credit.