These are the definitions of _____________: The refusal to grant credit in substantially the amount or on substantially the terms requested in an application (and the applicant uses or expressly accepts the credit offered) A termination of the account or an unfavorable change in the terms of an account, unless the change affects substantially all of the lender's accounts of that type. A refusal to increase the amount of credit available to an applicant who has made an application for an increase

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These are all examples of adverse actions as defined in 12 CFR 202.2(c). These actions are considered adverse because they negatively impact the borrower's access to credit.

These Are the Definitions of _____________: the Refusal to Grant