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 consumer adverse action and risk-based pricing notices. On July 15, the FRB and the Federal Trade Commission (“FTC”) issued two final rules to implement these provisions: (1) an FRB rule amending its sample adverse action notices under Regulation B to provide for the additional disclosure of credit scores; and (2) an FRB and FTC rule amending their risk-based pricing rule to provide for the additional content required by the amended FCRA. Highlights of the rules 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; and (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.