If a consumer's application for credit is denied, the creditor must provide written notice to the ...

If a consumer's application for credit is denied, the creditor must provide written notice to the consumer containing what information?
 a. the name and address of the federal agency regulating compliance by the creditor b. the basic provisions of the Equal Credit Opportunity Act
  c. either the specific reasons for the action taken or disclose the applicant's right to receive a statement of reasons
  d. the name and address of the federal agency regulating compliance by the creditor and the basic provisions of the Equal Credit Opportunity Act
  e. the name and address of the federal agency regulating compliance by the creditor and the basic provisions of the Equal Credit Opportunity Act and either the specific reasons for the action taken or disclose the applicant's right to receive a statement of reasons