Purpose
Determine whether a consumer should receive a notification after account delivery.
Communication Decision Logic
If a Communication Profile exists:
Use:
- Email Preferences
- SMS Preferences
- Communication Settings
- Consent Settings
If no Communication Profile exists:
Use imported account contact information:
- Email Address
- Mobile Phone Number
Before sending, the platform validates:
- Email opt-out status
- SMS opt-out status
Notification Eligibility
Eligible consumers may receive:
- New Account Notification
- Portal Access Notification
Opted-out communication methods are suppressed.
Key Rule
Communication eligibility is enforced at the consumer PII level.
Consumer communication preferences and opt-out settings always override creditor-provided contact information.
Final Key Concept
Account delivery always occurs after successful processing.
Consumer notifications are sent only when communication preferences, consent settings, and opt-out rules allow delivery.Last modified on June 1, 2026
