initial_adverse_action_letter.html.haml

:markdown 
  # #{underwriter_initials} Adverse Action Letter

  #### #{notice_date}
  #### #{first_name} #{last_name}
  #### #{applicant_address_1} 
  #### #{applicant_address_2} 
  #### #{applicant_city}, #{applicant_state} #{applicant_zip}

  Dear Applicant:

  Thank you for applying with #{underwriter} for a line of credit or an increase
  to your existing line of credit. After carefully reviewing your application, we
  regret we cannot approve a line of credit for you at this time. If you would like a
  statement of the specific reason(s) why your application was denied, a request
  must be made in writing to the address shown below within 60 days of the date
  of this letter. We will provide you with a statement of reasons within 30 days
  after receiving your request.

  If you have any questions regarding this letter, you should contact us at:
  
  #### #{underwriter}
  #### c/o: Processing Services
  #### P.O. Box 190061
  #### Birmingham, AL 35219

  Sincerely,  
  #{underwriter} / Processing Services

  **NOTICE:**  
  The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against
  credit applicants on the basis of race, color, religion, national origin, sex, marital status, age
  (provided the applicant has the capacity to enter into a binding contract); because all or part
  of the applicant's income derives from any public assistance program; or because the
  applicant has in good faith exercised any right under the Consumer Credit Protection Act.
  The federal agency that administers compliance with this law concerning this creditor is the
  Federal Trade Commission, Equal Credit Opportunity, Washington DC 20580.