According to Regulation B, which of the following actions constitutes an adverse action?

Regulation B, which implements the Equal Credit Opportunity Act (ECOA), defines an adverse action in the context of credit transactions. The correct choice, which involves refusing to grant credit in the same amount requested, clearly fits within this definition. When a lender denies a request for credit as it was originally proposed, it is a significant action that directly affects the borrower’s ability to obtain the credit they sought. This refusal signifies a negative outcome for the applicant, categorizing it as an adverse action.

Other choices refer to scenarios that may not necessarily qualify as adverse actions under Regulation B. For instance, changing the terms of an ongoing account or granting a loan with different terms may indicate a willingness to continue the lending relationship, albeit under altered conditions. Requesting additional information from a borrower does not in itself represent a denial or modification of credit terms, but rather indicates an ongoing assessment of the borrower's application. Therefore, these actions do not meet the standard for adverse actions as they do not directly restrict access to credit as defined in the regulation.