The Dodd-Frank Act amended the Fair Credit Reporting Act (FCRA) to require companies that use credit scores to include those scores, and related information, in adverse action and risk-based pricing notices provided to consumers. On March 1, 2011, the Federal Reserve Board (FRB) and FTC proposed two rules to implement these provisions. Highlights of the proposals include: (a) no proposed changes to the “Credit Score Exception Notices” under the risk-based pricing rule, allowing lenders to continue to use existing notices following the effective date of the new requirements; (b) new credit score disclosure language for the Regulation B sample adverse action notices, which could in some cases require the disclosure of up to nine reason codes in adverse action notices; and (c) a clarifying statement in the proposals that only one credit score must be disclosed in connection with an adverse action or a riskbased pricing notice.