ABC Bank has an interactive Internet Web site at which it takes consumer credit applications. At the time an applicant c

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ABC Bank has an interactive Internet Web site at which it takes consumer credit applications. At the time an applicant completes an application on the Web site and submits it, the applicant also is asked for his or her email address. If the application is denied, ABC sends an adverse action notice to the applicant's email address listed on the application. Using this procedure, what is ABC Bank's responsibility?

A. Post the notice on its Web site also
B. Send a paper notice by regular mail also
C. Use a credit scoring system
D. Obtain the applicant's affirmative consent before sending the notice