Williams v. MBNA America Bank, N.A.

Kim Williams (plaintiff) applied to MBNA (defendant) for a credit card and gave her credit information; MBNA denied her application and sent a letter stating she was denied because she had sufficient balances on her revolving credit lines and sufficient credit available based on her income. Williams sued, alleging the reasons were incoherent and thus violated the notice requirement of the Equal Credit Opportunity Act. MBNA moved to dismiss.

Whether the Equal Credit Opportunity Act requires a creditor to notify a consumer of the specific reasons for an adverse action without dictating how the notice must be worded or phrased.