A creditor received an incomplete loan application and has chosen not to reject the application just yet. Does the creditor have any option at this point other than sending the applicant a written notification that the application is incomplete?

No$.$ However, the creditor will have to take adverse action within $15$ days.

No$.$ The creditor will have to go ahead and send the written notification.

Yes. The creditor can ask the applicant orally to complete the application.

Yes. The creditor can go ahead and fill out whatever information is missing.