Which of the following is TRUE? A. You must notify an applicant of a credit decision within 30 days of receiving a cornplete application. B. You can consider an application incomplete, if you have not yet requested the credit report. C. An adverse action notice must always be given verbally. D. An adverse action notice is never required for a loan modification that is denied. 6. Which would NOT caune a compllance violation? A. Alender sends an applicant a written adverse acton notice 10 days after receiving a completed loan application. B. A financial institution employee tells a female applicant to retum next weok to fill out a loan application, but allows a male applicant to fill out an application on the spot. C. A financial institution employee asks Hispanic loan applcants about their residency status, but does not ask other applicants the same question. D. A lender requires a spouse to cosign a loan, even though the applicant qualifies for individual credit