When is it acceptable for a loan originator to provide a consumer with their credit report?

A loan originator can provide a consumer with their credit report when contracts with the credit reporting agency do not prohibit it. This means that as long as the terms and conditions set by the credit reporting agency allow for the sharing of the credit report with consumers, the loan originator is in compliance with regulations and can share that information.

Typically, there are regulatory protections in place concerning the sharing of credit reports, designed to protect consumers' privacy and ensure that their personal financial data is handled appropriately. If the loan originator has a contractual arrangement that permits sharing the credit report, then it is acceptable to provide this information to the consumer.

While other options propose conditions under which a loan originator may provide a credit report, they don't reflect the broader legal and contractual framework that governs such actions. For example, it's not necessarily required for a consumer to pay for the report or even request it explicitly; the critical factor is the nature of the contractual relationship with the credit reporting agency.